23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased some items from XXXX online and use Klarna. I received the item, but had to return it because the size was incorrect. I provided Klarna with the receipt, provided them with proof from XXXX that it was returned, yet they continue to taking money from my account with out permission for this " debt ''. They took the money from my account 15 times since XXXX of 2023. I ended up disputing it with my bank, yet Klarna continues to attempt to collect this debt. Now they have hired a debt collection agency to collect a debt that doesn't exist. Despite me having proof of return. I have attached a copy of the return receipt and the email exchange between myself and their despite department where I provide the proof, yet they reactivate the need for payment anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed a car loan was taken out in my name from XXXX XXXX XXXX. I have never done business with XXXX or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XX/XX/XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the XXXX Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm desperate and looking to you to help as the only consumer advocate I 've got!! 
Tried to get access online to my credit reports though XXXX also by phone. 
I provided all the information that was requested to all 3 agencies. 

Online : the response today Mon. XXXX XXXX at approx. XXXX all 3 reporting agencies were unable to compete my request for my credit reports. 

By Phone : Request could not be completed. 

TransUnion : Unfortunately your request can not be fulfilled online at this time, based on the data provided. TransUnion XXXX : Error Information Http Status 400 Group 11 XXXX : We are not able to deliver your free XXXX annual credit report online. 

I then proceeded to call : The automated system could not deal with my XXXX accent..the message I left was repeated back to me did not hear my name correctly..the automated system would not let me finish and kept speaking over my answers to the questions. 
Surely using the phone alpha. and numeric system would overcome the above problem.
No Live persons were involved. 
XXXX
Product: Debt collection

PDQ has put a bill on my credit for {$410.00} dollars for an unpaid medical bill in my name. I have no idea what this bill is and when I called them they have no record of my name DOB, social security, number or address in their database yet they are reporting that I owe them.
Product: Mortgage

After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to Carrington ( owner of the loan is HUD ). We then had to start the process all over again.

HUD recently denied us stating we are 40 months past due so they wont review our short sale. Carrington did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXXFHA case # XXXX. This is the contact information we had and spoke to several reps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CRA, Equifax Information Services has violated my rights by reporting fraudulent inquiries after my dispute process, and not providing documentary evidence validating ownership of transaction to me as the consumer. This is my second time explaining to Equifax and its referenced creditors that my personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized/fraudulent inquiries. Ive attached a police report pertaining to the incident. Please immediately remove all fraudulent inquiries I have listed below, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.

In accordance with the FCRA if the investigation results are verifiable I request the documentary evidence that lead to it being verified to be mailed to the address on file, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Debt collection

On XX/XX/19 at XXXX. Weltman, Weinberg, & Reis called my workplace from phone # XXXX. I just happened to be the person answering the phone AT MY WORKPLACE. They asked to speak to XXXX XXXX. I asked, may I ask who is calling & she said " This is XXXX with Weltman, Weinberg, & Reis " I hung up & felt harassed because they are attempting to contact a debt that i have with XXXX XXXX XXXX XXXX.
Product: Checking or savings account

In the First Complaint US Bank Only completed HALF of the Complaint And CFPB Closed the Complaint ( XXXX ) NOW for the Second time : US BANK Cashed a forge Check XXXX XXXX XXXX {$870.00} ( attached with Affidavit ) ALL Documents have been Sent more than XXXX Times Now . This is the check US Bank called me on that started this XX/XX/2023 the check was made out to US Bank for a XXXX  Payment of which I am owned a XXXX XXXX  Late fee had to Pay also. The amount was removed from MY Account but NOT to the XXXX. Deposited to someone else US Bank Account and NOT to the payee of check intended For. US Bank is NOT Customer Friendly!! they have Held on to MY Money for XXXX  Months now. ReQuest money to be Returned. US Bank has a Great Customer Service, They are SORRY for Everything. BUT, They don't get Anything DONE.
Product: Credit reporting or other personal consumer reports

Information belongs to my XXXX brother I have disputed the accounts multiple times and just keep get factual data
Product: Money transfer, virtual currency, or money service

Money have just been leaving my cash app account without my authorization. I had XXXX sitting on my cash app {$5100.00} was taken from my account because when I goes to check the account this morning its only {$4800.00} left. Cash app do not tell me where my money went to or nothing I have tried to reach out to customer service but they have not return my funds and they wont let me order a new card to take the remaining of my funds out the account. Can you all please get my funds back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has repeatedly violated my rights .... 


FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS .... 

CFPB Complaint # XXXX & XXXX & XXXX Next step is hiring a lawyer My initial dispute was dated XX/XX/XXXX was a inquiry dispute! 

Disputing fraudulent inquiries in my name. 

-TransUnion REFUSED to do an INVESTIGATION which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed complaints with the CFPB ... ... TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4. 

The following inquiries are unauthorized and not initiated by me : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX  Inquiry Date : XX/XX/XXXX I started the inquiry process in XXXX of XXXX it is now almost XXXX of XXXX and they never started the investigation never I can guarantee that TransUnion is going to leave some generic XXXX statement and never do it again so I see I'll have to see them in court thank you cfpb for documenting all my evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with TransUnion, XXXX and XXXX  on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.
Product: Debt collection

GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.
Product: Student loan

First Tech credit union received a pay-off check in late XXXX or early XXXX of XXXX. They returned this check to my new lender and did not inform me that this occured. When I contacted them for an explanation on XX/XX/XXXX, they provided an address in XXXX where the check should be sent and told me they had no record of the check. I confirmed with my new lender that they sent the check with the correct account information to that address. 

Now, they're saying that the address for payoffs is in California and refuse to stop demanding payment despite declining my payoff. Further, the customer service representative I spoke to on XX/XX/XXXX confirmed that their procedure is to forward payoff checks to the appropriate address when received in XXXX, not return them. My new lender shared in a call on the same day that First Tech confirmed the XXXX address as the appropriate address to send payment. 

Throughout this time, I have made payments to bother lenders. First Tech has refused to accept a stop to payments despite having declined my payoff.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Compensation of {$7000.00} for Noncompliance with 15 U.S. Code 1681n Dear Credit Reporting Agencys, I am writing to demand compensation of {$7000.00} for the erroneous reporting of the following fraudulent accounts, which have since been removed from my credit file : XXXX. XXXX  XXXX. XXXX XXXX XXXX  ( Account : XXXX, Balance : {$6800.00} ) XXXX. XXXX XXXX XXXX  ( Account : XXXX, Balance : {$35000.00} ) XXXX. XXXX XXXX XXXX ( Account : XXXX ) XXXX. XXXX ( Balance : {$7600.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The removal of these accounts confirms the validity of my claim that they were reported inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681n, I am entitled to : XXXX. Statutory damages of no less than {$1000.00} per violation. With XXXX accounts improperly reported, the total is {$7000.00}. 
XXXX. Punitive damages, as determined by the court, for willful noncompliance. 

These accounts caused harm to my financial well-being, emotional health, and reputation, including the denial of financial opportunities and unnecessary effort in resolving these inaccuracies. 

To resolve this matter, I demand a check for {$7000.00} be sent to : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I expect your response and payment within XXXX  days of receipt of this letter. If you fail to comply, I will have no choice but to pursue legal action to enforce my rights under the FCRA, including seeking additional damages and attorneys fees. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute for a collection account with XXXX, XXXX original creditor sprint that has been deleted from my credit report due to fraud when it showed on my credit report from another collection agency back in XXXX of XXXX. This item has reappeared on my credit report as if the debt has been sold.Which in fact should have been blocked after being verified that this has been a fraudulent account. I have reached out to the collection agency for debt validation received no response submitted a dispute for the following account & I just got a computerized response as validated from Experian as accurate when in no way this account was validated just XXXX  days after me submitting a dispute. My dispute date was XX/XX/XXXX dispute results XX/XX/XXXX. No way this has been verified in XXXX day. I ask this account be removed from my account and blocked as I will be filing suit with my local courthouse.
Product: Checking or savings account

I deposited a company check on   XXXX   XXXX   XXXX     and was told they were holding  XXXX  dollars until   XXXX   XXXX   XXXX     I need that money to pay bills with ..Is that even legal? I bank with  Wells Fargo ..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$470.00}
Product: Debt collection

MOHELA is responsible for my loans and I contacted them when the XXXX XXXX  was announced. I asked specifically if I would need to do anything to have my loans recalculated since I was on the REPAYE-Alternative plan. They told me no that I would automatically be enrolled in it, no action needed. 

Their website says no action needed on their banner about the XXXX XXXX. 

It took me talking to XXXX separate people last night to be told the Alternative meant that at some point I missed recertifying for the plan. Probably pre-COVID. They could verify when even though supposedly they were supposed to have all my documentation from XXXX. 

Nowhere on the site does it mention needing to recertify. They could have easily sent documentation about needing to recertify instead of charging me {$190.00} instead of the {$53.00} my bill would be under XXXX. They're charging me almost quadruple what I should be charged. 

They say that they'll fix it going forward if my application is approved, but that's not good enough. They need to fix the prior months. I shouldn't be penalized for MOHELA 's predatory practices.
Product: Credit card or prepaid card

AfterseveralincidenceswithCapitalOnethatseemedshady,IdecidedtopayoffallXXXXofmyCapitalOnecards.Isentthepayoffbycertifiedmail.ThepaymentsfollowedwhatIthoughtwasthelawregardingsendingpaymentsbyduedates.TheXXXXofXXXX,2019wasmypaymentdate.WhichwasaXXXX.IsignedonthatMonday,theXXXXtoclosetheXXXXCapitalOneaccounts.ItwasthenInoticedlatefeeswheninthereshouldbeazerobalanceonallXXXXaccounts.IclosedmyaccountsandcalledCapitalOne.
Imadecontactwiththemandinquiredaboutthelatefeescharged.IinformedtheCapitalOnethatIsentthepaymentscertifiedandsincethepaymentdatewasSaturdayIshouldbe,bylaw,allowedthenextbusinessdayformypaymenttobereceived.CapitalOneinformedmetheyholdchecksXXXXdaysbeforepaymentisappliedtoaccount.Iasked,thereforeyouwillnotremovethelatefees.Theyinformedmemypaymentwaslateandtherewasnothingtheycoulddo.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX, XXXX and Self-Financial INC/ LEAD detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is from a fraudulent address. Please remove
Product: Credit card or prepaid card

I made two purchases with the {$500.00} prepaid Visa Vanilla Gift Card XXXX XXXX XXXX XXXX One on XX/XX/19 for {$87.00} and another on XX/XX/19 for {$55.00} Then on XX/XX/19 and XX/XX/19, someone charged {$350.00} over 8 separate online purchases. This card is not supposed to even be able to work online without registering it first. These purchases to XXXX XXXX online and XXXX are fraud. I contacted Vanilla Visa Gift  Cards by phone and made my claim in XXXX. They asked for some information and started a case dispute. I sent them the information I had and was told it could take a week for a response. I never heard back. I sent numerous inquiries and rarely heard back and when I did they asked for the initial information that I've already provided on more than one occasion. Clearly they are giving me the runaround and are fraudulent themselves.
Product: Bank account or service

I write this to call your attention to the manner in which your representatives at the branch in XXXX, NJ have chosen to do business which is absolutely deplorable! To attempt to earn inter company marketing and sales credits by opening and closing accounts and manipulating them is both ethically atrocious and against state and federal banking regulations. This is now the THIRD time in the past few years that people from this bank have XXXX with my accounts to my detriment. I am enclosing email correspondence between myself and your representatives that will be self explanatory once reviewed. 

Very briefly the story goes like this : On XXXX XXXX, 2015 I received a phone call from the Manager, XXXX XXXX XXXX offering to increase the interest rate on my savings account. I related my bad history of dealing with the people at this branch who XXXX my accounts in the past when I moved a large sum of money to Well Fargo and that I had to go back to the bank and do it all over after the bank rep who did this was fired. I did not want to go through this again. I then received a phone call XXXX that a line of credit was being processed and that my checking account would have to be closed and another XXXX opened at which I told him that I will not agree to any of this until I see the terms of the LOC in writing and agree to them. Next thing I know I receive an email confirming my LOC account was established without my knowledge. The following day I receive the terms to that LOC which I did not approve. I immediately sent in WRITING a notice to the XXXX reps that I did not agree to these terms and that they opened an account in my name without my permission, and they are to close that account immediately as they had acted improperly. This all fell on deaf ears, and yesterday I received a bill for the annual fee {$25.00} for this LOC.
Product: Debt collection

Ive disputed this 4 times. I also have a fraud alert on my information they refuse to remove this off my credit.