23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've attached a copy of consumer credit report I don't recognize Accounts, Collections as a result of identity theft and fraud. Per case # XXXX and ref # XXXX Identity theft XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Credit Limit : {$10000.00} XXXX XXXX XXXX XXXX {$5200.00} open XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00XXXX XXXX Account # : XXXX Account Type : Open Account Open Account Type - Detail : Credit Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$50000.00} XXXX  XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$35000.00}
Product: Debt collection

United Revenue Corp placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with United Revenue Corp . According to 15 USC 1692J-United Revenue Corp is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Product: Credit card or prepaid card

Capital one closed my account stating fraud I did nothing fraudulent I would setup promise to pay and my check wasnt in there at the time they would take it so when I received my money I paid them I cant control when my money gets in the account at what time the crazy part I would call to pay and they system wouldnt take payment. Had to wait to there system show it returned this happen all the time. They wouldnt allow me to pay with debit card even told them a few times my account was hacked so my account was being changed they still didnt care I called and told them everytime So Im not understanding I also was told the late payments they reported would be removed because I was impacted due to Covid and they said they waived and would update my report but they didnt I see it shows 60 days late. I wanted my account to stay open since Im trying close on a house this has hurt my chances so Im asking them to consider leaving it open. I dont use my card but pay a bill then pay it off the XXXX thats show Im paying but would like my card to stay open
Product: Credit reporting or other personal consumer reports

The are stating that they don't have my credit history. I called and they instructed me to updated my address. I put in a request to have my address updated and provided supporting documents. I still am not able to see my current credit score. My credit score has not updated since XX/XX/2023.
Product: Debt collection

This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!
Product: Money transfer, virtual currency, or money service

I had an item listed for sale on XXXX and XXXX XXXX. I was contacted by a potential buyer. The item is listed for {$400.00}. The buyer allegedly lives out of state and wanted it shipped. So we settled on a price of {$440.00}. They wanted to use XXXX. Since I use Bank of America I have a XXXX account. I had never used XXXX before but thought It wouldn't be too hard. The buyer said they sent the {$440.00}. At that time I got an email from what I thought was XXXX saying that I had to upgrade my account to " business '' level to receive the full amount. To do that, the buyer had to transfer an additional {$300.00}. Then it was up to me to refund that back to them. ( As Im typing this I can t believe I fell for this ). In the fake XXXX email there were several instructions ( send the refund and send a confirmation email of the refund ) and once completed I would get the full {$740.00} to even things out. So I did as it said and sent the " refund '' for {$300.00} to the potential buyer. I never received the full amount back. I contacted Bank of America and was told that because it was a XXXX transfer, there wasn't anything they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to thoroughly correct errors regarding XXXX XXXX discharge amounts. All the amounts on Experian, XXXX, and XXXX displays different amounts. In addition, also total debts from each bureaus are not the same. The previous furnishes have submitted inaccurate amounts and its been on my profile, hurting my opportunity to improve my credit scores.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear CITI, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes.

It has come to my attention that CITI has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. 

I wish to assert unequivocally that I have not provided consent for CITI to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. 

I demand, without hesitation, that CITI immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect CITI to promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

My loans are serviced by XXXX, then known as Sallie Mae. One of my loans was an unsubsidized Stafford loan that was transferred to another lender in 2009. I only received notice that the loan had been sold after I had already submitted a payment, but the payment had not yet been processed. I inquired with Sallie Mae/XXXX whether that payment would be forwarded to the new lender, and I was told verbally that the payment would be sent to the new lender. That never happened ; the money I paid for that month 's installment vanished. Although it was electronically deducted from my checking account, Sallie Mae/XXXX never applied it to that loan or any of my other loans serviced by Sallie Mae/XXXX.. The new lender never received that payment, and I was forced to make a double loan payment that month. Further attempts to follow up in writing with XXXX/Sallie Mae were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed Certified to transunion/XXXX  and XXXX asked for a verify/and or validate this alleged debt owed to XXXX XXXX  also requested the contract and signature that I provided to XXXX XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
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 fail to take timely an 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 or other personal consumer reports

Borrower Defense ID # XXXXXXXX XXXX  ID # XXXX As of XX/XX/year> XXXX Student Loans has not refunded a $ XXXX lump sum payment to me. This was part of the discharge agreement. XXXX then states that payments will resume in XXXX. 

As of XX/XX/year> XXXX student loans has XXXX my loans. However, it states that the loan amount will be payable XXXX. This amount in question should have been fully discharged by XXXX. 

XXXX XXXXXXXX XXXX XXXX  MN ( now closed ) cancelled a college course, and charged me {$980.00} for tuition. They threatened to send the amount to a collection agency. I had to pay the amount on my credit card, and later fell behind on payments. 
I was attending school and working full time, and had just bought a house.
Product: Credit card or prepaid card

I opened this account for home XXXXmprovements. I wasn't aware of the difference of how this visa credit card compared to a normal credit card. I later realized this was a credit line draw account. How payments are being applied to the account is confusing as well. I even applied additional payment to see how that would change the balances of the oldest credit draws on the account. 

I went on XXXX XXXX orders XXXX XX/XX/2022. I didn't have time to request SCRA until XX/XX/2022. This is when the account went crazy and nothing makes sense. 
Statements and draws changed over the course of the month. Min payments on the account do not reflect statement minimal due. Account then goes into default I have to call or email about the issue and they change everything again. They stated multiple time when i take a new draw the whole transactions has to be recalculate like the system can't compute the new interest rate. Which the account doesn't reflect the new SCRA rate still says 15.99 %. I was never told of what the actually credit amount was applied to my account. My rewards balance went negative for months and no one was able to correct until recently but still doesn't make sense. If I'm suppose to get 1 % cash back that shouldn't change or decrease when going into SCRA terms. Interest and principal being applied to the account each payment shows how much of the payment is applied to the principal and to interest but I can't access past breakdowns. Resolutions states its on my statement but the numbers do not add up with data from the site and on statements. I also don't believe my balance is accurate per my transactions and payments but with lack of clear data and messy statements and entire transactions being changed on statements. Also when i requested SCRA I received a NON-NEGOTIABLE PROMISSORY NOTE Date : XX/XX/2022 ( " Effective Date '' ) i thought this was weird and unethical after requesting SCRA on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Here is a structured and aggressive dispute letter for your ChexSystems unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED INQUIRIES UNDER 15 U.S.C. 1681b To Whom It May Concern, I am formally disputing the unauthorized hard inquiries appearing on my ChexSystems report. I have never authorized these inquiries, and they are a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. As such, they must be removed immediately. 

UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXX Phone Number : Not Available XXXX. XXXX XXXX ( On Behalf of XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX XXXX. XXXX XXXX ( On Behalf of XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX XXXX. XXXX XXXX ( On Behalf of XXXXXXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : XXXX LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681b, a company must have a permissible purpose to access my credit report. I never applied for credit or authorized any transactions with these institutions. Therefore, these inquiries were illegally placed on my report and must be deleted immediately.

FAIR RESOLUTION I am demanding the immediate removal of these unauthorized inquiries from my ChexSystems file. If any of these institutions claim to have my authorization, I demand written proof of my consent. Failure to provide this proof will confirm that these inquiries were made fraudulently and without my permission. 

FINAL NOTICE You have 30 days to comply with this request under the Fair Credit Reporting Act. If these unauthorized inquiries are not removed immediately, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Report this violation to my state attorney generals office. 
Seek legal action for willful noncompliance under FCRA, which allows for damages up to {$1000.00} per violation. 

I expect a written confirmation once these inquiries have been deleted. This is your final warninghandle this matter immediately. 

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

I am a XXXX woman. On XX/XX/2022, I filed a dispute on MyEquifax to update the legal name on my credit report. To support my dispute, I attached a copy of the certified court order, copy of my updated drivers license, and copy of my updated social security card. My dispute has remained pending since XX/XX/2022. I finally was able to speak with an agent on XX/XX/2022 and she told me to call back in 48 hours. I called back on XX/XX/2022 and spoke with another agent. It was only then that the agent advised that I had to mail in the documents because Equifax would not accept the documents I submitted through their online portal. I did not receive a letter, phone call or email stating this and if I had not called to check on the status of my dispute I can only assume how long I would have been kept in the dark about my dispute. I believe what Equifax did to me is discriminatory because of my gender identity because to my knowledge and based on their website other consumers are allowed to update their personal information through the portal and without physically mailing the documents. Equifax action is also unfair and deceptive because their portal indicates that consumer can update their information online with supporting documentation and XXXX consumers have no way to avoid this act or practice and it is likely to cause substantial injury to me because I am in the process of applying for a mortgage with XXXX XXXXXXXX XXXX. XXXX stated " [ w ] e are really on a time crunch right now and need to re-pull your credit ... '' and that they may have to close the application as incomplete. With interest rising everyday, this delay in updating my personal information on my credit has the potential to cause substantial injury to me.
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/2022 someone hacked my Wells Fargo accounts, transferred all the money from personal checking to my business checking and then wired everything out of the business checking. I filed a claim within 24 hours of it happening but then got a letter from the bank saying my claim was denied. I called to file an appeal, they said they won't reopen the case because they don't have strong evidence that it was fraud, when I ask what I need to provide as evidence they said nothing because the claim is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Product: Debt collection

I called earlier this year to settle my debt with the debt collector. I was told that they can only settle with a payment of XXXX. Last year I was told that I had to pay XXXX. That is not the correct amount that I owe for the apartment. I did go on XXXX and try to dispute the wrongful amount. I sent in copies of what I owe the apartment and what was given to me. I also highlighted the amount that did not match up with the amount that the apartment claiming that I owe. After doing that, I called back the agency and I asked for documentation of what I owe. The agency sent me the same documents that I had already sent in to XXXX. every time I call the agency, they are always telling me a different amount. The first option was to pay XXXX. The second option was to pay XXXX. The third option was to give him XXXX on Monday and XXXX on Friday and that deal was only going to be for that week. I was told that that was the special for that month. I recently called XXXX XX/XX/XXXX of XXXX and now I am being told to pay XXXX and if I wanted to get on a payment plan that I will have to pay the whole XXXX. All of this sounds like a scam to me that I am receiving different amounts. I do have documentation showing what I owe when I left the apartment in XXXX. I was email my Last billing for my water bill and my sew bill that is paid directly to the rent office where it shows how much that I owe for that month in the previous month. The other charges that was put on the letter that was emailed to me stating that I owe XXXX for this apartment its wrong. There was already things wrong with the apartment when I moved in and I was not supposed to get charged for it. I should not have a settlement for XXXX or XXXX because the amount of XXXX is wrong. I have tried to settle with this agency multiple times with a lower amount and they would not accept it