23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was on XXXX and clicked on story about XXXX my computer began alarming, text said I was infected with XXXX and call XXXX. I did and XXXX XXXX answered, said my phone was compromised, made me install XXXX XXXX he looked in it and said my credit card had been used to purchase XXXX XXXXXXXX and could be arrested. He connected me to Chase, which the beginning robo thing played, every time, I called, you have reached Chase, press XXXX for..etc. XXXX said I was in big trouble, the credit card charge couldn't be reversed as it was paid out, he said I needed to create a duplicate charge. He made me take {$10000.00} out of my banks in cash and go to a gas station in XXXX and deposit it in bitcoin, that would reverse the charge. XXXX XXXX while he was in my computer moved {$90000.00} from XXXX XXXX XXXX to my Chase bank. They kept telling me local Chase people were in on the scam and I had to move my money to protect it. XXXX XXXX made me make a cashiers check for {$80000.00} and send it to the XXXX address overnight. No one at Chase pushed me as to why I was doing that. That night my daughter came home from vacation and said it was a scam. I placed a stop payment XX/XX/XXXX by phone, the day it was sent, and XXXX and I went to the bank the XXXX to further pursue it. Even though I heard Chase recordings on every all and I stopped payment the same day, Chase won't help me. I can find no access to XXXX XXXX to get that money back, no payouts in XXXX Please help me, I'm XXXX, have no pension, only Social Security and thet took all my savings
Product: Credit reporting or other personal consumer reports

My scores on Equifax was not showing on my credit report
Product: Student loan

I have a fixed rate loan at Navient which I have been paying on for almost 9 years. Going thru my payment history I noticed that each month the interest is different and not by small amounts. {$8.00} one month and the next {$23.00}. Other months {$4.00}, {$6.00} even {$16.00} more than the previous months. There should not be that much difference month to month. Something tells me shady bookkeeping is going on. Have paid {$2100.00} on interest in all these years. Sent a email to Navient on XX/XX/2018 about this issue and also said I would be reporting this to CFPB. 
Thank You for your Help
Product: Debt collection

i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XXXX, XXXX, 2020 again, by BWW LAW GROUP , LLC. alleged plaintiff 's counsel for XXXX XXXX XXXX XXXX, I ; never had any contract with XXXX XXXX XXXX XXXX, i do not know the CEO, none of their information such as, address, telephone number, name, email, web site. in order to settle any debt that is true, due, and owing. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.
Product: Credit reporting or other personal consumer reports

I am a vitim of a data bread and these account listed are not mine and were not authorized XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly 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 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax XXXX XXXX and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2020 Status Collection account. {$570.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine
Product: Debt collection

A levy in the total amount of {$4500.00} which includes {$120.00} bank fee on my checking and savings acct with XXXX XXXX XXXXXXXX was placed XX/XX/XXXX ( I was not notified prior to or at time of withdrawal by my bank, any other individual or company of this levy ) I discovered my missing funds on XX/XX/XXXX while accessing my accounts for other purposes. After multiple phone calls to my bank and XXXX California courts I was given a court case number and a contact number for Harris and Zide Attorney/Debt collectors who were said to be responsible for the levy. Upon contacting Harris and Zide office I spoke with XXXX XXXX who identified herself as the legal assistant. Upon my inquiry into my missing funds I was told by XXXX XXXX that it was for an XXXX XXXX  account I held in XX/XX/XXXX, that they sent me three letters, one on XX/XX/XXXX to a prior address, another XX/XX/XXXX and XX/XX/XXXX to my current address that I have resided since XX/XX/XXXX, and that I had a judgement from XXXX Courts that was public records that I could refer to. XXXX XXXX then stated that this was also linked to XXXXXXXX XXXX who had bought XXXX XXXX and to another attorney by the name of XXXX. I immediately challenged the information provided as I do not recall ever having an account with XXXXXXXX XXXX and furthermore I have not received any correspondence from Harris and Zide, I could not obtain court information as she stated with the court case number she gave me and stated was public record nor could she provide me with proof of service. 
I believe this to be a scam and I'm not sure what recourse I have without spending monies to hire an attorney to retrieve money from this company. I am sending them a certified letter for demand of return of my money however I believe this office should be aware of this incident and if it is appropriate to please intervene /assist on my behalf to have my money and bank fees returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my credit profile. I contacted the companies and they stated I needed to contact the credit bureaus because they have no record for me. I contacted the credit bureaus over several times last month and also on the XXXX of XXXX ago requesting verification of the unauthorized inquiries and I was told that they can not verify the inquiries and they will not remove them. I requested to speak with a manager and was put on hold for over 40 mins and then they hung up the phone. 

They have not validated the inquiries and refuse to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX  that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my Experian and XXXX   reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.
Product: Credit reporting or other personal consumer reports

On ( XXXX/2024 ) I sent an Identity theft letter to ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX  ). I have not received a response nor has ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XXXX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( GRAIN TECHNOLOGY IN, XXXX XXXX  XXXX, XXXX XXXX  ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Money transfer, virtual currency, or money service

I am 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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and definite financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. This account is hurting my ability to obtain credit. Its my understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances, Date Opened, Account rating, Last Payment Date, Payment Status and Account Status across different credit bureaus highlights non-compliance with XXXX XXXX XXXX XXXX ( a ) XXXX report : XXXX XXXX XXXX  - Account Number XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Credit Limit : {$XXXX}, Account rating : Closed, Last Payment : XX/XX/XXXX Experian report : XXXX XXXX XXXX - Account Number XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : XXXX, Last Payment : XX/XX/XXXX, Credit Limit : {$XXXX}, Account rating : Paid, XXXX report : XXXX XXXX XXXX  XXXX Account Number XXXX, High Balance : {$XXXX}, Date Opened XX/XX/XXXX, Balance Owed : {$XXXX}, Closed Date : XX/XX/XXXX, Payment Status : ( Paid/Closed ), Past Due Amount : {$XXXX}, Credit Limit : {$XXXX}, Account rating : XXXX XXXX Last Payment : XX/XX/XXXX This account was Paid and Closed on XX/XX/XXXX since then the account has been repeatedly been updated in the payment history as Current when indeed that status is ( Paid/Closed ) The reported balance remains inaccurate post-sale of the account which is misleading and violates 15 USC 1681e ( b ) please investigate this matter and ensure maximum accuracy in my report if it can not be verified I Demand this account be deleted from my credit report. In addition I would like to have a New copy of my credit report mailed to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.
Product: Credit reporting or other personal consumer reports

I am requesting for TransUnion to block or delete the two accounts from XXXX XXXX. I've submitted the Federal Trade Commission Identity Theft Report and Police Report. The submission of all pertinent documents describing and detailing the occurrence of fraud should expeditiously clear all fraudulent accounts. Thank you.
Product: Debt collection

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint XXXX To Whom It May Concern : I am writing to dispute the validity of the collection account associated with my name and Social Security Number XXXX While I acknowledge that I have made payment to your agency to close out the account and that the reporting of the paid account was accurate, your company has still engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA ) and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

The core issue in question here is not the accuracy of the reporting itself but rather your company 's legal right to collect the debt in Illinois. As an aggressive advocate for my rights, I must insist that you promptly address the following concerns : 1. Licensing Violation : Your company was not duly licensed by the IDFPR when you attempted to collect on the alleged debt. Your failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies your legal right to collect the debt and voids any associated reporting. 

2. Illegitimate Reporting : Considering the licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. As a result, I demand that your company immediately remove any adverse information related to this account from my credit report. 

3. Legal Consequences : I would like to remind you that your company 's violations of the IL CAA, specifically 225 ILCS 425/2, 425/8, and 425/9, expose you to potential legal liability. Although I have paid the account, this does not absolve your company of its unlawful actions. I reserve the right to pursue legal action, including but not limited to seeking monetary damages and injunctive relief, as a result of your company 's violations. 

4. Documentation : I require written confirmation from your company acknowledging your compliance with the above requests and a comprehensive accounting of any actions taken in response to this dispute. 


Please be advised that if you fail to comply with my requests and continue to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), the IL CAA, and other applicable laws, I will not hesitate to take further legal action. 

I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Co XXXX XXXX XXXX, XXXX XXXX VA XXXX # XXXX, XXXX REF : REF : XXXX have 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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
" ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3500.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Debt collection

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt. 

Please provide the following information : The name and address of the original creditor. 
A detailed statement of the amount owed, including interest, fees, and any other charges. 
Proof that I am responsible for this debt, such as a signed contract or other documentation. 
The date of the last payment made on this account. 
Documentation showing that you are legally authorized to collect on this debt in my state. 
Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Product: Debt collection

Subject : Complaint and Cease-and-Desist Request Against Sentry Credit INC for Unauthorized Use of Personal Information To Whom It May Concern : I am filing a formal complaint against Sentry Credit INC due to their unauthorized access to and/or use of my personal information without my consent. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to ensure Sentry Credit INC immediately ceases all activities related to the alleged debt associated with account number [ Insert Account Number, if applicable ]. 

Nature of the Complaint : 1. Unauthorized Access and Use of Personal Information : At no point did I provide consent for Sentry Credit INC to access or use my personal information. This includes my name, address, phone number, financial details, or any other personally identifiable information.

2. Violation of Privacy Rights : Sentry Credit INC has acted inappropriately by obtaining or using my personal information without authorization. This may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal or state privacy laws.

3. Failure to Demonstrate Legal Authorization : Despite my previous requests for validation, Sentry Credit INC has failed to provide documentation proving their legal right to collect any debt or to access my personal information.