23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was given notice on XX/XX/scrub>XXXX XXXX XXXX  that they were suing me for {$1500.00} saying I owe them a debt. I had never heard of them or been contacted by them prior. After repeatedly calling as soon as I received notice, and them ignoring my calls, I contacted them through the XXXX telling them that u do not know who they are and I never took out a loan for this debt and gave written request for verification documentation that I owe this debt, including a copy of whatever identification verification documents they are supposed to collect when a loan application is submitted. This can include a copy of my drivers licence, passport, ssn card, or birth certificate. XXXX almost a week calling, I got a hold of them, but they could not find my file with any of my information until I provided my social. Suddenly thy claimed they found my file. I spoke to their lawyer who went through all the information on the loan application. The only information correct was my first name, social, and address. Everything else including my last name, phone number, email, income, time zone, bank account, etc. was incorrect. Because I didnt want to go to court and have to pay a lawyer and a babysitter, I tried to settle even though it was not mine for more than double what they say they paid to take over this loan. Instead they want close to {$1200.00}, when they themselves sent me the receipt that says they paid {$240.00} for this debt. It is now well past the 30 days they had to send me the requested info. All theyve sent is an electronically signed contract which again, had the wrong last name on it, and is not something I ever signed. Now they are refusing to answer or make any attempt to fix this. Their XXXX profile is filed with complaints of people saying this same things been done to them.
Product: Debt collection

Hi dear sir madam, My XXXX is not accepted last time and I referred my admission from XXXX XXXXXXXX to fall XXXX but that time I don't get the XXXX appointment of that dates.I got XXXX  appointment of XXXX XX/XX/XXXX so now I have started my admission application for fall XXXX according to my XXXX appointment date.But the university is charging the fee of housing as I don't even visit the USA I have also sent mail to my university and the housing department as well but they don't even respond to that mail and now they want me to pay that money with fine through your platform as I received a mail from your department as well so that I am writing this complain.My request is just I don't even visit USA so why I have to paid that amount of money. 
Thank you,
Product: Credit reporting or other personal consumer reports

I request the removal of these accounts as it is fraudulent and was opened without my consent.
Product: Debt collection

XXXX says they gave me internet service on XX/XX/year>. They did hock it up but I did not ask for the service. XXXX  billed me {$250.00}. I called them and they said they would take it off. Last month they reported it to The Stark Collection Agency. I left them a message as I am just going to pay it so my credit isnt ruined. I dont think this is right.
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 their 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 card

The XXXX XXXX charge my bill to the wrong XXXX bank account
Product: Debt collection

1006.34 Notice for validation. This debt was put on my credit report without notice i am requesting that the debt be validated and would like to request a itemized bill with all dates and amounts due
Product: Debt collection

Sent Certified Letter and no response from Portfolio Recovery. I have disputed this thru all three credit bureaus and they report the information is accurate. I have demanded that they send me documentation bearing my signature with a contract with Portfolio Recovery on two accounts they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ONEMAIN # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Registered Mail Receipt : XXXX For Arbitration Account name : XXXX XXXXXXXX Account number : XXXX When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

9. As a result of the above, Experian fails to conduct a reasonable reinvestigation and convey all relevant information to furnishers, which causes or increases the risk that inaccurate information remains in consumers files. 53. Such documents are sufficient to put Experian on notice that the furnisher may have transmitted unreliable information. Yet, Experian regularly gives the supporting documents no weight in resolving the dispute and routinely conducts no further reinvestigation of the dispute beyond the furnishers XXXX response. 

On XX/XX/year> Experian Has Reinserted XXXX XXXX Account That Is A Result Of Identity Theft. 
Removal Of XXXX XXXXXXXX Account Immediately - Capital One Has Already Settled Off The Debt & Removed The Account.
Product: Checking or savings account

On XXXX XXXX, XXXX around XXXX I made a cash deposit using the ATM located outside the branch Fifth Third Bank. Once I inserted the cash making a total of {$2500.00} the machine went black with an error message ( OUT OF SERVICE ) it took my debit card and money and no receipt was printed. I contacted customer service and explained what just had happened. The Financial Center Manager was contacted XXXX XXXX she is whom assisted me and returned my card that was still in the machine. I was told that a complaint was needed and that it was going to take XXXX business days for investigation and funds to credited to my account. I waited patiently just to find out that the case was closed. I asked for a revision of cameras that are located at the ATM. My funds are still not reflecting. It is a large amount I deposited and I have been a loyal customer with them for the past 3 years.
Product: Credit reporting

To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX XXXX, in XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XXXX XXXX, 1954, not in XXXX XXXX, 1954, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for XXXX years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX or in XXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

This debt collection company is trying to collect a debt I have no knowledge of, They have not given me any prof I owe this debt.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my personal information and applied for credit card and housing loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. Im trying to solve the problem with my incorrect credit score for 4  months now but nothing was helpful. Here is the situation : I opened my credit card at Wells Fargo in XXXX and after 6 months of opening it I started to see my XXXX  score ( which was reported from XXXX ) on my Wells Fargo profile. When I opened the card I didnt have SSN, however, as soon as I obtained my ssn in XX/XX/XXXX I updated my personal information and added it to my Wells Fargo profile. After obtaining my ssn I also opened XXXX, XXXX, and XXXX accounts to see my credit score. However, neither of those agencies have my wells Fargo credit card on my profile. They only have one credit card from XXXX which was opened less than 6 months. XXXX doesnt even show my credit score and says that I dont have one however I see my score on my Wells Fargo profile . Whenever I want to apply for a loan or something related to the credit score I get denied either because they say I dont have one or my information wasnt recognized. I kept going and calling Wells Fargo to help me to solve this issue but they say they are already reporting everything needed to credit report agencies and when I tried to contact these agencies they say I should solve this issue with Wells Fargo and theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Finding an error indicating a late payment on my account is XXXX, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Credit card

False Advertisement and Deceitful Business practice Please see below Citi Double Cash advertised, to XXXX members specifically : : Intro Bonus Earn {$200.00} cash back after you spend {$1500.00} on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as XXXX Thank You Points, which can be redeemed for {$200.00} cash back. 
https : //usa.experian.com/mfe/member/credit-cards/offers I spent {$370.00} in the first month of the card been issued and {$1400.00} in the second month of the card being issued for a total of {$1800.00}. I have reached out to Citi bank for a statement of credit of {$200.00}. And they have been giving me a run around. First, they requested a Print screen with the offer information. Which was promptly emailed to them. They said to give them three to five business days and they were given the five business days with no action. They requested another three days which were given to them to process again without the promised result. When I called back again, they said to provide them with my address which they already have. Next time they said it would be resolved within three hours. Today, they claim that my account is not eligible. After they duped me {$1800.00} under the false and fraudulent pretense that if spend {$1.00} in the first six months I get a {$200.00} statement credit. This is a fraudulent and deceptive business practice ; all they want is for consumers to spend {$1.00} so they can rip off the consumer with an interest rate. If I had known this was a fraudulent scheme, I would not have applied for Citi Double Cash. It is a rip-off and copycat from XXXX XXXX anXXXX XXXX XXXX XXXXXXXX XXXX The only difference is that XXXX XXXX XXXXXXXX and XXXX XXXX honored and paid the advertised {$200.00} introduction Statement after spending the stipulated amount of money. As for Cit bank they are con artist and dupers. At minimum you can have them pull their false advertisement of {$200.00} statement credit after the consumer has already spent {$1.00}, XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX I contacted Law Firm XXXX XXXX XXXX  as I owed a debt from a judgment in my county court in an attempt to settle said debt as I was selling my house keeping in mind I had already settled other debts with other law firms for lesser amounts however this firm contacted thier client Personal Finance now Mariner Finance with the offer I gave they wanted all my personal info date of sale, where I work, how much I'm getting out of sale, who the buyers were, etc kinda hippa violations really, then Personal Finance now Mariner Finance since they knew my house was being sold came back and said no they want all that's owed and did so during a nation pandemic COVID-19 when my family is hurting and I'm on unemployment such a shame how Personal Finance now Mariner Finance treats people do not use them!!! Go to better loan companies!!!
Product: Checking or savings account

Capital One 360 money market account and checking account sporadically closed on X/XX/17 with no notice except for a call a week earlier about verifying account activity ( linked external accounts ). Contacted customer service three times, refuse to tell me anything. I had no notice, no options on where my money went - though it was transferred to an external ( not preferred ) account. No calls, no communication, nothing. Extraordinarily unprofessional, yet I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unexpected Permanent Limitation Imposed on PayPal Account I am writing to file a complaint regarding a recent unexpected issue with my PayPal account, which I have used dutifully and in adherence to all stated guidelines for a significant period of time. This issue surfaced on XX/XX/2023, when my account was abruptly flagged and consequently limited without an explicit justification. 

My usage of PayPal has predominantly been for online shopping purposes and for enabling monetary transactions between acquaintances. Throughout my experience with PayPal, I have maintained an utmost commitment to ensuring that all transactions conducted through my account are entirely legitimate, and to the best of my knowledge, do not violate the Acceptable Use Policy as laid out by PayPal. 

Despite my consistent compliance with all requirements and guidelines, I was taken aback to receive a notification informing me of a revocation of my account privileges. The notification, unfortunately, did not provide any specific information or details about the reason behind such a significant action taken against my account. Consequently, the grounds on which my account has been limited are still unclear to me, leading to substantial inconvenience and concern. 

Given my historical usage and adherence to PayPal 's policies, I am led to believe that this could potentially be a result of an unintentional error. I trust that this issue will be addressed promptly and my account will be reinstated at the earliest convenience, considering the severe implications it holds for my routine financial transactions. 

Thank you for your attention to this matter. I eagerly anticipate a resolution that reinstates my access to PayPal 's services.
Product: Mortgage

I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud
Product: Credit reporting or other personal consumer reports

Dealing with this, Bank has been a major problem. They continue to ignore me and disregard my attempts to give them information regarding my status as a victim of XXXX XXXX. They have been very cold-blooded in their nature when I called contact them, but in addition, they are flat out, ignoring anything that has to do with me not paying them. However, I have explained to them on multiple occasions that discharges werent even made by me although I did apply for the account I was Doing so in distress and ultimately had the account hijacked away from me by my perpetrators.