23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year>XXXX  I was sent a collection letter from National Enterprise Systems that stated they were authorized to settle an account in full on or before XX/XX/year>. The letter then stated they are not obligated to renew the offer. They also sent a letter XX/XX/year>XXXX  with the same wording of authorization to settle an account in full or for something less. Both amounts were {$16000.00} and {$5900.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide a written notice ( often called a " validation notice '' ) that includes your right to dispute the debt. If they fail to do so, they are in violation of 809 ( a ) of the FDCPA ( 15 U.S.C. 1692g ). 

Key FDCPA Violation : Failure to Provide Validation Notice The FDCPA 809 ( a ) mandates that within 5 days of initial communication, the collector must send a notice stating : 1. The amount of the debt.
2. The name of the creditor.

3. A statement that you have 30 days to dispute the debt ( or it will be assumed valid ).

4. A statement that if you dispute the debt in writing within 30 days, the collector must provide verification.

5. A statement that upon your request, the collector will provide the original creditors name and address ( if different ).
Product: Credit reporting or other personal consumer reports

I have applied twice for a car loan and Capital One has given me two different reasons for both denials.
Product: Credit card

Description of the Issue : On XX/XX/XXXX, my wife and I contacted Citibanks XXXX Department to request financial assistance due to temporary financial difficulties. We submitted the request in good faith, following Citibanks stated policies regarding financial hardship assistance. However, despite our compliance with their process, Citibank failed to properly process our application. As a result, our account was subjected to an unjustified " force pay '' transaction on XX/XX/XXXX, which led to the unauthorized deduction of {$1300.00} from our account. 

Due to Citibanks failure to honor its hardship assistance policy and mishandling of our request, we incurred additional financial burdens, including {$2700.00} in medical bills, essential monthly expenses, and other costs directly related to this issue. This brings our total financial loss to {$4100.00}. 

Attempts to Resolve the Issue : On XX/XX/XXXX, we sent a formal demand letter to Citibank requesting the reimbursement of the unauthorized withdrawal and the damages caused by their failure to process our hardship request correctly. Despite our efforts to resolve this matter amicably, Citibank has failed to respond. 

We made multiple follow-up calls to Citibank, speaking with several representatives and managers, none of whom took full responsibility for the mishandling of our hardship request. We also requested access to the recorded call from XX/XX/XXXX, to provide clear proof of our claim. However, Citibank refused to provide the recording, avoided direct answers, and failed to acknowledge the financial and emotional stress their actions have caused our family. 

We are aware that Citibank records all customer service calls, and we are confident that the recorded conversation from XX/XX/XXXX, will provide clear evidence of our hardship request and Citibanks subsequent failure to act appropriately. 

We request the following actions from Citibank : - Immediate reimbursement of {$1300.00} for the unauthorized withdrawal. 

- Compensation of {$2700.00} for additional expenses incurred due to Citibanks mishandling of our hardship request. 

- A formal response from Citibank addressing this issue and ensuring corrective action is taken to prevent similar occurrences in the future. 

Given that Citibank has continued to delay any response, our financial stress has only increased. If this issue remains unresolved, we are prepared to increase our claim amount accordingly. Additionally, we are still fully prepared to escalate this matter legally and hire an attorney if Citibank does not take immediate corrective action. 

We appreciate your prompt attention to this matter and look forward to a resolution. Please let us know if any additional information is required.
Product: Debt collection

I have disputed XXXX XXXX Ref # XXXXwith the credit bureaus and requested debt validation for this account. To date, I have not received proper debt validation documents and this company is depriving me of my rights. Furthermore, why would XXXX  and XXXX  delete this account if this account is verifiable and correct? I sent a letter requesting debt validation XX/XX/ 2017 and never heard from them. Attached to this complaint is a copy of the letter I sent this company.
Product: Credit reporting

I have contacted Equifax on multiple occasions asking them to remove duplicate information that 's reported on my credit report. They are reporting negative information from XXXX XXXX and XXXX XXXX, XXXX. The information they are reporting is the same account. Thus, my credit score is lower since XXXX of the same items are being reported on my credit report. I tried to resolve it with Equifax and they continue to report duplicate information.
Product: Student loan

I applied for the SAVE plan at the end of XXXX prior to the federal court issuing an injunction preventing many applications to be processed. Since it has been 60 days since my application was received and it has still not been processed, I received a letter that stated that my account could be placed in a general forbearance and " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' I then received another letter from my servicer stating that my account is still accruing interest which left me confused. I called my XXXX  many times ( a week ago, XX/XX/XXXX and XX/XX/XXXX ) to have my account placed into the general forbearance that does not accrue interest and have received incorrect information that the interest on my account is going to be retroactively removed. The Department of Education website states as well that I should be allowed to be placed in the interest-free forbearance after 60 days of my application not being processed. It has been very frustrating to receive incorrect information every time I call and no one is able to help me. I have XXXX  that are in a similar situation and were able to get their accounts placed in the general forbearance so I know it is possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX put me into collections by mistake 1 year after debt was paid in full. I was reassured that it would be removed from credit bureaus over 15 months ago. Ca n't refinance home due to their poor accounting.
Product: Debt collection

I requested that all communication be ceased due to harassment and the embarrassment that has taken place my XXXX year old answered my phone and was talked to in a disrespectful manner thinking it was me. Even with the several attempts to stop communication this lady will not let up her name is XXXX XXXX. Also, requesting XXXX dollar settlement for harassment
Product: Money transfer, virtual currency, or money service

Moneygram withdrew funds from my account to an unknown person. I am concerned how this person or person ( s ) were able to access my information. I closed the account and contacted my bank. I did receive a credit finally from Moneygram, however I have to prove to my bank that this was a dispute and a scam because Moneygram would not credit the second send.

I reported this to the FBI Cyber Crime unit and I want to know how my account was compromised.

Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment. 


MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX XXXX MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May  be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX USD
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX account # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Debt collection

Cash Express , LLC called 3 times in the last 30 minutes. Once from their XXXX location, once from their XXXX location, and once from another location that I think is their XXXX office.
Product: Debt collection

Wages being garnished for a bounced check over 25 years old. Kansas statute of limitations on promissory note debt is 6 years. I wasn't notified of any hearing or given a chance to attend. Being garnished over {$1600.00} for what was probably a {$20.00} check. 25 % of my wages
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Assistance Regarding Negative Verbiage on Credit Report Dear CFPB, I am writing to seek your assistance regarding an issue I have encountered with my TransUnion credit report. Recently, I noticed negative verbiage remarks associated with XXXX XXXX XXXX that has adversely affected my creditworthiness. As a result, I have been denied services that I rightfully qualify for. 

I believe this negative information is unjust and does not reflect my true creditworthiness. According to 15 U.S. Code 1681, it is imperative that credit reporting agencies uphold accuracy and fairness in their reporting practices. Inaccurate credit reports can directly impair the efficiency of the banking system and undermine public confidence. 

Given these circumstances, I kindly request your intervention in this matter. If TransUnion is unable to rectify the negative remarks on my credit report, I am formally requesting that XXXX XXXX XXXX be removed from my report, in accordance with the aforementioned law that emphasizes the importance of fair and accurate credit reporting. In the remarks section should also state paid and closed, also my attorney is aware of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely
Product: Money transfer, virtual currency, or money service

Im filing 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 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I sent a notice for refund due to treatment of credit balance. XXXX XXXX to Avant , LLC At XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX by certified mail which was delivered on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an XXXX report which I included here with report number XXXX AND XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/ my consumer credit application was declined/denied by GM Financial . The credit application was for a vehicle. They also referred to the application as a loan and NOT a consumer credit transaction and would NOT let me speak to a supervisor at all. The company is in violation of 15 USC 1602 by NOT recognizing me as the consumer/creditor. GM Financial is also in violation of 15 USC 1611 for giving me inaccurate information regarding the nature of the transaction.
Product: Credit card

I made a payment to Citi XX/XX/XXXX and received a call that they never received my payment. I have the cleared check from my bank and the check was sent XX/XX/XXXX and cleared my account on XX/XX/XXXX. Citi has never asked for a copy of the cleared check and I have made many attempts through phone calls and email to resolve this matter. They have told me they would credit my account with the amount of XXXX while they investigated and they did not. when I email they say they will get back to me within 24hour with a response and all I hear is nothing. I finally received this email last week but still have not seen a credit on my account. They said they found the check but was unable to credit it to my account due to " some lack of clarity about the whereabouts of the check ''. I do n't know why that is my problems and why they ca n't credit my account. I thought they were processing the check but I 'm very confused and no one will respond to and let me know what it going one. They also said they would credit my account in 3-5business day and still have not seen a credit and its been 5 business days. They also stated in an email that they did not receive my check until XX/XX/XXXX which is not true. The check cleared my account on XX/XX/XXXX. I thought that it was illegal to hold payment. So they have my money but will not credit my account and I had to make another payment this month so I would not get a late payment. I should of had a credit on this account. I do n't know why they can hold my money hostage. I just want my money. They know I sent it. This is insane!!!!!
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX XXXX  FIN VIA DEALER XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX SERVICES XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card

On XXXX XXXX at XXXX, 5 fraudulent charges were charged to my credit card. Immediately, Capital One sent me an email asking " do you recognize this purchase? ". I replied " No, Somethings wrong '' as I did not make this purchase and I have never heard of the vendor before ( XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX, Capital One opened the case to investigate fraud ( case # XXXX ) .The next day, XX/XX/XXXX, I received a letter in the mail stating there was insufficient evidence to prove it was fraudulent, therefore, the charges were put back on my credit card. We called Capital One 's fraud department and they said they would not re-open the case again unless a police report was filed. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sheriffs office opened a case ( # XXXX ) but was unable to create a police report without the following information : merchant ID, address, square ID number, location, city, time of each transaction, square device number. On XX/XX/XXXX, once again called Capital One requesting this information, only to receive a fraction of it. Capital One has no merchant address as well as no phone number. I have done my research and am unable to even find a company with said name ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, XXXX, and Equifax. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 
XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get my credit report from TransUnion and they won't allow it. The last time I got my credit report was XX/XX/2023. I send in the required documents including, 2 forms of identity, etc. Still can not get access TransUnion claimed they can not find my information yet they are reporting inaccurate information on my credit report causing it to fall drastically and ruining my chances of applying for credit. How can you not find a consumer credit file yet you are reporting inaccurate information, what are the creditors pulling if I have any credit information? I am tired of complaining the CFPB won't do anything and TransUnion will just continue their fraudulent activities and destroy consumer lives. I need full access to my entire credit report.
Product: Credit reporting or other personal consumer reports

Hi, I purchased a product for {$12.00} on a Banana Republic ( Barclays ) credit card XXXX of XX/XX/XXXX. 
I did not get a bill in the mail like previously, nor did I EVER agree to email billing, My credit rating was always in the excellent range over 800. 
I received a letter from Barclay 's XX/XX/XXXX stating they're lowing my credit on this card due to a big credit rating drop. I checked my credit score and it did drop to fair just right above poor. 
Barclay 's reported me to the credit bureaus XXXX and XX/XX/XXXX for failing to pay, but they failed to send me a bill. The amount was {$88.00} at this point. They waved the charges. However, this is still on my credit and I always pay on time. My credit isn't close to where if was. 
Barclays has horrible business practices! 
I contacted the three credit bureaus and the XXXX and this company has done nothing. All I want is for them to take off that I was late on those two months. 
Thank you so much for reading and for your time!