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

I am exercising my rights under the Fair Credit Reporting Act and seeking a validation of debt of an account that is currently been reported on my credit report. The XXXX  XXXX XXXX account that is been reported on my credit report is what I am speaking of. The account number for that account is XXXX. I am seeking documentary evidence that this account belongs to me. I am also seeking documentary evidence showing the payment history on this account and the amount paid each time on this account. 
If you are unable to provide me with this information then under the Fair Credit Reporting Act then this account should be deleted from my credit profile immediately.
Product: Debt collection

I filed jointly with my husband for the first time this year, and we were told we would get a refund of {$1400.00}. We received a notice stating that our entire refund was being offset to defaulted student loans. My loan servicer XXXX  notified me that while I was behind on payments that I had not yet defaulted on my loan or entered " pre-default '' yet. I contacted the debt collection agency ( Action Financial Services ) who were very helpful to a point, asking lots of information bout my household income, and lots of info about our expenses. When I asked when i had defaulted on my loans they informed me that they had taken over the loans in XXXX of XXXX, but they were not able to provide me with info as to who my loan servicer was prior to this.The provided me with number to contact to inquire about this information. I reached out to the loan locator number they gave me and found out that my loans were being serviced by XXXX prior to them being sent to collection in XXXX. 

In XXXX I contacted a company that was helping people with filing for a debt forgiveness program through the government. The company needed my PIN and asked for {$900.00} up front to use as good faith payment to XXXX ( may have been under XXXX XXXX still at the time ) and they also used up my last deferment I had available to me as part of the process. I would never had agreed to this process if I had not had two other people I know go through this process and have their loans drastically decrease. 

On the XXXX website they have multiple stafford loans listed as consolidated or not owed. And I had assumed that this was because the loans had been paid and processed by the government program I had signed up for. But now I am not sure. I do not remember receiving anything from XXXX that my federal loans were being handed by another loan provider, and if i did i would likely have assumed that due to the program I had worked with that this info did not pertain to me. 

The current loan holder and debt collector have stated that they will help me get out of collection if I make payments that are between {$480.00} and {$440.00} ( both amounts which i have informed them that I can not afford pay ), for a consecutive 9 months, and then my debt would be moved to yet another loan servicer. I was informed that because both my income and my spouse 's income were being used to calculate what I was expected to pay, regardless of what I as an individual were able to pay, that was low as the payment could be made. The only other option offered to me was that I could open another loan through an outside company ( that i would have to find ) and pay off the defaulted debt all at once, and that they would waive the late fees associated with account. If i did not do this, then I would be paying on the total amount due of over {$42000.00}.
Product: Mortgage

In XX/XX/XXXX, my husband reapplied to refinance a home equity loan for {$80000.00} - he was rejected and as he and Wells Fargo argued over the rejection he refused to pay the current loan. In XX/XX/XXXX Wells Fargo foreclosed on our {$400000.00} home for {$80000.00}. After much trouble, it was reversed in XX/XX/XXXX. In the meantime, Wells Fargo seized our banking accounts ( in excess of {$100000.00} ) and our safety deposit box. After continued back and forth, we finally received a letter XX/XX/XXXX stating they would release our funds and deposit box. As of today XX/XX/XXXX, we have not received our funds. 

I am a XXXX XXXX who works with XXXX XXXX XXXX with XXXX XXXX should I contract the XXXX and can no longer work I will not have funds to cover our expenses while awaiting XXXX. I am desperate to get access to our funds. We have been in contact with a XXXX XXXX XXXX but so far no funds have been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account fraudulently obtained by another individual to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized credit inquiries on my credit report due to a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681c-2 ( a ), I am entitled to have fraudulent inquiries removed from my credit report. 
Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have done business with Ace XXXX for over 10 yrs and never had such unfair practices and delaysXXXX Ace recently suspended my account my XXXX  loan back in XXXX. This action was very bizarre because back in XXXX, Ace had me re verify my identity for the same loan and open a business account. Nevertheless 5 months later my account was suspended again. I request my account to be closed. At the time there were 2 pending transactions that I had to wait to clear. Once resolved I contacted them to close my account they stated it will be closed and a fee of {$15.00} will be charged to issue my check. I accessed my account the next day and still not closed. I contact them and was told I need to verify before closing. I stated this was a delayed attempt to keep my funds since my deposit was from XXXX XXXX my employer since I am a XXXX  XXXX and the XXXX  I received was in XXXX. If the verification was not sufficient why was I able to use my account the last 5 months. Why I am getting the run around in order to close my account?
Product: Credit card or prepaid card

Upon a recent statement check, I noticed an Interest Charge on Balance Transfer. Such said balance transfer was never initiated by me. The Balance Transfer is a fraudulent transaction on my behalf. I never signed a check or authorized a balance transfer. I asked First Bankcard representative to provide a record and proof that such a transaction was initiated by me. The representative quipped that they no longer have a record of the transaction, they " only have a note on the date and amount '' They refused to provide a record copy of the transaction.
Product: Checking or savings account

Recently it came to my attention that my back had been charging NSF fees, despite federal regulations. 
I contacted Chase Bank on XX/XX/XXXX requesting the NSF fees on my accounts be reversed. 
They only reversed the most recent fees, and refused to reverse them all, stating " You have exhausted all of the courtesy refunds available on my accounts. '' I made them aware that it is illegal, particularly in CA, to charge junk fees. 
Their response was the same, " You have exhausted all of the courtesy refunds for your accounts. ''
Product: Money transfer, virtual currency, or money service

Can you reach out to @ XXXX and work together to make sure they get my transaction data quickly plz plz @ usbank
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with Affirm for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.
Product: Credit card or prepaid card

On XX/XX/XXXX $ XXXX XX/XX/XXXX {$41.00} was took from my cash app account after I lost my phone my card was in my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Checking or savings account

Around XX/XX/year>, after I made a transfer to my stock brokerage account, they locked my Marcus by Goldman Sachs account. I successfully verified my identity twice over the phone and confirmed the transfer was made by me, yet they dont unlock my account. Moreover, the first agent I contacted told me that the person responsible for this matter would contact me. Thus, I waited for it, yet he/she didnt. Now, the third agent claim that she can not verify my identity and my information is wrong and I must call them back once I get the correct information, yet Im absolutely sure that I told her the correct information, for two previous agents could verify my information with the exact same information I gave to her. Furthermore, I always have my letter from the IRS to correctly tell them my ITIN when contacting them. 
Because of this, I can not make payments. Moreover, Im losing the opportunity to buy stocks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint after complaint about this bk EQUIFAX REMOVES IT AND REINSERTS AT THEIR LEISURE ... adding inquiries i have no knowledge off as well .... this bk is not mine and equifax reinserted it with no confirmation this belongs to me i have attached a copy of the screen FROM THEIR WEBSITE WHICH STATES NO PUBLIC RECORDS YET I GET AN ALERT SAYING A PUBLIC RECORD WAS ADDED
Product: Credit card or prepaid card

AFTER REVIEWING MY STATEMENTS I FOUND A CHARGE ON MY CHASE FREEDOM CARD THAT I DID NOT APPROVE SO I CALLED MY CHASE CARD AND SPOKE TO A GUY NAMED XXXX WHO TOOK MY CLAIM FOR XXXX XXXX XXXX XXXX FOR {$2000.00} HE LET ME KNOW THTA I WOULD GET A CREDIT WITHIN 72 HOURS I GOT IT ON MONDAY OF LAST WEEK THEN THIS MORNING I NOTICED THAT IT WAS TAKEN AWAY AGAIN! I DID NOT APPROVE THIS CHARGE AND SHOULD NOT HAVE TO PAY FOR IT!!
Product: Money transfer, virtual currency, or money service

I am filling complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumers 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 unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2020, my daughter, XXXX XXXX was notified that USAA bank has decided to cease all banking business with her. They asked that she please go ahead and make the necessary steps to move all direct deposits. This also included stops of any debits that normally come out of the account monthly. As my daughter has stated on several occasions, this is fine and we can move to another bank ; however the day that USAA decided to close the account and place the account on credit hold, was the day after my government funds from the VA could be moved. I get {$1600.00} from the VA each month. While I am fine with paying USAA what my daughter owes to settle this and be done and settled. I have explained this to USAA reps several times over the last few weeks.Apparently the fraud department has decided to place the account on credit hold and hold all funds. This is rediculous especially when the provisional credits that are in question are far less than the money deposited in the account. 
Also, my daughter sent information that the bank needed on XX/XX/XXXX regarding the disputes which lead up to the USAA decision. She even filed a complaint on XX/XX/2020 with CFPB about this matter and the results were USAA is currently working on it. USAA is not working on anything, they have made their decision which is totally unprofessional of a bank. When you call the XXXX number for USAA they state to tell your representative that you are having a hard time and they will do what they can to assist. Well as of XX/XX/2020 I have tested positive for COVID. I need my monthly funds for not only my bills and meds but the meds that are being prescribed to me by my doctor. PLEASE HELP. and having XXXX at USAA call my daughter to say i feel sorry for your mom but not you, tell your mom to wait until XX/XX/XXXX is literally a DEATH SENTENCE. ALSO, PLEASE NOTE THAT A LETTER WAS NOT SENT OUT TO MY DAUGHTER UNTIL AFTER HER INITIAL COMPLAINT WITH CFPB WAS FILED. USAA HAD NO INTENTIONS ON SENDING INFORMATION BY MAIL. AND THERE IS ONLY 2 LETTERS NOTIFIYING OF 2 PROVISIONAL CREDITS BEING WITHDRAWN NOTHING FROM THE PREVIOUS DISPUTES ONLY WITHDRAWLS. 

NOBODY SHOULD BE WITHOUT THEIR GOVERNMENT FUNDS DURING COVID AND THE HOLIDAYS. MY DAUGHTER LITERALLY BEGGED XXXX TO RELEASE MY FUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance Owed : {$85.00} XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, KY XXXX XXXXXXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$6300.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Debt collection

New Century Financial filed a judgment against me on XX/XX/XXXX at the XXXX. # XXXX. This judgement is now displayed on my credit reports ; XXXX, XXXX and is still causing damage to my credit. I was not served properly of this notice of judgement in XX/XX/XXXX. Second, I contacted XXXX on on XX/XX/2016 to set up a payment arrangement because XXXX Credit Bureau told me they are the owner of my account. After doing some research and finding this firm was Sued by CPFB for XXXX for making false false or empty allegations about consumer debts, Filed lawsuits based on unreliable or false information, Harassed consumers with unsubstantiated court filings which I am now a victim of. Since I filed a complaint with the CPFB ( Consumer Protection Federal Bureau, I just received a letter from them stating the they " previously advised, me that XXXX is the new owner of the judgement after being reported to CPFB. XXXX has now sold my account to another third party. XXXX is now telling me if I do n't keep my arrangement I will be responsible for addition filing and court fees. XXXX also states that they do not report judgements or law suits to credit bureau agencies which is not true.. 
I want this judgement removed from my credit report because I was improperly serviced, the number to the court where the judgement is filed does n't exist because I tried calling it to verify this information. Every thing about New Century and XXXX action does n't feels right. 

Therefore I am going to follow up with legal counsel about this matter concerning my legal right sue. Beside I am on XXXX with a fix income how would I be able to afford these outrages fees that these firm are forcing on me.
Product: Checking or savings account

This is not a duplicate complaint. Chase Bank is unfairly denying fraudulent activity that I have proven with at least 4 or 5 other agencies that verify that the contracts were voided and there were multiple fraudulent charges. XXXX does not know the tort laws. XXXX aided and abetted an enforced disappearance of an internationally protected person. The Tires plus transactions are fraudulent and they violated the terms of the agreement. It is not a matter for small claims. Theyre extorting an internationally protected person. They dont understand that theyre imposing sanctions against the United States government for not being compliant. Theres over 30 pages proving fraud. 4 or 5 independent agencies including the FTC. The UCC and the FTC state that I dont need to take it to small claims. Small claims is an abuse of the legal process because they are responsible for trafficking related offenses, debt bondage, and peonage. Theres also a limit on the amount that you can take to small claims.
Product: Student loan

Navient reported my fed loans 6 months late and they had been paid in advance and now they harass me with 6 phone calls a day if im late because im on income based repayment and they told me im not allowed to apply for baorrower defense cause i went to devry and they told me i would be helped finding a job and navient told me to ask for federal loans like deferment to stop payments for a few months i need to pay a fee of XXXX dollars also they have an auto dialer on saturday that constantly calls but when you call it back they say call back on monday why do you harass people on saturdays and they call from different states all the time
Product: Credit reporting or other personal consumer reports

Good afternoon this company is constantly harassing me. I did file an ID theft report and theyre still harassing me. The company Rentdebt It threaten to put an account on my credit report after I sent an ID theft report to all three credit bureaus, but this company is still harassing me and threatening to re-put it on my credit report
Product: Debt collection

This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to LJ ROSS ASSOCIATES, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Comenity Capital Bank, with XXXX XXXX XXXX states insufficient funds on payment. This was paid over phone with debit card and I have no record of any insufficient funds on account.
Product: Debt collection

I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them