23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Money transfer, virtual currency, or money service

There was a technical problem with cash app called the number listed the representative that I spoke with told me they had a problem with the app he told me he would fix the problem so that I could transfer the XXXX to my XXXX XXXX account he could not do it so he instantly deposit the money on a card ending in XXXX it has cash out on my app but I dont have a cash card and I went online to my account it had pending then reversed so the payment never went to my bank but it was cashed out because my cash app is showing XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report shows one inquiry which was NOT authorized. This criminal company Experian puts ( 1 ) hard inquiry without any legal authority and ( 2 ) does not update correct address. This is 10th time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second of 2 complaints Im filing against Equifax today regarding Equifaxs continued violations of my rights under the FCRA. On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX  shows that my mailing was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 2 of 2 was a Factual Dispute Letter regarding their reporting of accounts for XXXX XXXX, XXXX, and XXXX XXXX XXXX on my credit report ( please see attachments ). The 30-day time frame given for Equifax to investigate my factual disputes passed on XX/XX/2020. At XXXX XXXX today ( XXXX ), I called Equifax inquiring about the status of my factual disputes. After a long hold, I spoke with their representative named XXXX. While XXXX acknowledged receiving Enclosure 1 of 2, she told me they did not receive the factual disputes listed in Enclosure 2 of 2. XXXX offered to start a dispute for me via the phone. I adamantly refused! When I asked to be transferred to a supervisor, she put me on hold and then disconnected the call! I have proof Equifax received my mailing with 2 letters enclosed and have no intention of waiting an additional 30 days for them to respond to my request. Equifax is once again in violation of the FCRA. I believe Equifaxs goal is to intentionally cause me further harm by refusing to acknowledge and process my factual dispute and I demand they immediately delete all references to XXXX XXXX, XXXX, and XXXX XXXX XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX  XXXX , the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

Self finical LEAD balance of {$0.00} XX/XX/year> This company have reported negative remarks on my credit report stating miss payment and as account closed profit loss. This account was a credit builder secure loan. No monies was ever issued to me. I closed this account, never missed a payment and paid it in full
Product: Credit reporting or other personal consumer reports

Over the past four years, someone named XXXX XXXX used my personal information to apply for credit cards and possibly other accounts without my permission. He lived with me for a period of time and gained access to my ID, Social Security number, bank cards, phone, and even tax documents. I did not realize the full extent of what was happening until recently. 

Since then, I have seen repeated credit inquiries and new accounts that I did not authorize. Ive tried to dispute them through XXXX XXXX and directly with the credit bureaus, but my disputes keep getting denied. Ive never been able to recover from this, and my credit score has remained extremely low, which has prevented me from rebuilding or accessing basic credit.

I want to note that this same individual also did this to my significant other, who lived with me at the time. She is submitting her own complaint separately, and I hope this pattern of identity theft will be taken seriously.
Product: Payday loan, title loan, personal loan, or advance loan

every time i make a payment. i feel like nothing is going to the principal to pay off the loan instead all of it is going to interest and the company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. this account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions ; under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. and I seek appropriate redress for these violations.
Product: Debt collection

I had a joint checking account with a friend a couple of years ago. It went negative XXXX dollars or so due to the other account holder. We lived at different addresses so I myself never received anything saying my account was overdrawn. I guess they charged it off. In XXXX citizens bank advertised to me a XXXX $ bonus offer for opening accounts. I opened them and in XXXX they took out over XXXX XXXX dollars out of my account. Now on XX/XX/22 they took out XXXX dollars out of my account. They never issued me a single notice. I never knew i had a chargeoff otherwise I wouldve paid it, or disputed it because it was not my purchases that caused the charge off in the first place or at least set up a payment plan so I can feed my family. I have rent insurance and a student loan all due this week. Gas groceries my daughters gymnastics classes. If I had known about this I would gladly set up a payment plan. We are in a pandemic. My wife lost her job. I am feeding my whole family including my parents and they took my paycheck. 

Very decieving tactics- they inticed me with a XXXX $ offer to open accounts. Made me set up direct deposits with my work into their bank. And took all of my money without notice of taking it or without notice that I had a charge off at all. 

They took my cash on the XXXX of the month. My bills are due. My family is hungry. There is an ongoing pandemic. My wife lost her job. Our family is being affected and all citizens cares about is taking my money without notice to pay a debt that belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Items listed resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc } Please block this information from my credit report. Pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnisher of this information.
Product: Debt collection

I received an email from. A company called TrueAccord see attached email and email address screen shot. it stated I owed a debt from a credit card. I called the number to talk to someone see attached screen shot of phone number called and mistakenly gave my year of birth and last 4 of my social security. I am afraid I was scammed. They told me the debt was not mine and they would take me off the list.
Product: Credit reporting or other personal consumer reports

I discovered some mistakes in my credit report, showing late payments that do not match my payment record. I would appreciate it if you could resolve these errors and update my account information.
Product: Money transfer, virtual currency, or money service

" Wise '', the international transfer company, is withholding over XXXX of my money after closing my account with zero explanation. 

Over the last 3 weeks ( XX/XX/XXXX ) I transferred over {$80000.00} into a " Wise '' account in increments for the purpose of placing a deposit on an apartment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They froze the account after I attempted to send XXXX in rent to an account in XXXX. 

I converted this money to XXXX and managed to send XXXX to my own account in XXXX. They instantly closed my account without reason after I made that transfer. 

The company, " Wise '', has closed my account instantly after freezing the funds in my account for the last two days. 
They have given me the option to " appeal '' the closure and get back my XXXX. 

They initially claimed that they were ensuring that the money I have deposited is from a reputable legal source, but I have now had many emails back and forth where I have provided the following documents and submitted everything they ask for, including : - XXXX tax returns - bank statements from the past 3 months - a paystub from my company to my personal account These are the things that they have asked for and that I have accurately provided to them. 

They have responded by asking for the same documents over and over again, claiming that the documents I have already provided are somehow inaccurate, which is complete nonsense. 
I have shown them every possible way to verify my identity and the source of my income- I am self employed and run my own successful yoga school business, yet they keep asking me for an employment contract ( which I don't have, being self employed ). 

They have made it impossible to contact them, they have provided no email address or phone number, if you try to respond to their emails you are met with an automated response stating that no-one will read your reply. They request that you go to their chat on their application, however it doesn't work, the message is always that they are extremely busy and that the chat has been disabled. The phone number I managed to find goes to voicemail instantly. 

Basically, they have effectively stolen XXXX from me and are holding it against my will. 

This money was meant to go to a downpayment for an apartment and now this purchase will be in jeopardy because they are unjustly and I believe illegally holding my money. 

Now, as I write this complaint, they have closed my account without reason or explanation and are currently withholding XXXX from me. I need my money sent to me as soon as possible as I need to put a downpayment on a mortgage. 

I need this situation resolved immediately. 

I recommend that no-one use Wise to transfer or hold any sum of currency, they are not to be trusted and their service is despicable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

Affirm processed the Loan for {$390.00} - The loan should have been for {$310.00} Affirm needs to adjust the loan for {$79.00}. My XXXX order total to {$310.00} Attach is my XXXX Final Details for Order # XXXX My e-mails with Affirm The Affirm loam agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information is being reported as delinquent, when I paid it off years ago.
Product: Mortgage

My name is XXXX and i have had nothing but issues with newrez. My father passed away 1 year ago and I am the sole executor to his estate. I have been trying to get this account attached to my name for almost a year now. Everything has gone through probate. I have been sending and resubmitting all of the correct documents, death certificate, will, all documents from the attorneys and everything they ask for over and over for the past several months. I have been paying the mortgage loan for the past year and they have very happily been taking my money. These incompetent people can not seem to do thier job with every excuse under the sun. Between phone calls and numerous emails they still cant seem to do thier job. One person says im not authorized to talk to them even though they see im listed as the executor... the next person will say they dont have the proper documentation or the next person will say thats not their department. Everyone there has had an excuse of some sort. Today i talked to XXXX XXXX who when i called them said she was trying to collect a debt... so i asked for a supervisor and got XXXX XXXX. Who said there was nothing she could do for me so i asked for the next supervisor and just got a voicemail for XXXX XXXX? For the better part of a year i have been paying this loan and have also been paying a homeowners policy separately since they would not attach it to the loan but they have been happily charging me. A " hazard insurance fee '' so i definitely expect a full refund on that as well since i have all the documentation for the last year proving ive paid that separately and that these incompetent people were just too lazy to do thier job and address the account.
Product: Debt collection

Get daily recorded messages stating " Hi this is XXXX XXXX calling from Gen. Revenue Corporation. Please call me or any of our representatives at XXXX ''. I have contacted them numerous times and advised that this is a law office and the person they are trying to contact ( XXXX XXXX ) is neither an employee or a client of this office and to please stop calling. They have repeatedly advised that this number has been removed from their list, yet I continue to get daily phone calls.
Product: Credit card or prepaid card

This is in continuation of the complaint filed on XX/XX/2019. 

Complaint XXXX We have not received any response to date. 
On the contrary Capital One has resorted to harassment, insult, extortion and intimidation. Please see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Over the last XXXX months I have requested from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to validate a debt / charge off which appeared on my TransUnion credit report ( Account # XXXX, this account does not appear on any other credit agency reports ). My most recent certified letter is attached along with proof that they received the letter sent XX/XX/2023. I have never lived in XXXXXXXX XXXX and the XXXX of XXXX XXXX has never responded to my written and documented request for answers on this account. I have contacted them on the telephone several times and they have told me that because they are a utility company, they do not have to respond to requests such as mine and that I have no rights to request validation of this debt nor information on the account since they do not answer to the FCRA or the CFPB. I have contacted TransUnion regarding this matter as evidence from the attached letter ( XXXX account highlighted in yellow ) to them and have never received any response. I have also included my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls XXXX XXXX XXXX XXXX, WI XXXX. I have disputed this item with kohls for the past 6 years. They charged this account off XX/XX/2015 with a balance of XXXX. Everything month they a reporting It as a charge off and to my knowledge c/o accounts should have no active payment reporting. I have Requested for this to be stop but they have denied. This has/ is negatively impacting my credit and Im requesting deletion of this trade line from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX trans union and XXXX still have not fixed the issues on my credit report my score was XXXX before they reported multiple inaccuracies on my report I have excellent payment history and I also have verification to prove they are not reporting accurate info this goes against Fcra guidelines and needs fixed XXXX XXXX is fraud needs deleted and removed from report XXXX XXXXXXXX payment history is on time and never missed Student loans are fraud and not mine needs deleted and removed form report ( Student loans have been on there over 7 years anyway ) have them remove it it goes against fcra guidelines XXXX is paid off account was never late once that is inaccurate Credit strong is excellent payment XXXX is excellent payment And they did not report my account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX is not being reported which is an account I had for years ) I am a XXXX individual I do not appreciate the credit bureaus for how they have attacked me for the last year and I would appreciate if you also will help fix this situation I will be in touch with XXXX XXXX on this matter because what the credit bureaus have done is discriminatory and Im tired of being attacked
Product: Vehicle loan or lease

I took out a car loan in XX/XX/XXXX, the car broke down in XX/XX/XXXX, and I couldn't afford to fix the mechanical and electrical issues and continue payments, especially considering I had already paid XXXX $ and still owed XXXX $ on a car that I was XXXX into buying and the value of which was around XXXX $ total. I called the finance company and asked to do a voluntary surrender, as the vehicle was broke down on XXXX XXXX, I told them they had XXXX hrs to pick it up before it would be towed. They said they would get it and didn't. Then the XXXX XXXX XXXX towed it. I then called the finance company again to be told they would just get it from the tow yard and after they sold it they would notify me of the remaining balance. They never did. Fast forward to today, I was talking to my bank and was notified that the account is now in collections. I called the finance company and they said they never picked it up because of the fees associated and I still owe the full XXXX $ that they have since charged off. So they are trying to force me to pay for a vehicle I already surrendered that they never picked up and I can no longer even have access to.