23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX / XXXX RE : XXXX XXXX XXXX XXXX XXXX Our File No. : XXXX CFPB Case No. : XXXX Ive also received credit report and noticed a violation. Account number : XXXX I sent your company a debt validation letter. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of XXXX and it carries a fine of {$1000.00} per violation. 

Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring suit for your violation. 

XXXX received a copy of a debt validation letter in XX/XX/2023 via certified mail. Your company and XXXX have violated the law. 

Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit within five days of signing this letter.

( 2 ). You also agree not to sell or try to collect this debt in the future.

( 3 ) .You also agree to not report any portion of this debt to the credit bureaus or any third party.

( 4 ). You agree to pay me {$500.00} for violating the FDCPA. If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on this matter.

( 5 ) You agree to return the funds that were garnished and unauthorized to the bank account.

If this goes unresolved I will be hiring an attorney to sue for damages against these violations to the fullest extent. 
XXXX XXXX XXXX, XXXX
Product: Credit card

This charge has been in dispute since XX/XX/year>. XXXX financial has closed the dispute without providing the documentation to me to attempt figure out how and what this charge is. I have requested any/all documentation provided by the entity that charged my card MULTIPLE times. In order for me to understand what the charge is and how it occurred, I need to see all of the response documentation that was provided by the entity that charged my card. I did not authorize the charge ( {$4800.00} ). XXXX is nonresponsive to me the consumer and has been very fast to side with the merchant charging my card without authorization ( this dispute has been resubmitted MULTIPLE times due to their error and lack of communication ). Thier flow seems to be to disregarded the responses I sent via fax ( I have a fax receipt ) as not received then close the dispute. They now have put my account into collections for this unresolved dispute amount of {$4800.00}. This company is EXTREMELY unorganized. This company is damaging my credit for a charge that was NOT authorzied.
Product: Credit card

I spoke with 3 reps XX/XX/XXXX from Capital One. XXXX assisted with changing Account Number due to a fraudulent charge. Then XXXX was conferenced to assist with Credit Limit Request and to confirm if there would be an inquiry on my credit by requesting Limit Increase. XXXX referred me to XXXX XXXX to manually answer questions and advised of 29 % APR interest rate declined request to lower rate to 0 % APR only stated the interest rate is based on the Prime Rate. I escalated to speak with Manager, XXXX, who advised Capital One does not have any options to lower the interest rate and assisted with my {$3000.00} credit limit request only to advise I could only receive an additional {$100.00} increase to {$700.00} Credit Limit Totaling {$800.00}! Also advised XXXX  day late payment was related to {$1.00} charge which I was unaware of that was added to another small {$8.00} charge which was paid in full with no other late payments to date before XX/XX/XXXX and after XX/XX/XXXX. XXXX advised Capital One reviews account every 6  months and use to provide random Credit Limit increases years ago, but did not state when they last occurred. It is unfair to add a XXXX  day late for a {$1.00} fee I was unaware of and then another {$8.00} fee. I am a XXXX who prides myself on paying my bills on time. I
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was granted a return shipping cost as I returned items to merchant in order to receive a refund. I provided the receipt showing amount cost to ship and tracking number. I'm told I cant get refund because tracking is invalid. Now I'm denied refund as they not only keeping the items but keeping {$48.00} as well.
Product: Credit reporting or other personal consumer reports

Every month I have been pulling my credit report and all the information was wrong, I sent in my ID and Proof of address. They haven't corrected or updated it yet. I also seen that there is wrong information on my credit report that shouldn't be there when it comes to my account. I circled all the incorrect information and asked them to prove it, and I know they cant because it is actually incorrect. Now Im at the point where I am waisting money doing this and now Im seeking reparations, and to correct the late payments on XXXX and remove the other accounts XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX was virus on my computer and number pop up to call .I called the number and end up bein hackers .So they log in to my computer, then to my bank account and they mad me transfer {$89000.00} to their account # XXXX and routine # XXXX.This was happen around XXXX XXXX .At XXXX I called chase wire transfer department and they gave me case # XXXX # XXXX .So I believe it is chase mistake waiting until XX/XX/XXXX then they send hold harmless letter to XXXX XXXX .I tried to call chase wire transfer almost every week but they do not gave any specific answer.
Product: Debt collection

My husband and I had a debt from a credit card and the debt was bought by XXXX XXXX XXXX, now known as XXXX. XX/XX/XXXX I paid in full the remainder of the debt. 

XX/XX/XXXX when I refinanced, my attorney informed me that XXXX XXXX still had a lien on my house. This was the first time I learned of this issue. The attorney handling the refinancing was able to contact XXXX XXXX and received a lettered response dated XXXX XXXX, XXXX that stated in part, " This loan has a XXXX balance with XXXX demand. '' Since XX/XX/XXXX I have had my family attorney try to resolve this matter. XXXX XXXX demanded a {$400.00} payment to remove the lien, which I refuse to pay. This should be free. 

XXXX XXXX has since failed to respond to my attorney 's phone calls and phone calls placed by my son.
Product: Checking or savings account

On or about XX/XX/XXXX, I received a promotional offer from Citi ( Citibank ) at XXXX XXXX XXXX, XXXX, OH XXXX. It was addressed to me, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX NJ XXXX. The Promotion ID Number was XXXX. Among other options, it promised me a {$400.00} cash bonus if I created a new checking account with them and deposited {$15000.00}, and kept the money in the account in the account for a minimum of 60 days. I deposited {$15000.00} on XX/XX/XXXX, and the money remains in my account to this day, which is currently XX/XX/XXXX which is over 210 days. I spoke to someone at Citi when I opened the account in XXXX and they assured me I had done everything correctly to receive the {$400.00} cash bonus. The checking account number for the new account is XXXX. As of today they have not posted the {$400.00} to my account. I have called them numerous times and written to them once to no avail. They seem to insist I was not someone who was targeted or selected for that promotion. I have their promotional mailer from XXXX to prove otherwise. When I try to send them a copy, they ignore it, and reply that I was not on the target list, ignoring the evidence. They have also promised me they would get back to me with an address to which I can send the evidence ( promotion mailer ) but they never have gotten back. I tried to reach them again by phone today, but they kept me on hold for 20-30 minutes, then hung up on me.
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 {$1500.00} A+ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$93.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$420.00} XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX OF XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$310.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$70.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$850.00} XXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XX/XX/XXXX - {$960.00} XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$630.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} UNAUTHORIZED INQUIRIES : XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, it has been over 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these accounts.
Product: Debt collection

I have asked repeatedly for proof of payment history and XXXX XXXX XXXX XXXX is refusing to provide documentation. Documentation is being required by another lender. Without proof, XXXX XXXX XXXX XXXX is pushing my family into financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The living breathing woman does not have a wet ink contract with EXPERIAN, XXXX, or XXXX to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the Real Estate and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every one of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last one of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the kool aid wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account and your negligence has violated my rights. I am demanding a deletion of the following account. ( XXXX XXXX ) Account number ( XXXX )
Product: Debt collection

XX/XX/2019 To : CFPB To Attorney General Re : Online Collections A copy of this letter has been sent to the attorney general. 


CFPB this collection company needs to be fined. They continue to put this account in my credit report. I have had this removed many times. I request that this company be fined {$1000.00} They are illegally continuing to put this in my credit report. I do not owe them nor their creditor any funds. This company needs to be shut down. They are preying on people who they believe will not view their credit report nor fight it. This company in the past have had their representatives type up fraudulent documents to concur a bogus balance. Also please file a complaint against this company for using my personal information I never gave them. 

I requested you investigate this company and the tactics they are using to prey on people to send them money. This is a dispute that has been going on since XXXX. And this company still continues to bring it up. I will not and am not ever paying them a dime. I have stated this to them and the credit bureau which are now investigating due to their negligence of allowing this back in my credit report. 

Re : Dispute Company Online Collections I never received a loan from this company, nor do I owe them any money or their creditor. No one has received an account in my name nor had an account with them. They nor XXXX have produced to me any legal invoice or records of such debt again for XXXX this company is preying or poor people to buck and pay them. 

Request : Please remove from my credit report Re : Credit Report Item Number : XXXX I do not have a balance with, Online Collection Nor do I have a balance with XXXX please remove from my credit report. 

What is their validation of this account again in which has been put in my report 22 times over 10-year period and taken out every time how are these people able to do this again? I do not have a balance with neither company. Account Info Tap labels for more details Account numberXXXX Collection opened date reported in my report XX/XX/2019 this is  a lie and false Account type Collection Department / Agency /  Attorney {$180.00} Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the deletion of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If they failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Product: Credit card or prepaid card

I received a letter ( XX/XX/19 ) from WFFinancial Svcs. informing me that they are issuing me a CC with a {$5000.00} + cap. I loath WF  and would never apply to them for a CC. 
I tried calling Only one phone # for WFFinancial Svs. In XXXX XXXX, SD and call is never picked up ; continuous elevator music. There is no contact info in the letter for which to contact them. I did track down the issuing offices in XXXX XXXX. 
I do NOT want credit cards listed as mine. It reflects poorly on my credit, not withstanding that someone may have applied in my name/ stole my identity.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, ink. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On Monday, XX/XX/2023 XXXX XXXX, I received a mortgage statement and the payment amount was doubled. I sent the below email to Selene Finance : " I am in receipt of my mortgage statement for XX/XX/2023. 

Today, I called Customer Service to inquire about my doubled monthly mortgage payment for a fixed loan ; in the amount of {$2600.00}. 

The Customer Service rep explained to me, it is a " Corporate Advance Fee. '' This email is to notify Selene Finance that I do not agree to paying the " Corporate Advance Fee ''. 

Therefore, I plan on sending {$1700.00} for my XXXX payment. 

Thank you for your for your understanding. 

I have also cc 'd my bankruptcy attorney in this email correspondence to file. 

Happy Holidays to all! '' My next response letter I received from Selene Finance was on XX/XX/2023. The contents of the letter was erroneous stating The letter further states it " acknowledges receipt of my request for loss mitigation ''. 

" The letter further requests Pay Stubs for XXXX and Mortgage assistant for XXXX. '' " The letter further states to submit missing documents by XX/XX/2023. '' Or Selene Finance may proceed with the pending foreclosure without further notice from you. '' First of all, I do not know who XXXX or XXXX is. 

I am not late in my mortgage payments nor have I requested a loss mitigation on my account.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023 and XX/XX/2023, XXXX XXXX XXXX conducted an inquiry on my credit report without proper authorization, thereby violating my rights under the FCRA. This unauthorized inquiry has adversely affected my credit score and my ability to obtain credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that XXXX XXXX XXXX complies with the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern. I am a consumer defined under 15 USC 1681a ( c ). I notice I have a charge off ( XXXX XXXX  ) on my consumer credit report. According to IRS a charge off is defined as a certificate of indebtness which means it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it is illegal to report tranaction history. If not remove, I will filed legal actions. Thank you. 
In Good Faith With Prejudice By : XXXX : XXXX