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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/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: Credit card or prepaid card

I applied for a credit card with Fortiva XX/XX/2022. I recieved an notice of denial stating that income is insufficient/low. 

What law requires consumers to have a certain amount of income to attain credit? How does Congress define income? 

Denying me credit has had a discriminatory effect and has caused me to delay in getting life essentials for my my family. Not having access to the credit needed is taking a toll on my family and my XXXX from the stress of not being able to get the things my family needs when we need it.
Product: Debt collection

I was sued for this debt It was not owed but they called my daughter and threatened her she got scared and made a payment it may the payment on a debt become current again Then the lawyer sued me The courts entered a judgment against me My pay was garnished after all was said and done, they took the last payment and gave me a release Lo and behold they are at it again I did not contact them because I'm afraid. I am elderly and hoping to retire without them garnishment again. The court doesn't care I did not owe this money in 2022 They have hounded me for a debt that is over a decade and I paid Once years ago they called and I made arrangements to pay if off for {$800.00} then again in 2022, when they hired a lawyer and garnished my wages for a debt I did not owe and now they are at it again
Product: Debt collection

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : P & B CAPITAL GROUP LLC Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or ussentenced to a term of imprisonment of 2 years.
Product: Debt collection

lost my job in XXXX, contacted XXXX XXXX Credit card that I was a consumer with for almost 27 years, with an outstanding history, wanted them to close account and give me deferment.There is no such thing as deferment in the world of credit cards, only payment plans. Without an income there is no money for a payment plan. I insisted they close the account so not to accrue any extra charges.I had a credit limit of {$7000.00} and was below it!! at {$3500.00} I made my last payment in XXXX when my savings ran out. I sent a dispute letter on XX/XX/2018 when I noticed they lowered my credit line to {$3000.00} from {$7000.00} putting me over my credit limit and my card was still open. They were now not only charging me over the limit fee 's, they raised my interest and were also charging late fee 's Exactly why I asked them to close the card. except I had no I dear that they could lower my credit line to deliberately put me over it to charge me extra unwarranted fee 's, a 27 year customer!!! I then disputed the account with the credit bureau for XXXX reported inaccurate. ( Which is how I disputed it twice. INACCURATE ENDING BALLANE!!! it should have been closed in XXXX, It should not have been over the credit limit!! all late fee 's and over limit fee 's and higher interest rates are inaccurate!!!! making amount owed wrong!!! ) They have it reported that they closed it.yeah they closed it ... .7 months after I asked them to. in XXXX??? that my credit limit was {$3500.00} yet my balance is {$3900.00} NO my credit limit was {$7000.00} and NO my ending balance is not {$3900.00}. Yesterday I receive a reply from them. regarding my last dispute. And that they reviewed my file and believe they have reported everything accurate to the agencies so it will stay as is. I have never not paid my bills. I am almost 60 years old and having a hard time finding a job. I was in CONSTANT contact, paid for 3 months after losing my job when this company did nothing to work with me! and I mean nothing! asking me for over {$200.00} a month without a dime coming in and then to put me over my own credit limit, being spoken to like i was the lowest of life forms, Being told don't worry we'll just sue you!!! to jack up my bill with false fee 's, I don't believe that's any where close to fair debt collection practices. And on top of all this, they close the account as a profit and loss, so they will now use it as a tax deduction ( why cause after 26 years of never even being late on a payment they made a fortune of interest off me already ) and we all know they need a tax deduction to off set all these millions in fake fee 's not only do I think it's against FDCPA i think it should be criminal!!!
Product: Checking or savings account

Beginning sometime in XXXX someone opened an account in my name in another state with USAA bank and began depositing and cashing forged checks in my name, I began receiving letters at my home from USAA about ME bouncing these checks and eventually them wanting payment for charges on these checks bouncing. I contacted them several times by phone to tell them this was ID fraud and it wasn't me to no avail. I then opened an account with identitytheft gov and followed the steps including sending them two letters notifying them of the fraud and they refused to respond
Product: Debt collection

Re : XXXX XXXX XXXX - Tri-State CollectionsXXXX.XXXX.XXXXRegarding : XXXX XXXX / XXXX XXXX XXXX ID XXXX XXXXXXXX XXXX collection claim is for a battery for a portable XXXX. 
Invoice Number : XXXXDate of service : XXXX.XXXX.XXXXBalance : $ XXXXXXXXLate fee : $ XXXXXXXXCollection bill total : $ XXXXXXXXXXXX XXXXClaim InformationClaim ID : XXXXMember Services XXXXXXXXMolina verifies XXXX sent a duplicate claim XXXX, only XXXX claim for the battery was verified paid by XXXX. 
XXXX approval date : XXXX.XXXX.XXXXXXXX pay date : XXXX @ XXXX payment : $ XXXXXXXXActual billing for the battery by XXXX was : {$92.00} ( I have the original bill ). 
XXXX is being over charged by the amount of {$65.00}. I am being over charged {$65.00}, or they are trying to collect on a bill in full that was paid in full by XXXX XXXX. 

XXXX has previously sent collection notices and robo-dials for collection XX/XX/XXXX-XX/XX/XXXX. 
I called XXXX ( XXXX ) XXXX XXXX and followed up with XXXX XXXX XXXX, who verified payment was made to XXXX ( case # XXXX ), and who called XXXX to give them payment information. 

I called XXXX ( XXXX XXXX ) to inform them of the update and to expect a call from XXXX XXXX XXXX verifying account information and payment, I also informed XXXX at that time ( XXXX or XXXX ) to stop all robo-collection calls. I told the representative at XXXX that it was okay if she wanted to call me personally and discuss the account, but no more robo-calls. I had also had communications with XXXX about this issue. 
I believed this matter to be resolved XXXX XXXX. 

XXXX XXXX XXXX started collections again for the battery, and the collection notices and the numerous robo-calls for collection has started again. I did not call XXXX again because it is obvious they can not make corrections in their billing department, and because we have addressed this issue once before, although I did call XXXX once again ( now a third time ) to verify payment in full to XXXX. 
My concerns are now focused to a collection agency becoming involved on what I would consider fraudulent billing and collections. 
XX/XX/XXXX. I received a collection letter from Tri- State Adjustments of Wisconsin . 

Tri-State Adjustments XXXX XXXX, Wi XXXXXXXXDebra XXXXXXXXRe : XXXX # XXXXBalance due : $ XXXXXXXXThis account has been satisfied by XXXX, albeit being overcharged by the amount of {$65.00} or XXXX attempting to collect on a bill previously paid in full by XXXX. 
A copy of this complaint was sent to Tri-State collections XXXX.XXXX.XXXXSincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Best buy/citibank is reporting an account on my credit bureau that doesn't belong to me. It doesn't have my social because I've tried to look it up using my social and nothing comes up. This account must belong to someone else as I do not have an account. I have never received a bill saying I owed anything for an account and I have never Applied. I want this account removed from my credit bureau as it is showing a charge off and is significantly hurting my credit. I'm attempting to refinance my house and it is negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What theXX/XX/XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX breach, there is information and accounts on my consumer credit report that I don't recognize and I believe it to be fraudulent. I am requesting that the accounts listed on the FTC report be deleted from my report immediately as it is negatively affecting my lend ability. 

XXXX XXXX Account number XXXX XXXX Card closed XX/XX/XXXX XXXXXXXX XXXX closed XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are having the same problems with Equifax , Inc. and their violations of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax , Inc. 1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 2. Equifax , Inc. chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 3. Equifax , Inc. has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. These are just stall tactics. I and my family are being continuously damaged by Equifax , Inc. and their violations of the Fair Credit Reporting Act. They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome
Product: Payday loan, title loan, personal loan, or advance loan

Fraud by MOMNT, I received a letter from MOMNT demanding money for loan payment on account dated XXXX Ive XXXX heard about MOMNT nor XXXX XXXX  before, XXXX had any contacts nor XXXX received any money from them. 
Please investigate MOMNT and XXXX XXXX  fraud activities demanding money on bogus loans for {$6500.00}. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking XXXXXXXX XXXX to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 

BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

The date is XX/XX/2018. After cashing my check of {$3000.00} from a teller in a TD Bank in New York ( XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ), which I do not have an account with, I immediately tried to make a cash deposit in the same bank branch 's ATM, using a debit card from my own bank, XXXX XXXX. The cash deposit is {$2900.00}, because a {$7.00} fee was generated when I cashed the check ; the last four digits of the debit card number is XXXX. I put the XXXX debit card into the machine, no warning ; I put in the cash, still nothing ; and before I knew it, the ATM had counted my money and eaten it along with my card. 

I have made numerous attempts to contact TD Bank, but they refuse to give me any information about or support me with ATM Settlement because I am " not their customer. '' Their only suggestion is that I contact my own bank, XXXX, to file a dispute and get this solved in the back offices. I tried this, but XXXX was also avoiding the responsibility by denying my initial application for investigation, although later they have reopened the case under my request. Till tonight there is no update from either bank. 

I have the right to know where my money goes and reclaim it. TD Bank has no right to keep the money or refuse cooperation.
Product: Debt collection

XXXX XXXX  reported a charged off account to the credit bureaus in the amount of {$300.00}. I do not recognize this debt as my debt. As an XXXX XXXX servicemember in the XXXX XXXX, I have access to military financial counselors to assist in financial matters. Steps I have taken to resolve this issue are as follows : ( 1 ) On XX/XX/2018 I met with a military financial counselor regarding this XXXX XXXX account.

( 2 ) OnXX/XX/2018, together with the financial counselor, I called XXXX XXXX  and asked about this alleged debt. The representative at XXXX XXXX was unable to locate an account under my name and social security number. He suggested that the account might be with either : ( a ) XXXX XXXX at XXXX  or ( b ) XXXX at XXXX.

( 3 ) On XX/XX/2018, together with the financial counselor, I called XXXX XXXX at XXXX and they could not find an account under my name and social security number.

( 4 ) On XX/XX/2018, together with the financial counselor, I called XXXX at XXXX and they could not find an account under my name and social security number. The XXXX  representative spent considerable time trying to locate an account yet was unable to find an account.

( 5 ) I completed a dispute request with XXXX  regarding XXXX XXXX ( document 5 attached ) and mailed it to XXXX.

( 6 ) XXXX  mailed a response to my dispute on XX/XX/2018. It stated that there are no accounts from XXXX and XXXX on my credit report and listed XXXX XXXX  as contact information for this dispute. ( document 6 attached ).

( 7 ) XXXX XXXX response dated XX/XX/2018 also reports that the XXXX XXXX as " account transferred or sold ''. It states that the account was " sold to '' " XXXX ''. ( document 7 attached ).

How can XXXX XXXX  sell an account that it couldn't locate? I have never heard of XXXX before. Three documents are attached verifying the above.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) 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 regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was expecting a {$2000.00} transfer from a XXXX XXXX XXXXXXXX ( XXXX ) account to my Capital One account. However, the funds did not reflect in my account on the same day. After waiting for three days and contacting Capital One, they advised me to wait an additional two days. Despite the wait, the funds did not appear, prompting me to visit a Capital One branch on XX/XX/2024. 

During the branch visit, a representative called their support line and initiated an investigation. I was instructed to contact the support line the next day to obtain the case number. Upon doing so, I was given a " sales force number '' to provide to the sender of the funds. I was told to wait for 10 days for the investigation to be completed. 

On the XXXX, frustrated with the delay, I requested my client to resend the {$2000.00}. This time, they sent {$2000.00} from a XXXX XXXX  account, but even after waiting for three days, the funds did not arrive. On the 25th, I contacted Capital One again, providing the Federal Reference Number for the second transfer, and they initiated another investigation, advising a 10-business day wait. 

When I inquired about the status of the first investigation, I was told by Capital One representatives that there was no record of such a case. Despite being given a " sales force number '' and being informed of an investigation by the branch, the representatives were not able to confirm it. Subsequent calls to the branch proved unhelpful. 

As of now, it has been 8 business days since the second investigation was initiated and more than two business weeks since the supposed opening of the first investigation. Unfortunately, I have not received the funds, and my numerous daily calls for more than a month to Capital One have left my questions unanswered. This has been an extremely frustrating experience with the bank. 

I suspected that it was my client that was in fault but he has sent me multiple documents that showcase that the money was transfered from his side and that it has been deducted from his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XX/XX/XXXX.