23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have asked to not be contacted and i still get nonstop phone calls!

US LAW 15USC 1692CC : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Checking or savings account

I started the transfer process to move my XXXX from Optum Financial to XXXX XXXX on XX/XX/2023. All investments were transferred to cash at Optum on XX/XX/XXXX. XXXX overnighted the documents to Optum to request the transfer on that date. I received a {$3.00} HSA Account Maintenance Fee on XX/XX/2023, then a {$20.00} transfer fee on XX/XX/2023. The transfer out which took the money out of the account creating a XXXX balance was on XX/XX/XXXX as well. So it took a month from request to closure. However, the story has not ended there. XXXX has still not received the funds as of XX/XX/XXXX. 

I called Optum a couple of times between XXXX and XXXX to find the status. Their customers service was totally lacking as the only thing they could tell me was what I could already see online. 

I called on XX/XX/XXXX after I received a call from XXXX asking if I could follow up with Optum as they still have not seen the funds. When I called Optum, they said it was going to take another 4-6 weeks to cut a check. I said that was unacceptable and asked for this issue to be escalated. They said someone would contact me within 48 hours. 

On XX/XX/XXXX, I received an email from Optum simply saying that we have completed all actions on your request. Case # XXXX. What action? I had asked for a call back to see why it was taking so long. I called them back at that time and was told that the check was actually mailed to XXXX on XX/XX/XXXX. 

As the check never made it to XXXX, I asked them to reissue the check. They said they would, but now it has been over two months, and I have over {$19000.00} that has been sitting in limbo not growing or earning anything. 

It is like they are purposely trying to XXXX the customer so they can earn money on the float.
Product: Checking or savings account

Cash app will not release my XXXX. I have asked them to since XX/XX/2022 fourteen times. They have automatic response each time I call or email that states they will investigate and respond within 24-48hrs.
Product: Debt collection

I 'm filing this complaint because XXXX formerly XXXX ( XXXX XXXX XXXX ) apartments mailed me a final bill on XXXX XXXX, 2015 stating I had 30 days to pay the balance of {$580.00} which is not the correct amount. Then I rec 'd a letter from Hunter Warfield ( a collection agency ) dated XXXX XXXX, 2015 stating that the account is now in collections and on my credit report. There a few issues going on here : 1. ) the 30 days stating in XXXX XXXX XXXX 's ( XXXX XXXX XXXX ) letter had not expired, 2. ) Crossings at XXXX ( XXXX XXXX XXXX ) never gave me a opportunity to dispute the balance and/or pay before sending me to collections ; 3. ) The Collection Company-Hunter Warfield did n't offer me an opportunity to dispute/validate this debt either ; 4. ) Finally, the collection company did n't verify with XXXX ( XXXX XXXX XXXX ) that this was a valid collection debt ... 
I want this filed as complaint against this company considering I have already filed several complaints with corporate office about the ill practices of their XXXX, AL office ( XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my name and tried to open up an account with your company.
Product: Debt collection

I am writing to formally dispute the accuracy of XXXX XXXX reported by XXXX XXXX concerning an alleged debt on a Capital One Bank credit card account. This dispute is filed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I was shocked to discover that my recent credit report contains a XXXX XXXX " collection '' allegedly owed to Capital One Bank, initiated in XX/XX/XXXX. This information is categorically false and incorrect. I do not owe any amount to Capital One Bank as alleged in this report. The information being reported is false, inaccurate, incorrect, and fraudulent. 

It is important to note that the matter about the Capital One Bank account was conclusively resolved through a Joint Dismissal With Prejudice in XXXX. This legal resolution unequivocally confirms that there is no outstanding debt or obligation on my part regarding the said account. 

Attached are copies of the relevant documents that substantiate my claim. These documents include the legal dismissal paperwork, indicating a full and final settlement of any claims associated with the Capital One Bank account. 

I request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the correction of this inaccurate information on my credit report. The presence of this erroneous entry has the potential to unjustly affect my XXXX XXXX and financial reputation. 

I trust that upon review of the attached documents and an investigation into the matter, the necessary corrections will be made to my credit report, removing any mention of this alleged debt. 

Thank you for your attention to this important matter. I look forward to a swift resolution. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

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

I have been disputing an account with XXXX, Equifax, and XXXX  asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. Transunion did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/2017. XXXX and Equifax are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have  attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, Equifax and XXXX has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. Equifax, XXXX, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I been trying to access old cash app for my bit coins and stock I have. It's giving me a no option but this. Been over a month sending the same formation for nothing. 
Name XXXX XXXX Address XXXX XXXX XXXX XXXX ny Ss XXXX Cash app It's the only account who holds bit coin and stock. The oldest one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX  and WESTERN FUNDING INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX and WESTERN FUNDING INC with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

On XX/XX/2023 a Checking account was open using my personal information. I contacted the company about this matter but couldnt get in contact with anyone over the phone so I went into a branch, they informed me the someone used my personal information to open an account online.
Product: Student loan

I filed a chapter XXXX bankruptcy repayment action and listed my federally guaranteed XXXX XXXX student loan ( opening balance of {$39000.00} in XX/XX/1993 ) as a debt. XXXX XXXX placed my loan in default and filed an inflated claim of {$59000.00} before assigning the claim to the federal guarantor ( US Student Aid Funds ). The plan was successfully completed, and I received my order of discharge at the end of the case. 

Over the course of the bankruptcy, I paid pursuant to the court-approved plan, and the trustee remitted to US Student Aid Funds on my behalf, more than {$37000.00}, almost payment in full of the original amount borrowed. The lender 's own records ( which were provided to me ) show that the money was received but was not credited to my principal balance.. Despite my efforts to have their records corrected to give me credit for the {$37000.00} in payments I made during the bankruptcy and in the years since, XXXX XXXX ( now XXXX ) /US Student Aid Funds insists that my unpaid principal balance is {$60000.00}. 

In XX/XX/XXXX of this year, XXXX XXXX declared my loan in default and referred it to a collections agency ( XXXX XXXX XXXX ), which has threatened to garnish my wages in the near future, causing me severe financial hardship, unless I pay the full amount they claim I now owe -- which is a whopping {$82000.00}, more than double the original loan amount. The only way they can claim that my balance is so high is by continuing to refuse to credit me with the {$37000.00} I paid through the bankruptcy and the thousands more I paid since that time. This is beyond negligence on XXXX XXXX 's part ; it appears to be an effort to defraud me into paying considerably more than it's entitled to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dealership that advised they would n't pull credit and send to finance companies which was they did without my authorization. XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -
Product: Payday loan, title loan, or personal loan

I had a the front end of my XXXX XXXX repaired at XXXX XXXX in XXXX Mo. I had to finance those repairs. That repair shop went through XXXXXXXX XXXX XXXX XXXX. who charges 134 % annual percentage rate. Very little of the principal has been paid to date! I did try to have the company reduce said rate. As I am a XXXX vet. This annual percentage rate is predatory and makes paying this off impossible!
Product: Debt collection

A written request to validate debt in the amount of {$4000.00} was mailed and/or faxed to Medicredit on behalf of the original creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX. Medicredit was unresponsive to the request and no documentation in its original form has been provided to validate debt owed. 

This debt was last reported to XXXX XX/XX/XXXX. A follow-up request to validate debt in effort to remove from credit report was mailed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company remains unresponsive.
Product: Bank account or service

I created a CitiGold bank account with Citi bank, I was told by several representatives that I would be receiving XXXX XXXX miles after signing up, using their bill pay system, and spending {$1000.00} on my debit card - I completed those goals and was told again that I would be receiving the miles. 

Now after still not receiving them I am told that I was not qualified for the bonus in the first place. I have saved the records of the conversations with representatives telling me that I was enrolled in the bonus program.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Bank account or service

I purchased XXXX ( XXXX ) tickets online via the XXXX ( XXXX ) for the XXXX XXXX performance at the XXXX XXXX , Sunday, XXXX XXXX ( XXXX show ). The tickets selected via the online site were XXXX ( floor ) seats ( {$140.00} each ). The secondary marketer ( XXXX XXXX XXXX XXXX ) fraudulently switched the seats to the XXXX section ( {$89.00} per ticket ) a lesser quality/priced seat. My wife and my experience was ruined. We spent half the performance discussing this matter with the XXXX XXXX XXXX XXXX trying to resolve it.
Product: Credit reporting or other personal consumer reports

an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Debt collection

A company called Credence keeps calling my inlaws home claiming I owe a debt. They will not state what the debt is about or what amouny is owed. This happens several times a day, and my inlaws have repeatedly asked them to stop calling them. I know this is fraudulent, because they never ask for me by my legal name which is what I always put on all of credit appications and forms. They always ask for me by my nickname that family and friends address me as. I have also never recieved contact this company via mail. The number they always call from is XXXX XXXX XXXX XXXX.
Product: Debt collection

Although my number is private and I have only had this number a few years and know who I have given my number to including for business, relatives and friends, a company called First National Collection Bureau XXXX, out of XXXX, Nevada recently tried to contact me using a spoofing technique which should be illegal if it is not, using different area codes and seemingly fake phone numbers that showed on my caller ID in order to try to get me to answer the phone by I guess hoping they would trick me into thinking it was someone I know from my home area calling me because they were using area codes and prefixes from the area in which I live and when I tried to call the numbers back they were not. working numbers. They also sent a number of unwanted text messages regarding a debt that was not correct and that I dd not owe. 

After eventually answering to see what they wanted, they also seemed to ignore what I told them on the phone about disagreeing with this debt and not owing it and that it was past any statue of limitations to collect, they seemed to pretend like I did not give them an answer or response on the phone, because they later sent a letter to my mother 's home who is XXXX years of age harassing her in which they asked the same questions in the letter and asked me to reply by phone or mail or they would consider it a legitimate debt, although I had already told them over the phone that is was not legitimate and told them that I did not owe this debt they were asking for. I also told them that it had also been over 7 years and therefore past the statue of limitations to collect which they should have already knew, so I did not understand why they were contacting me anyway, other then to try to rob or take advantage of me, so they were doing nothing harassing me and by sending this letter to my moms home harassing her as well because she opened and read it to me over the phone which upset her. 

As of today, I seemingly have also started to receive calls from this company again using fake phone numbers and different area codes as I had stated above. 

I also found out that the letter they mailed, they had changed the date on the letter from what they told me on the phone to XXXX of 2016 instead of what they originally told me on the phone of it being XXXX of 2016, but either way it is past the statue of limitations. 

I had also informed them that this issue with a credit card company that originally contacted me about this debt over seven or eight years ago had already been settled, so again I did not understand why they would have this information or be contacting me about it unless they are trying to trick or scam me to send them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit for the whole month of XXXX every week have been increasing my debt by {$1.00} then next week decrease it by $ {$1.00}. This is absolutely ridiculous and illegal. My score I has just decrease 39 points because of this tatic they are doing. I dont own that account and they has no right accessing my ctedit file to do this tactic. I will include proof of whats happening and I want them held accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.