23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft and as a results fraudulent activities happened on credit report. I disputed this account on XXXX but still This company is erroneously reporting information on my credit report.It shows the last payment was last XX/XX/2012. If the last payment was on that month, which I believe paid off the account, why would I be reported 30 days - 120 days then account got charged off? When really was the last payment? What is the correct account closed date? How much was the last payment? 

This accounts information is inaccurate and incorrect and has not been updated correctly. Please block/delete this unacceptable file from my report asap.
Product: Student loan

Mohela has forced me into a standard repayment plan, arguing it is because they do not have time to read my application to be transitioned from XXXX to the XXXX plan ( Application filed on XX/XX/year> ; messages sent from Mohela on XX/XX/year> & XX/XX/year> ). When I called, a representative refused to place in forbearance while Mohela gets caught up and indicated something was " wrong '' with my application but refused to specify what it was, instead offering to create a new application for me over the phone. I filed a new application on XX/XX/year> based on the telephone communication. Regardless, Mohela is charging me {$1400.00} per month when under the XXXX plan I should have a much lower payment. I can not afford {$1400.00}, nor should a forbearance be required when the delay is on Mohela 's end. Regardless, I have exhausted my options in seeking relief from Mohela directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor Capital One Account # : XXXX On XX/XX/2018, you have sent me the letter down below stating you no longer own this account and that it was sold and acquired by XXXX XXXX XXXXXXXX XXXX XXXX. In addition to that, the account has been closed since XX/XX/2018, and It is clearly time-barred by New York Civil Procedure Law Section 214-l which provides that an action arising from a consumer credit transaction must be filed within three years. 


Dear XXXX XXXX, We wanted to let you know about a change to your credit card account referenced above. Your credit card account with a balance of {$3200.00} was acquired by XXXX XXXX XXXX, XXXX on or about XX/XX/2018. XXXX XXXX XXXX, XXXX now owns your account and may contact you either directly or through an affiliate or third party. If you have any questions about your account, please contact XXXX XXXX XXXXXXXX XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sincerely, Capital One
Product: Debt collection

NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue has been ongoing since XX/XX/XXXX. There was XXXX  negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX Collection Agency _ original debtor ( XXXX XXXX  ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX XXXX  ) 3. XXXX XXXX XXXX XXXX Collection Agency_ original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 

2. National Credit adjuster, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, National Credit Adjuster has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under at + open end consumer credit plan as late for an purpose.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX Balance : {$180.00}
Product: Money transfer, virtual currency, or money service

NO COPY OF WHO ENDORESED THE MONEY ORDER HAS EVER BEEN RECEIVED from Western Union. 

DEFINITION OF ENDORESED - Sign ( a check or bill of exchange ) on the back to make it payable to someone other than the stated payee or to accept responsibility for paying it ) I am not asking for payee information.  Western Union please send a copy of facts : a copy showing bank account tracking information such as the XXXX XXXX routing number and account number that the money order was cashed from that also shows that XXXX stamped or signed the money order. A blank money order shows nothing and just saying that Western Union sent three copies and to call XXXX XXXX means nothing. Fraud and Scam. Money was paid to Western Union to provide this information to me.

Western Union has been deceptive in providing me with proof/factual information on who cashed the {$130.00} money order that I paid for and has refused to provide me with a copy on who endorsed the money order. I have requested for months that that Western Union ( Western Union Reference Number : XXXX ) give me traceable information on who cashed the money order and as of today, XXXX, they have refused to provide facts and keep providing useless responses. A copy of the money order is attached. The problem occurred in XX/XX/2020 after my bill was not paid. I contacted the XXXX XXXX XXXX ( complaint ID # XXXX XXXX to resolve this with no conclusion after Western Union refused to send me a copy on who endorsed the money order. Western Union also closed the case since they  sent me a copy of the front of the money order and a blank copy of the back of the money order. I also contacted FTC with a complaint and never received a response. I need the following facts on who endorsed the money order who cashed it and where did the money go since XXXX never received it. Western Union refuses to send me the following after they told me to pay them {$15.00} to receive a copy of the front and back of the endorsed money order. I have never received the following from them : company name or person who endorsed the money order a copy of the back of the endorsed money order ( not a blank copy of the back of a money order ) the bank account number that the money order was deposited to the banks name or routing number. I am requesting that Western Union send me a full refund of {$150.00} - {$130.00} for the money order and {$15.00} for the requested copy of the endorsed information from the money order to resolve this complaint. Western Union please contact our Corporate Headquarters at XXXX, and provide the Western Union Reference # : XXXX. You may also email us at XXXX.
Product: Debt collection

Midland Funding LLC # XXXX XX/XX/2016 {$550.00} Midland Funding LLC # XXXX XX/XX/2016 {$1000.00} I get calls from this company all day for a repeat debt that I told them I don't owe. They have called and harassed me and wont stop. I don't owe them any money.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX  ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), XXXX OF XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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: Debt collection

A company by the name of " XXXX XXXX '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " XXXX XXXX '' to validate any information.
Product: Debt collection

I have four accounts that are unlawfully added to my credit report I've tried to contact XXXX XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of RICO
Product: Credit card

Dear cfpb I hope this message finds you well. I am writing to express my dissatisfaction with the way a recent dispute was handled by Chase Bank regarding a transaction on my account. 

Transaction Details : Type : Sale Transaction Date : XX/XX/2023 Posted Date : XX/XX/2023 Description : XXXX Merchant Type : Discount stores Method : Online, mail, or phone ( XXXX XXXX  ) Category : Shopping Reference Number : XXXX Amount : {$48.00} Total Rewards Points Earned : XXXX The issue arose when I made a purchase on XXXX, and the seller failed to provide the promised free return service. Despite my attempts to resolve the matter directly with the merchant, I was unsuccessful in obtaining a satisfactory resolution. 

Subsequently, I initiated a dispute through Chase Bank to address this issue and seek a fair resolution. Regrettably, I found the process to be unsatisfactory. The communication and support provided during the dispute resolution were subpar, leaving me frustrated and dissatisfied with the overall experience. 

I understand that dispute resolution can be complex, but I believe that as a valued customer, I deserve a more transparent and efficient process, especially when faced with a situation where the seller did not adhere to the agreed-upon terms. 

I kindly request a thorough review of this dispute case and would appreciate any assistance in ensuring a fair resolution. Your attention to this matter is highly appreciated, and I trust that Chase Bank will take the necessary steps to improve the dispute resolution process for its customers. 

Thank you for your prompt attention to this concern. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Trying to move an accurate account on my credit report but Equifax is giving me a hard time so I have to file a complaint to have the an accurate accounts be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, XXXX, and Equifax on the following accounts. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, Equifax, and XXXX in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?
Product: Debt collection

I am a victim of identity theft and this debt is not mine. I have police reports and detective narratives explaining that someone who was not me- opened an apartment in my name refused to pay and then exited the community. The suspects gender and physical description supports and proves that this debt is not mine. 

This suspect opened an apartment leasing contract with the XXXX at XXXX XXXX under my name without my knowledge or consent, then failed to pay their obligations. This debt is not mine and needs to immediately and permanently be removed from my credit files at all three bureaus. 
Im signing this to acknowledge and emphasize my complaint as a victim of identity theft who has never lived at the XXXX at XXXX XXXX. This debt and collection sought by XXXX XXXX is not mine.
Product: Money transfer, virtual currency, or money service

hello paypal, I try to withdraw my money and after try 2 time and the system fail, the limitation was place on my account. 
This is really fustrate to place a permanent limitation without any reason becouse i try to transfer money to my bank account. 

you can review the account and everything is fine but your system made everything dificult. 

i guess i wish you gys help me to resolve this problem on my account becouse the only thing i do was try to transfer my money to the bank. 

XXXX ( LIMITATION WAS PLACE AFTER I TRY TO TRANSFER MY MONEY TO MY BANK ) XXXX i hope paypal can do something for fix this.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX  around XXXX I called Western Union `` W.E. '' ( XXXX ) to request a refund/replacement money order due to my financial institution not accepting the money order. The " W.E. '' representative " XXXX ' communicated it will take 30 days to look into it and I will receive a check within 45-60 days. 
On XXXX XXXXXXXX XXXX, over 60 days later, around XXXX after not receiving a check or any form of communication from " W.E. '' I called back and spoke with " XXXX '' who informed me she did not see any escalation process on her end and they do not escalate refunds over the phone, I would have to go online to request a refund. At that point I asked for a supervisor. Over an hour later after being placed on hold a supervisor " XXXX '' attended me and confirmed I was given false information from the agents. I gave her my information and she said she will call me back after 48 hours.
Product: Mortgage

ITS EIGHT ( 8 ) MONTHS SINCE FULL PAYMENT - TITLE HAS NOT BEEN RECEIVED! 

NARRATIVE XX/XX/XXXX - 'MR.COOPER ' LOAN CO NOTIFIED US THAT OAN IS PAID IN FULL : LOAN NUMBER : XXXX XX/XX/XXXX - NOTIFIED XXXX OF XXXX BREACH THAT " THERE WAS UNATHORIZED ACCES TO CERTAIN SYSTEMS BETWEEN XX/XX/XXXX AND NOVI, XXXX, WE ARE THEREFORE PROVIDING YOU WITH PROACTIVE FRAUD ASSISTANCE T HELP ANY Qs THAT YOU MIGHT HAVE OR IN THE EVENT THAT YOU BECOME A VICTIM OF FRAUD '' THIS SERVICES ARE PROVIDED BY XXXX THROUGH XXXX XXXX, A XXXX XXXX LETTER SIGNED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

FOLLOWUP CALLS MADE TO THEIR CUSTOMER SERVICE AT XXXX AND/OR LEAVING VOICEMAILS SINCE XXXX XX/XX/XXXX ONCE A WEEK BUT TO NO AVAIL ( PERSONNEL NEVER RETURN CALLS )
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.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

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection of  XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Debt collection

This debt was paid in full on the Midland Credit Management website on XX/XX/2019. I paid the full amount showing on my statement. After successful payment, I received a receipt screen showing that the debt was paid and had a XXXX  balance. When I went back into my account today XX/XX/2019. Mysterious extra charges have now been backdated and I am showing an additional {$510.00} balance. These charges are not valid and were not on my statement when I paid the account in full on XX/XX/2019. 

As back up I have screenshots of my paid in full receipt screen, my bank statement showing payment, their statement showing the new charges backdated before my payment, and my credit report showing the amount reported by MIdland. I feel that this is a scam and fraud to try to get more money out of me when i have duly paid my obligation to them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX i have never changed my name i have never use any of the alias names on my credit report. Any nanes other than XXXX XXXX XXXX were fraud. Please remove. 
Also i lived at XXXX XXXX XXXX. XXXX, Al . For 30 years i have never used any other address in Alabama. Please remove all alabama addresses but this one. Only a unstable person will have over 20 addresses. Also the social security numbers please remove from credit file. Not mine also the phone numbers as well.