23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owed money to a Wells Fargo credit card. When my husband at the time left me and our kids, I had to use the credit card in order to survive. I believe I owed a little over XXXX. When I received a decent amount of money for taxes when filed in XXXX, I opened up a savings account and had XXXX transferred to the new savings account. I transferred it from my Wells Fargo checking account to my new Wells Fargo savings account that I had just opened. Due to me owing money on my Wells Fargo credit card, they took the {$XXXX} towards it. Without my knowledge. They just took my money. That was money for my kids and I to survive on. The Federal Reserve XXXX prohibits banks from seizing funds to cover credit card debt. Only loans and mortgages fall under a bank 's right to offset. So I called the bank and asked them for my money back or is there anything I could do to where I can at least have some of it back. They said there was nothing. So I transferred the XXXX dollars I had left from my savings account into my checking account and closed my savings account. What they did was illegal.
Product: Credit card or prepaid card

I have two credit cards with Capital One since XXXX and Have been charged {$63.00} on XX/XX/XXXX, for interest charges on a XXXX XXXX card ending in XXXX which has a balance of {$3000.00} and also i have been charged {$23.00} on XX/XX/XXXX for interest charges on XXXX XXXX ending in XXXX which has a balance of {$1500.00}. I called the customer service line XXXX-XXXX-XXXX-XXXX  as their website does not have the ability to dispute interest charges or communicate online with customer service. I spoke to Manager/Supervisor XXXX ID # XXXX and she stated there was nothing she could do to reduce this high interest rate even though i have an excellent payment record and excellent credit history the interest rate of approximately 22 % on both cards. I advised that i would be filing a complaint with the CFPB an agency of the Federal Government. I consider these interest rate practices predatory and would appreciate a review of this practice from the inception of my credit cards in XXXX and am requesting a refund of all this excessive interest they have been charging on these cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent account and unauthorized fraudulent inquiries
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.
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 : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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

I looked at my report and noticed some things are incomplete and not accurate. I've reached out multiple times for this negative unauthorized account XXXX XXXX XXXX XXXX XXXX, to be removed from credit report because of multiple violations of the fair credit reporting act. According to Law 15 USC 1692 C, if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication According to FCRA Section 605b it is illegal to report anything on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Debt collection

I would like to state that I have been contacting Meridian in an attempt to cease all communication and attempt to collect the debt they are claiming I owe. They have contacted me in an harassing manner ( I have attached the original request to cease communication ). Additionally they have claimed to be attorneys ( attached proof ) - which after doing my research I am able to confirm that is illegal, because of this I would like this organization to stop contacting me, reporting on my credit and demanding money from me especially since they can not follow the law. I had contacted all the credit reports to demand deletion especially since they are claiming they are attorneys and they validated this to be true? 

Additionally, I had requested proof of a signed written signature with both the original credit and the collection agency showing proof that I agreed to work with Meridian,  XXXX or any of its affiliates. I have yet to receive any responses from them. They have threatened to affect my credit. I feel like I have been pressured and forced into paying for something that began by predatory lending and misrepresentation from the beginning. Now this company is refusing to respond to me and continues to validate the information as true even when I provide proof of their inaccurate information on my report. Furthermore, they are reporting a past due balance on an account that I never signed a contract with them for. I DEMAND PROOF OF AN ORIGINAL CONTRACT STATING I AGREED TO WORK WITH MERIDIAN OR XXXX XXXX SERVICES IMMEDIATELY
Product: Checking or savings account

Account compromised account frozen closed transactions and information not received also account numbers not available checks not found Appeals not answered or received Bank card access denied with no explanation
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. 


Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!
Product: Debt collection

i received a letter that i had an account in litigation with an attorney. during the time i was moving and i've also worked with a litigation attorney and know they are allowed to garnish your paycheck ; i was fearful this would effect my moved by taking my money i set up a payment plan. after getting settled i came across the paper and did more research and found out these 2 accounts aren't even reported to none of the credit bureaus. i called MCM and the gentlemen i spoke with was unable to provide me with the requested purchase agreement, any document bearing my signature, and was unable to answer if these were credit cards then why aren't they being reported to any credit bureaus so i can do a proper dispute. all he kept telling was to go over my previous purchases and i told him that doesn't mean anything because those charges could have come from anyone and since this is a 3rd party collection agency i am required by the FCRA law to have a proper investigation completed. he advised me that it would take 90 days but in the mean time they would not continue to collect on the debt. i advised him i had this conversation recorded and i would be contacting the CFPB because i am required to receive a response in 30 days and if this was properly handed off to you ( w/o my consent ) then they should have the documentation i am requesting. as of today i have paid over XXXX $ and would like to not only be reimbursed but have this removed from account. attached is a copy of the cease and desist letter i sent to them as well as the audio from our phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXX XXXX  Balance : {$760.00}
Product: Checking or savings account

I deposited over {$1400.00} that cleared my account however Wells Fargo kept the money and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
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 redres {$940.00}
Product: Credit reporting or other personal consumer reports

I am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of this.
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. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter to them in XXXX. Its been 45 days and they have yet to send all the requested documents. They are violating my rights. There has been no document presented to me proving that I owe the alleged debt nor that I have even engaged in doing business with them. The date opened, comment, and last active dates are inaccuate when comeparing my Transunion and XXXX consumer reports. There's different information on each one. This is also a violation. Having this inaccurate item on my consumer report is negativly impacting my ability to secure credit and loans.

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: 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, leave 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: Checking or savings account

This is in regards with the complaint # XXXX Citibank has responded saying that they are withdrawing the decision on blocking and closing my account. 

Thank you for the decision. However, when I tried to login to the app, I still keep getting my access has been blocked. I called customer care bunch of times. They say my account is in good state and I was even shipped with new debit card. But when I asked for access, they keep on saying maintenance. I don't understand how can only my account is been in maintenance for 5 days? 

So I still can not access my account from past 5 days since I received the response of everything is good.
Product: Debt collection

RE : CFPB case numbers :  XXXX  ;  XXXX  ;  XXXX  ;  XXXX .      XXXX   XXXX  and I agreed to a payment plan to keep my disconnected account in a current status, and autopay was set up on an agreed-upon payment schedule. After a couple of months,  XXXX  sent my account to collections without notice. I paid a deposit via telephone to the collection agency,   XXXX   XXXX  , and proceeded to obtain another payment plan. Several months later,  XXXX   XXXX  resells my account to  XXXX   XXXX . Meanwhile,  XXXX  and these collection agencies continue to not honor our agreement when they cancel the payment plans without notice, and while they continue to add collection fees with each new subsequent collections agency. The response from   XXXX   XXXX   advises me to contact  XXXX   XXXX  directly.  XXXX  states they no longer have the account as it has been sent to collections. All parties pr  ovide conflicting information!
*** U  PDATE  XXXX / XXXX /   2017  :  XXXX   XXXX , o  r one of its agents, has now resold my account to Receivables Performance Management LLC ( " RPM '' ).
Please view the attached PDF files for furthe  r information regarding relevant CFPB cases.
Product: Debt collection

In XX/XX/XXXX I checked my credit report and came across a delinquent credit card. I opened the credit card with the original creditor XXXX XXXX back in XXXX. I hadn't used it past XX/XX/XXXX /XX/XX/XXXX as I lost my job and started to short sell my house in that timeframe as well. This account eventually was charged off and purchased by Calvary Portforlio Services XX/XX/XXXX. I disputed with them in XX/XX/XXXX stating that it shouldn't be reporting due to the age of the account. Their response was that it was reporting accurately and will remain on my credit report for another 3 years. So does that mean that everytime 7 yrs approaches that I will owe it continuously. I have attempted to try to get this fixed by a couple of attorney offices to no avail. In XX/XX/XXXX I applied for a car loan with my credit union and was declined due to this reporting on all 3 of the credit bureaus. I purchased a vehicle XX/XX/XXXX at a APR of 11.9 % which was not the APR that I was hoping for.
Product: Payday loan, title loan, or personal loan

I ordered from instacart. They offered a pay in four payment option through Klarna. I had not used it before and was unaware that the company arbitrarily assigns a purchase power or an amount they are willing to loan which varies from person to person. It does not tell you what this amount is. My order was above this amount. Not a problem if I had known. However, Klarna took 25 % of my purchase total out of my bank knowing they were not going to approve my order. Then it takes up to seven days to put back in my account. The agent said and I quote, the system automatically puts the money on hold just by trying to create the order to confirm that you have enough money for the first payment before the store processes the purchase. So knowing my order was more than they would approve they took 25 % of the purchase cost out of my account for up to a week. This happened today on XX/XX/23. All they had to do was decline the purchase it wasnt a big deal. However now they spend a week earning interest on my money when they knew they were not going to honor the lending agreement. Bad faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Follow-Up Request for Debt Validation & Assignment Contract To Whom It May Concern, This letter serves as a follow-up to my previous debt validation request, which you received on XX/XX/scrub> 2024, regarding the alleged debt referenced above in the amount of {$640.00}. You have failed to provide the necessary validation, specifically the assignment contract and full documentation requested. 

As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am reiterating my request for proper validation of this debt, including documentation proving your legal authority to collect.

Required Documentation Still Outstanding You must provide the following documents that were not included in your previous response : 1. Assignment Contract & Proof of Ownership - A full copy of the assignment contract or purchase agreement transferring this debt from the original creditor to your agency.

- If the debt was transferred multiple times, provide a chain of title documenting each sale.

2. Proof of Authority to Collect - A notarized statement from the original creditor confirming your agencys authorization to collect on their behalf.

3. **Original Signed Agreement - A copy of the original signed agreement that created this debt.

4. Statute of Limitations Compliance - The date of last payment or activity on this account to confirm whether it is beyond the statute of limitations for collection in my state.

5. IRS Form 1099-C Compliance - If this debt was charged off, confirm whether an **IRS Form 1099-C ( Cancellation of Debt was issued as required under 26 U.S.C. 6050P. If a 1099-C has been issued, provide an explanation for continued collection efforts.

6. Fair Credit Reporting Act ( FCRA ) Compliance - If this debt has been reported to credit bureaus, provide proof of compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 verifying the accuracy of all reported information.

Cease Collection Activities Until Full Validation is Provided Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts, and credit reporting agencies until you provide full and complete validation. This includes phone calls, letters, legal actions, and any credit reporting activities.

Final Warning : Failure to Comply If you fail to provide the requested documentation within **15 days**, I will take the following actions : -File disputes with credit reporting agencies ( Experian, Equifax, TransUnion ) to remove unverified debts.

- Report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office** for violations of FDCPA and FCRA regulations.

- Pursue legal action if necessary** for any continued unlawful collection activities.

This letter is not an acknowledgment of this debt but a formal request for proper validation. If you can not provide full validation, I expect this debt to be permanently removed from all records. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX