23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Mortgage

I applied for a refinance with AmeriSave mortgage in XX/XX/XXXX of XXXX. This was for a property my wife and I owned in Delaware, a second home in a resort area. We have refinanced this at least twice in the past. They did not express any concerns with our application or credit to proceed with the loan. 

Before they would begin the application process we were charged {$520.00} for a home appraisal, this was also on XX/XX/XXXX. The application process was VERY long, and required more documentation that other loans we had applied for. On or about XXXX AmeriSave terminated our application because the property 's homeowner policy allowed for short term rentals - basically renting out the home for vacationers. We don't do that with our property but the covenants of the development allow it. AmeriSave stated that underwriters for our type of loan would not allow this kind of short term rental allowance. 

So after months of responding to their every data request we are out {$520.00} when we should be saving money. I requested to get my {$520.00} returned to us since this was clearly AmeriSave 's lack of due diligence in screening our property ofr this eventual show stopper. Since we had refi'ed the property several times before we had no idea the loan vehicle they were using had this kind of restriction. They have refused to at least give me back the money for the appraisal for their misleading behavior and incompetence. Hope you can help. The AmeriSave loan number is # XXXX and my loan officers were XXXX XXXX and XXXX XXXX. I can provide phone and email if that helps.
Product: Credit card or prepaid card

On XX/XX/XXXX  I received in the mail an unsolicited credit card from Bank of America entitled the Allegiant World Mastercard. A few days before the card arrived, I received an email from Bank of America advising me that the credit card was on its way, see attached. I checked their website and sent an email to XXXX and asked for a copy of the application used to process the new card so that I could determine if this was a case of identity theft. I received notice of their receipt of my email request but they have done nothing and did not reply to my request for documentation.
Product: Debt collection

XXXX is illegally reporting information on my credit report. Transworld notified the credit bureaus on XX/XX/year> of this alleged debt and neither Transworld or XXXX notified me within 5 business days of this debt. I get alerts today that XXXX lowered my credit score XXXX points and I am closing on a home next week and need this off of my credit report ASAP! Transworld has not notified me of this debt via mail nor did XXXX. This is a reinsertion which is illegal. 

This is NOT my debt! I am not liable for this debt! This is an illegal collection. Transworld has no license to collect debt in my state of residence. Also, This was being reported XX/XX/year> as a " reinsertion ''. I do not have a contract, purchase agreement or account with Transworld and I want them to remove this off of my credit report ASAP!!! My score has went down XXXX points because of this illegal debt. None of the credit bureaus or Transworld provided me a letter of this information within 5 business days under 12 CFR 1006.349 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 U.S. Code 1681 ( c ) ( 2 ), 15 U.S. Code 1681 ( B ), 15 U.S. Code 1681 ( C ) ( 2 ), and 15 U.S. Code 1681 ( s ) ( 2 ). 
I have not supplied proof under Stoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore such debt, in fact exists.
Product: Checking or savings account

For the past few weeks, I have tried multiple times to move money from a Marcus by Goldman Sachs account into an external account. Each attempt has failed even though I have followed different advice/ instructions from Marcus representatives and supervisors each time. No one has been able to provide an accurate answer as to why I can't move the money as requested. I need the following : ( i ) My wire request to go through successfully and ( ii ) someone to instruct me in how to avoid this issue moving forward.
Product: Debt collection

Received a debt to collect letter for cellular services from a provider that I do not have a contract nor receive services from for the amount of {$980.00}. 

Submitted a previous claim ( claim # XXXX ) that contains inaccurate company 's response. Proof of signature was not received for services and notification of debt was not received back in XX/XX/XXXX1.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to i adequate customer servick and XXXX fair or ides, Ich violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Dear Fair Collections & Outsourcing, The XXXX  XXXX, I am writing to formally dispute and demand the removal of an alleged debt that has been inaccurately reported on my credit profile. This debt is not mine, and I have no knowledge or association with the account in question. Despite my prior efforts to resolve this matter, the erroneous information persists. 

As such, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and request immediate validation of this debt. Specifically, I require the following documentation to substantiate any claims against me : Evidence of your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to pursue collection of this debt.

Legal basis for your claim, including all relevant statutory authority.

Proof of your authorization to conduct debt collection activities within my state of residence.

Verification of the alleged debt, including any contractual agreements bearing my signature and the original creditor 's details.

Complete account history, detailing all transactions, charges, and any collection-related fees.

Additionally, I must inform you that your actions may constitute violations under several key sections of the FDCPA, including but not limited to : 15 U.S.C. 1692d : Prohibition of harassment or abuse in debt collection.

15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) : Obligation to properly disclose my rights.

15 U.S.C. 1692f : Prohibition of unfair or unconscionable practices in debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX  Credit Report USAA ( Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched USAA Mastercard Statement Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?
Product: Debt collection

Hello, I notice that there are collections accounts on my credit report. I never had credit with this creditor XXXX in XXXX or XXXX. I have asked this company serval times to provide me with documentation showing that the account belongs to me. It's been over 30 days and I have not heard back from them. Please can anyone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Care had stated that they would be able to remove inaccurate items on my credit report. I must say with much disappointment I have seen Zero Results from they're services which I have paid faithfully for months on end to get an ending result of ZERO. I am asking for a full refund and I have already reported them to the FTC- Federal Trade Commission FTC Report Number XXXX. I have made numerous attempts to resolve this matter directly and kept getting different representatives who would transfer me numerous times in efforts to not address the refund issue.
Product: Debt collection

I am disputing the collection account with APPLE CARDGS BANK USA, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that APPLE CARDGS BANK USA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Paid My Target XXXX Card on my due date XX/XX/24 then accidentally scheduled my XXXX XX/XX/24 payment for XX/XX/24 but I'm not concerned about that. My XX/XX/24 payment was returned as I made a mistake and paid early. I noticed this and paid XXXX XX/XX/24 in the amount of {$700.00} and XX/XX/24 in the amount of {$110.00} and then XX/XX/24 in the amount of {$310.00} So I was 14 days past due Speaking to multiple reps with TD Bank Target XXXX Card. They told my it not 30 days late but when talking to the dispute center he argued that if I have a due date of XXXX and my statement ends on XXXX then any payment after the XXXX of XXXX is and will be reported as XXXX dahs late I said even if it's only 4-5 days after my due date he said yes thats 30 days late but my payment wasn't due till XX/XX/XXXX XXXX and I paid XX/XX/XXXX on time so its not late by 30 days only XXXX. If I missed paying by XX/XX/XXXX or XXXX then I'd be late but I was 14 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX  2.The following personal information is incorrect
    
    Previous Names: XXXX XXXX  
3.The following personal information is incorrect
    
    Previous Names: XXXX XXXX  
4.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX  
5.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX

6.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX

7.The following personal information is incorrect
    
    Previous Names: XXXX XXXX XXXX  8. The following personal information is incorrect
    
   Previous Address (es): XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX

8. The following personal information is incorrect
    
   Previous Address (es): XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

8. The following personal information is incorrect
    
   Previous Address (es): XXXX XXXX XXXX XXXX XXXX, TX. XXXX
Product: Checking or savings account

After a period of a few years operating and having scheduled activity from my US Bank checking account, I was notified from them via mail that my account was being placed in a dormant status and would begin to be charged additional fees because there wasn't any ad hoc user-initiated transfers/payments. 

Opting instead to close my account, I began the process. I withdrew all my money from the account, which according to their letter, should have removed the dormant status, and called to request a CSR make my account active status so it could be closed. It's not possible to close accounts in dormant status according to US Bank.

The form the CSR submitted resulted in an exception, and I was not notified. The account stayed in dormant status. I only found out because I called a week later to confirm that it was closed. 

I escalated to a manager and after an hour or so they were able to put me in a queue manually to get the dormant status removed. 

Two weeks later I get a push notification on my phone and apparently the issue is not yet resolved because my checking account is still open. I call and they have XXXX records of the manager action putting me in a queue. 

I am speaking currently to XXXX XXXX she claims it's again being escalated to a CS Manager, this time named XXXX XXXX She claims XXXX should be giving me a call back to resolve my issue. I'm not holding my breath.
Product: Debt collection

Navient has called my entire family and friends letting them know I had student loan debt. They have called my mom at work and even faxed proof of employment to her office ( where I do not work ). They harass my family daily even after they were told to stop. I have set up a payment plan with them and they still continue to harass everyone.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries listed below be removed. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/2024 & XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have these 2 XXXX XXXX HARD INQUIRES removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Vehicle loan or lease

XXXX XX/XX/XXXX Ref : I need to get I need the Lien Release Letter To Whom It May Concern : On XX/XX/XXXX, ( see attached documents ) I paid the car loan with account number XXXX for the XXXX XXXX XXXX. 
I HAVE NOT OBTAINED THE TITLE FOR MY CAR. I try to call the phone number but it is impossible. I update my address in the Banking information has been updated since XXXX in my banking profile and in the TX Motor Vehicle.

To get the copy of my car title, I need the lien release letter which should be sent to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Thank you XXXX XXXX XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX Cell : XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had a ballon payment which I was not notified of. I was getting e-setatment which were going to junk mail. At the time of the purchase I was told I would be receiving notification before it was due by mail. I realized the XXXX in interest was charged in XXXX I call in XXXX spoke with two managers and was told I would be called back, I was not. I called the bank today and was told to put it writing and send to the headquarters. Their position is that I was just over thirty days. Mine is that I was not notified appropriately I wanted to pay balance due but not the XXXX XXXX in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I went to talk to XXXX XXXX XXXX Regarding a loan and I said to explain to me how the loan work in New York She run my credit whit out explain or authorization for me to run my credit she did it anyway and no explanation no letter the name of the place is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Tell. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Debt Validation Dear, XXXX XXXX of the XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$120.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor.

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Debt collection

Since XXXX, we have been getting mail from different debt collection companies who say that we owe money for a XXXX account that we did not open. The account was first under my wife 's name and we did pay the full amount once out of confusion, then later realized we did n't use that account with XXXX. Later, after contacting the most recent debt collection company, XXXX XXXX XXXX XX/XX/XXXX to dispute another debt collection mail received, they told us to just pay half the amount and then the problem would be solved. As ofXX/XX/XXXX, XXXX XXXX XXXX said the account has been resolved. Yet after we did that, I have received another mail in XX/XX/XXXX stating a debt of {$80.00} from Credence Resource Management , LLC. This time, the account is under my name and not my wife 's, but we did not open this account.XX/XX/XXXX I called XXXX and they also confirmed that they do not work with this debt collection company.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Checking or savings account

Dear CFPB Staff, Incompetence on behalf of Chase JP Morgan 's phone staff has caused our family almost {$150.00} in losses over fraud. 

I just got off the phone with a supervisor supposedly named " XXXX '' text Chase 's claims department. 

Yesterday we had faxed the requested evidence proving fraud on a claim for the amount of {$140.00}. We have been assured our funds would be returned to us once the paperwork has been faxed in. 

However the supervisor today refused to do so and claimed she could no longer reopen the case. 


This was all due to their phone staff initially failing to take down what I said correctly andand code selecting errors when opening our case!