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

I am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} XXXX XXXX XXXX, XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance {$130.00}.
Product: Vehicle loan or lease

I paid off the Yamaha motorcycle on XX/XX/2022. I was told I would receive the title within 30-45 days. I never received the title. I have tried calling multiple supervisors and have been told in XXXX and in XXXX that they still have the account in an " open '' status and that they needed to mark it as " closed '' and will send me the title. When I try to call them back the supervisors don't answer my calls and they still have this in an " open '' status and have never mailed me my title.
Product: Debt collection

I never received a direct bill from XXXX XXXX XXXX in XXXX. They sent my account directly to a collection agency, One Advantage. I made the following payments, but continue to receive notices for payment from One Advantage : XX/XX/20 paid {$300.00} ( acct. # XXXX XXXX XX/XX/20 paid {$480.00} ( {$300.00} to acct. # XXXX and {$180.00} to acct. # XXXX XXXX Account numbers : XXXX and XXXX ( creditor # XXXX ) XXXX XXXX creditor # XXXX ) One Advantage, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Student loan

I file this complaint concerning MOHELAs deeply troubling and flagrantly contradictory actions regarding my XX/XX/2024, payment, which was withdrawn from my bank account. By email dated XX/XX/2024, which I have attached to this complaint, MOHELA informed me that my account had been placed in forbearance to allow Federal Student Aid to fully implement the SAVE income driven repayment plan. The XX/XX/2024, MOHELA email specifically states that I would receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( s ) covered by the forbearance, assuming all other requirements are met. The email further states that [ y ] ou will be removed from the forbearance once we are done applying to your account any additional SAVE benefits for which you may be eligible. We will then send you your next monthly billing statement at least 21days before your next monthly payment is due. And yet, despite the XX/XX/2024, email on XX/XX/2024, at XXXX XXXX, I received the attached email from MOHELA indicating that a monthly payment in the amount of {$220.00} would be withdrawn from my bank account on XX/XX/2024, through Auto Pay. I have attached a billing statement dated XX/XX/2024, for the XX/XX/2024, payment. While the billing statement is dated XX/XX/2024, the statement did not appear in my MOHELA inbox online until XX/XX/2024, per the attached .pdf. Thus, I received my billing statement TWO DAYS before my scheduled due date despite MOHELAs written assurance on XX/XX/2024, that my account was in forbearance and despite MOHELAs written promise that I would receive a billing statement AT LEAST 21 days before my next payment is due. I do not see how MOHELA 's actions are legal. Even if the XX/XX/2024, date is considered ( which would be improper ), it is still far less than the required 21 days for sending a billing statement ( it would amount to a mere five-day notice of a payment due and owing ). I DEMAND an immediate return of the {$220.00} that MOHELA wrongfully withdrew from my bank account on XX/XX/2024, and for XXXX of XXXX to qualify for PSLF and IDR forgiveness per the XX/XX/2024, email. My ID is attached.
Product: Money transfer, virtual currency, or money service

Sent money to the wrong persons snd couldnt get a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX disputes against a creditor ( XXXX XXXX ) but Experian only sent back certain laws back but never sent my complaint to the creditor for a response. I filed a dispute in XX/XX/XXXX and got no results. I then filed again in XX/XX/XXXX still no results.
Product: Credit card

I previously submitted a complaint on XX/XX/year> but you deleted it. 

Goldman Sachs Bank/Apple Card refuses to send me my replacement card in an envelope. They send their credit cards in fancy boxes. I can not receive boxes. They sent the card in a box and it was returned by the mail clerk because it was in a box. 

I reached out to them on XX/XX/year> and they refused to send the card to me in an envelope. I asked for a supervisor and was told that one wasn't available but that one could call me back within 10 days. No one ever called me back. 

I reached out to them again today XX/XX/year>. I was escalated to a 2nd level supervisor who lied and said that someone called me on XX/XX/year>. No one called me. No one called and left a voicemail. No one called. No one emailed me. No one mailed me a letter. 

The only option provided to me was to completely change the address on the account to a different address. I do not want to change the address on my account ( even temporarily ). If my address changes it will be sent to the credit reporting agencies which will cause future confusion with creditors and may even possibly lower my score.

They are supposed to respond to the complaint within 15 days. Today is the XXXX day. All that the 3rd level Goldman Sachs Bank USA supervisor says is that " it is being looked into ''. They refuse to provide me with a solution or a date by which a solution will be provided. Only that it is " being looked into '' and that maybe they will be done looking into it within a few weeks. Meanwhile, my card expires on XX/XX/year>. 

The 3rd level supervisor tried to convince me that I don't really need a physical credit card to get this issue off of their plate. Not true! Not all merchants accept Apple Pay. 

I SHOULD NOT HAVE TO CHANGE MY ADDRESS TO RECEIVE MY REPLACEMENT CREDIT CARD! 

Please see confirmation of the original complaint filed on XX/XX/year> that has disappeared from my account.
Product: Debt collection

My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence.
Product: Credit card

My Macy 's American Express Credit card has been overcharging me for a cash advance since 2009. I have never received a statement of my balance for the cash advance and none of the payments I sent to Macys were ever applied to my balance. Now I just find out I am being charged a revolving charge for a cash advance that can only be paid only if I pay the entire balance. My total balance is {$6500.00}, of which apx. {$1000.00} is for a cash advance. Macys told me I can not pay separately for my cash advance but I am being charged an extra {$20.00} each month. This is gauging, fraud, double-dipping and plain whole stealing. Macys does not give the consumer a chance to pay their cash advance. When are the deceptive practices going to stop? Please have Macys remove this charged for the cash advance from my account, I would like a ledger of the daily interest charges for the cash advance and balance since 2009. Going forward, I need a monthly account of the cash balance if Macys refuses to remove the charge. I would like greater transparency for the consumer to let them know exactly the policy of the cash advance. I will not let this go, credit card companies are making people debt slaves and the government is condoning this behavior.
Product: Credit reporting or other personal consumer reports

I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following accounts and inquiries that appear on my credit report, all of which are fraudulent and were opened without my consent : XXXX XXXX XXXX XXXX Account XXXX XXXX {$100.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX {$370.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX {$2100.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX {$660.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX {$840.00} Reported on XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX {$170.00} Reported on XX/XX/XXXX These accounts do not belong to me. I have never opened or authorized any of the above-listed accounts. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking and deletion of these fraudulent accounts from my credit report. 

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification for these accounts. You are required to provide documented proof that I authorized these accounts, including signed agreements or contracts. If you can not verify the debts, they must be permanently removed from my report. 

Compensation for False XXXX : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to {$1000.00} per violation in statutory damages. 

Supporting Documentation : I have attached the following documents to support my claim : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following : 1. Immediate blocking and deletion of all fraudulent accounts and inquiries listed above. 
XXXX. Debt verification for all disputed accounts. 
XXXX. Written confirmation that the fraudulent items have been removed from my credit report. 
XXXX. Notification to all furnishers associated with these accounts, instructing them to cease reporting any unverifiable information. 
XXXX. An updated copy of my credit report reflecting these corrections. 

Please confirm in writing that my request has been processed according to the FCRA. If you fail to comply with these legal requirements, I will explore further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

my attorney XXXX XXXX represented me in a case against XXXXXXXX XXXX XXXX. the case was settled and i was issued a check. XXXX attempted to deliver the check but was not successful because it was sent to my mothers address instead of my current address and no one was there to sign for it. after several attempts i was contacted to pick up the package ( check ) from the warehouse. i took the check to Regions bank and opened an account and i was told it had to be placed on hold for 5 days. After those 5 days, i went into the branch andwas told it would be an additional 10 days. a couple days after that i received another check for the same amount as the first check because the first check went to a previous address and could not be signed for which is why they issued another check ( i didnt know the first check i took to regions had been canceled and a new check was in route ) and i took it to regions bank to let them know what happened. the teller i spoke with was very rude, she questioned me like i was under investigation and told me she suspected fraud and that i was not able to get the money so i left. i waited a couple days and went back again and spoke to XXXX XXXX and she told me that the fraud department had the check.i immediately called my lawyer and he spoke to her ( XXXX ) and told her that he did not understand why they should be giving me problems because the check was good and that the funds had been released from XXXX XXXX and was now in Regions bank possesion. she then told him she needed a letter on letterhead from XXXX XXXX stating the check was mine and the check was good for cashing. on XXXX i contacted XXXX XXXX and a rep told me to give their contact information to regions bank and have them send over the information they were requesting and they would respond with the information needed. i immediately called and spoke to XXXX XXXX and she said she would send the information before the day was out. On XXXX i called XXXXXXXX XXXX  to confirm Regions ( XXXX XXXX sent the information in and they said it had not been received. i then went to regions bank to speak with XXXX XXXX and was not allowed to speak with her, instead she she sent another bank teller to tell me that she had not done it and she would do it when she had time. i then asked to speak to someone in the fraud department and was not allowed to speak to them so i left.im exhausted and disgusted with the whole process and feel they are giving me the run around. i have done everything they asked of me and still not able to get my money released nor will region bank give the check back so i can cash it somewhere else. i am in desperate need of somewhere to XXXX and XXXX XXXX XXXX XXXX and have been XXXX XXXX XXXX over a year due to a XXXX XXXX XXXX which is why XXXX XXXX  compensation issued the check in the first place.This has been an ongoing situation since XX/XX/year> and it is now XX/XX/year>. If my funds arent released after this attempt, i will be forced to seek legal representation and seek damages from Regions Bank, simply because this is not fraud and the way they are treating me. Please help!!!!!!
Product: Checking or savings account

On XX/XX/ I made a mobile deposit. At that time I was told that as long as the deposit was made before XXXX the funds will be available within 4 business days. On XX/XX/ I contacted Cash App to follow up because my funds were still not available. They then told me the funds would be available by the 5th business day. I contacted them again on XX/XX/23 and they told me that they have no further information on the issue and ended our correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the discover link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by Discover I did not authorize this inquiry
Product: Credit reporting or other personal consumer reports

they have gone to far out all the evidence that i have sent in of Fraud and their violating of me i have nothing else to say. this has become a legal matter civil and criminal. the lawyer 's will handle this. XXXX has every piece of documentation, they probly did not bother to print them out.most likely ignored. I did stated that this person has done this before and got away with it but not this time they ( XXXX  worker )
Product: Debt collection

Called business cell phone, asked to be removed from list did not do so. Continued calls to business cell phone. 
Debt that is trying to be collected is debt that has been sold to XXXX or XXXX seperate collection agencys all of wich are trying to collect the debt.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, This is XXXX XXXX XXXX and I am writing to dispute inaccurate information on my credit report. This is NOT a 3rd party contacting you. Upon me reviewing my credit report, I have identified several items that contain incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), the information provided to credit bureaus must be accurate, complete, and verifiable. Specifically, FCRA Section 611 states that : " ( a ) In general. Subject to subsection ( f ), 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ''
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX Acct # XXXX balance {$13000.00} opened XX/XX/XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$470.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX  Acct # XXXX opened XX/XX/XXXX Balance {$23000.00} XXXX  XXXX Acct # XXXX XXXX XX/XX/XXXX Balance {$260.00} XXXX XXXX Acct # XXXX XXXX XX/XX/XXXX Balance {$4500.00} I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

The following XXXX credit card account ending in XXXX is a fraudulent account. I never applied for the credit card account. I am a victim of identity theft and have been a identity theft victim for over XXXX yrs. Someone stole my identity and applied for the account using my personal information. The XXXX credit card account and the balance of {$4300.00} I snt mine and dont belong to me.
Product: Debt collection

Someone uses my information to fraudulently open a utilities account I have never live in Louisiana
Product: Debt collection

Received a call from Accounts Recievable Consultants, representative XXXX XXXX ; was extremely rude, as I was being professional and cordial trying to make arrangments for payments. She began laughing and literally screaming at me. She did not provide any resources or options as to how I should go about paying or setteling my debt. Extremely unprofessional behavior, I have rights as a citizen not to be harassed, annoyed, alarmed, abused, tormented, or embarrassed as the claimant. She was very alarming, abusive, and embarassed me very much as I tried to negotiate a settlement to my debt.
Product: Credit reporting or other personal consumer reports

Experience credit bureau has allowed XXXX XXXX to violate my fair crediting act rights in closed and is complaint I will show that the account for XXXXXXXX XXXX  is a illegal account the account is over XXXX years old the account was originally open XXXX of XXXX we are now in XXXX of XXXX by fair crediting act laws This account should have deleted XXXX years ago XXXX XXXX had no rights to the account from the get-go the original creditor was XXXX XXXX XXXX XXXXXXXX has no information on this account because they closed it because they were sent a cease and desist in XXXX They have no knowledge on how XXXXXXXX XXXX even receive the account and told me not to pay XXXX XXXX anything because they can not collect on a debt that is past XXXX years old to begin with XXXX XXXX has uploaded more than {$86.00} negative remarks the account is showing closed but it's showing that it was sent to a lawyer and to a debt collecting agency within the company that is all a lie that is incorrect information They lied to experience and said that the account was open XXXX of XXXX which is another lie and it was done purposefully by XXXXXXXX XXXX  I was threatened by this company several times through phone calls This company has been sent a cease and desist I will enclose my original credit report from XXXX that shows the account from XXXX XXXXXXXX the original account and the account was open in XXXX of XXXX not XXXX of XXXX like XXXX XXXX reported on my credit report This company needs to be stopped I want all information from XXXX XXXX removed from my credit report immediately delete it completely all negative remarks to be deleted
Product: Prepaid card

On XX/XX/year> I received an email stating that " You can't use PayPal anymore '' I know that I have been given the Terms and Conditions, but I am not a legal expert and don't understand everything. But to my knowledge I have not violated any law like the FDCPA, FCBA, or FCRA. 

I feel that a proper warning from PayPal should be in place to guide us better so that account closures wouold be minamized and only used as a last resort.