23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing a complaint because my account XXXX on paypal gave me a credit for case numbers : XXXX XXXX However they closed the following cases and I am unable to reopen them and it is the same company and the same facts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Also when I was refunded it said I was issued a provisional credit and that is not correct it was a refund.
Product: Credit reporting or other personal consumer reports

I checked my credit report and notice some hard and crimes that I didn't authorize they ended up being fraud I called the credit bureau Equifax to get them removed immediately nothing was done adding authorized these and it was obviously made fraudulently from creditor from XXXX XXXX XXXX on the date of XX/XX/2024 2024
Product: Credit card

My credit card was canceled without notice on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, XXXX and XXXX, each time on their recommendation. I was frequently rerouted to the wrong department when I requested an escalation, and was given the wrong number for the fraud team. I did receive 1 letter dated XX/XX/XXXX claiming that my account was closed because of repeated attempts to contact me, but I had never received any notice regarding cancellation from American Express prior to that point. I have checked my mail, phone, and email for any missing correspondence. 

I am unable to access my earned points and have forfeited an annual fee without a full year 's service.
Product: Payday loan, title loan, personal loan, or advance loan

Loan was taken out with One Main Financial back in XXXX. It had been refinanced several times up until XXXX. Unbeknownst to me, they were charging thousands of dollars each time for insurance that wasnt disclosed to me and I was not given the option to remove the insurance. This company has taken me to court and placed a judgement against me when went they had a class action lawsuit for this very issue. I would like this lien marked satisfied immediately, all information updated on my credit report, and compensation for the time spent having to work on this matter.
Product: Payday loan

I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.
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 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: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters out to XXXX, XXXX, and Transunion beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful.

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding inaccurate reporting on my credit file, specifically pertaining to accounts listed above. This will be my 2nd attempt to resolve this matter. I have no knowledge of these creditors nor have I authorized any accounts with them. In my previous correspondence I requested verification and with these accounts not being verifiable my consumer laws are now being violated. Not only were these accounts opened due to identity theft, I have no knowledge of these accounts, or any affiliation with these creditors. Its inclusion on my credit report violates ( USC ) 1681, which governs the fair and accurate reporting of consumer information. I have no knowledge of this account or have given any written consent. Furnishing Identity theft accounts further violates the FCRA, specifically 15 USC 1681 C-2. These accounts being reported are severely impacting my ability to obtain new lines of credit. Your company has a legal obligation to ensure the accuracy of the information being reported.I kindly request that your company immediately complete the investigation into the fraudulent accounts and remove them from my credit report as soon as possible. I also request that you remove all addresses that I have no affiliation with. The only address that should be on my credit profile is listed above.
Product: Debt collection

I am receiving a old medical service Bill ( Please see the attached copy ) that I disputed with hospital in many methods. I believe I have a right to protect my medical information and don't want hospital share my SS # DOB or any other information to the third party company like XXXX XXXX XXXX to attempt the disputed bills. 

As a Massachusetts resident I obtained health insurance policy and accept my health provider and primary care to negotiates with the insurance company before any medical service due and let patients know the results of the negotiation. 
in my case I am billed by XXXX XXXX XXXX {$500.00} for the date of service XX/XX/2017 under my name address and account XXXX. 

I called and give them written notice to resolve the problem but I received a debt collection notice from Gragil Associates, Inc and charged a increased amount of {$570.00} ( the original disputed amount {$500.00} ). This bill is a wrong bill to me and due to the XXXX 's financial administration processing fault and need to be resolved and must assured me that my medical information is not being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX Ally Financial Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX Ally Financial
Product: Credit reporting or other personal consumer reports

XX/XX/year> I complain the company doesn't know the personal information of the applicant 's XXXX name bracket to supply card of application. 
Applicant 's first name bracket is [ XXXX XXXX ] and XXXX XXXX XXXX XXXX stands for the customers XXXX character first name of application. The applicant 's last name bracket is [ XXXX  ] and [ XXXX ] stands for the customer 's last name of application.
Product: Money transfer, virtual currency, or money service

I received a text from someone with a Crypto currency opportunity. It started with XXXX, we kept making money where the balance go up to XXXX. When i tried to withdraw, i was told I had pay a fee to make sure that this was not money laundering. we did. Then, i was told that i needed to pay XXXX in tax before I could withdrawal which i know that is incorrect. Tax is taken out of the proceeds. Once i disputed that, they froze my account and said that they would fine 5 % a day until the tax issue was resolved. Then, proceeded to tell me that if i didnt pay, i would forfeit all my money and it would be donated to the XXXX XXXX XXXX to be used for medical and vaccine reseach... .. which they also can not do. 

I have filed with the FTC report number XXXX and with the Federal Bureau of Investigation 's My total investment is approximately, XXXX. Right now, i would settle to just get that back and they can keep the profit... if offered that and was told no. 

Can you please help me? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. 

Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. 

Franklin Collection is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. 

There is proof that XXXX and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.
Product: Credit reporting or other personal consumer reports

I closed a XXXX account, and they had equipment charges that were not correct. After XXXX searched and realized their mistake they corrected the account. Months after they reported as a collection debt. I disputed it and it was removed from my credit. Months after it shows up again in my credit. I put again a dispute, and it was not removed. I called XXXX, the collection agency, my credit monitor XXXX and they did not remove it. I started again a second dispute with Experian, and they did not remove it. So, I submitted a third dispute and they have not responded. Emails say that its pending investigation. The only thing I want is that Experian removes this information from my record once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On the last week of XXXX this dept collection agency work for the Credit Card company, contacted my work and as to give a note to me to call them with different number than the one I have spoke to on the phone earlier in the month. I referred them to my dept consolidation company and they said they did not with their way of doing business. So I got home and called this number on note and found out who it was, I was okay to clear this up till my job said who is this and had to spell my personal life to my job, which in turn they said they should have never called here and had us contact you. I was furious and told this dept collection company I was not abide by the settlement, even though I just sent them a payment, i will not send anymore cause of this action at my job. They informed me I had not told them directly about not calling my job, only the Credit Card company new not to call, but this company works for them and I guess they do not communicate with them on what I had sent to cease communication to me and my job. Feel my rights were violated and they still said they did not violate them and got tired of them repeating themselves to me that they are here to settle the dept is all for this credit card company and all they would give me. Thanks XXXX
Product: Debt collection

In XX/XX/2016, I purchased two blouses and two pairs of pants from XXXX for my wedding and associated events for {$120.00}. When I received the packaging, it was heavily soiled and damaged ( see pictures ). Given the quick turnaround to the wedding, I needed to keep one set of blouse and pants and sent the second set back. After returning the items, I was only credited {$8.00} and was never given a satisfactory explanation as to why. After deducting the {$76.00} ( the total value of the returned merchandise ) from the {$110.00} adjusted balance, I sent a check for {$37.00} ( see check # XXXX ) received before the XX/XX/16 due date. Since then, the balance has grown to {$260.00}, and the account has been transferred from XXXX/Comenity Bank to XXXX XXXX XXXX, XXXX. This balance is not correct, as I paid off everything I actually owed with check # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Credit card or prepaid card

For many time I will compliment about this account I NOt my account
Product: Debt collection

I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.
Product: Student loan

Hi I have XXXX student loans that were forgiven by the government during XXXX and XXXX it was forgiven and paid off. also taken off my credit report. now its back on my credit reports. XXXX for {$740.00} and {$1300.00} They was totally cleared
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DPT ED/XXXX, XXXX/NAVIENT, XXXX and US DEPT ED. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DPT ED/XXXXXXXX, XXXX/NAVIENT, XXXX and US DEPT ED with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the presence of fraudulent items on my credit file, despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough and expedited review of my credit file and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. 

In conclusion, I implore you to treat this matter with the utmost urgency and dedication it deserves, recognizing its significant implications for my financial well-being and peace of mind. Together, through collaborative efforts and decisive actions, we can rectify this issue and ensure the integrity and accuracy of my credit file. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX, MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year>.
Product: Mortgage

Re : Address : XXXX XXXX XXXX, XXXX, CA XXXX I just a Notice of Default for Citi Bank, NA from XXXX XXXX XXXX of XXXX XXXX who is acting as their Trustee. Their first Trustee, XXXX this mortage was executed on XX/XX/XXXX and subsequently recorded as Document Number XXXX. However, they volitionally executed a full reconveyance of the mortgage on XX/XX/XXXX and recorded that reconveyance on XX/XX/XXXX as Document Number XXXX. 

The execution and recording of a reconveyance deed, Extinguishes the Deed for all time. XXXX XXXX XXXX and XXXX XXXX v. XXXX XXXX ( XXXX ) XXXX Cal. App. XXXX XXXX, XXXX citing XXXX v. XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX. App. XXXX XXXX, XXXX [ Recordation of the deed of reconveyance extinguishes the lien on the property created by the deed of trust. ] At that time the mortgage became extinct, or best completely unsecured by the extinguished deed of trust. XXXX. XXXX. XXXX XXXX. They then have no secured creditor position on their property. 

The reconveyance was of their own free will and, can not be unilaterally rescinded. Furthermore, the status of all purported encumbrances on the property is the subject of current litigation XXXX XXXX Superior Court Case Number LC XXXX in which Citi Bank was named as a defendant and had its default entered. 

The continued assertion of secured rights to our property is slanderous, and further violates Fair Debt Collection Practices Act ( 1692f ( 6 ) ),  which regulates collection of secured debts under the Ninth Circuits recent ruling in XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf as a urgent matter. Accounts are furnished to my report that i did not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX {$960.00} FCRA Violation : collection not mine XXXX XXXX XXXXXXXX {$840.00} FCRA Violation : hard enquiry not mine XXXXXXXX XXXX
Product: Debt collection

While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.