23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is attempting to collect an erroneous debt on behalf of Galaxy International Purchasing , LLC with The XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that Galaxy International Purchasing , LLC was not my creditor and that no debt was owed to Galaxy International Purchasing , LLC. Additionally, Galaxy International Purchasing , LLC was removed from my credit reports. XXXX XXXX XXXX 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with The XXXX XXXX XXXXi and the balance amount owed of {$1600.00}. Wherefore, Galaxy International Purchasing , LLC  is not my creditor and no debt is owed to Galaxy International Purchasing , LLC. I had no prior lender relationship for the account ending in XXXX with The XXXX XXXX XXXX
Product: Debt collection

I called in today in regards to garnished wages. They had not attempted to contact me at all since XXXX of this year. 

I called at XXXX on XX/XX/XXXX in an attempt to figure out what was going on and why this happened without any notification prior. The man on the phone was talking down to me and so I made a comment on how I get parts of his job XXXX be XXXX but I get it and XXXX just trying to get information. When he got XXXX, I asked to speak to a XXXX and he said yeah okay, go do ya and when I asked him what he said, he said oh I said Ill get a XXXX. 

When I spoke to the XXXX and told him his employee basically told me to XXXX myself, he said no he didnt and immediately got XXXX  and XXXX  with me. He chose to talk down to me again stating that he told me do ya. When I confronted the meaning he continued being XXXX  until we changed subjects. 

This company is incredibly XXXX. They have XXXX  me with legal action, they have threaten to garnish my wages, they lied to me about what would happen if I did not show up at judgement. 

This is a bad and negligible company who did not even attempt communication with me until they wanted to garnish my wages. I didnt even know who they were until judgement.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting

Equifax is listing my credit score XXXX and they say it is due to overdue payments. The other XXXX credit score agencys have me in the top XXXX. I do not have any overdue payments on any of my accounts.
Product: Debt collection

I am filing a formal dispute regarding multiple AMEX accounts on my credit report. Despite repeated requests for validation of the debts under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), AMEX has not provided the following : A purchase agreement verifying the debts. 
Documentation showing how balances, interest rates, and past-due amounts were calculated. 
Proof of ownership or authorization for reporting this information. 
Below are the disputed accounts and their reported statuses : Account XXXX : Closed on XX/XX/year>, balance {$3600.00}, past due {$600.00}. 
Account XXXX : Closed on XX/XX/year>, balance {$3500.00}, past due {$550.00}. 
Account XXXX : Closed on XX/XX/year>, balance {$1700.00}, monthly payment {$110.00}, past due {$140.00}. 
Under the FCRA, I have the right to dispute inaccurate or unverifiable information. AMEXs refusal to provide the requested documentation violates my rights, and the accounts should be removed from my credit report due to : Failure to verify the debts. 
Reporting incomplete or inaccurate information. 
I respectfully request the removal of these accounts from my credit report. If AMEX can not provide verification, this data must be deleted under 15 U.S.C. 1681i. 

Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( Experian, XXXX, XXXX ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX   Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File ID:XXXX Creditor : XXXX XXXX   Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Product: Money transfer, virtual currency, or money service

I am buying a house and called on XX/XX/XXXX to verify that I would be able to wire transfer funds over the phone from my savings account for closing. I spoke with XXXX separate customer service reps ( XXXX from the wires department ) who verified that this wouldnt be an issue. We specifically discussed the time sensitive nature of the transaction and my inability to visit a branch since I live in WA state and they do not have any branches. 

Today, on XX/XX/XXXX they are refusing to guarantee the funds will go out before the end of the day even thought I contacted them before noon to arrange the transfer. I know for a fact they have all of the required documents and that there is a recording of the phone calls where I was told that the transfer wouldnt be an issue. 

I spoke with a manager before the wire cutoff and they refused to wire my money as requested even though there is still time. I feel I have exhausted all possible options for remedy with PNC.
Product: Credit reporting or other personal consumer reports

So Regional Acceptance sent me a letter to delete the debt and i would have to pay the taxes on the debt i signed notarized and sent the paperwork to regional acceptance XXXXXX/XX/XXXX its now XX/XX/XXXX and there has been no response from Regional Acceptance i emailed the proper channel as i was suppose to now this company is dragging there feet and moving slow
Product: Payday loan, title loan, or personal loan

I took out the loan last summer and after multiple missed payments ( their fault ) I decided to pay off the loan and get my credit reserve returned to me. I paid off my loan XX/XX/2021 and was notified I would receive my money by XXXX. That date came and went and still nothing. I contacted support several times and was given the run around every single time. Finally a rep told me that the issue was that my account on file was closed and thats why there was a delay. No one from the company notified me of the issue. I was told in order to receive my money, I would have to open an additional account with them. I did that and was told it would be XXXX calendar days. Its been XXXX weeks since I paid off my loan and Im still without my money. Every phone conversation has been recorded by the company and the rep I spoke to today confirmed that everything I told her was in my account notes. I was told today that the rep has escalated the issue to their special team and I should have my money soon. This is completely unacceptable.
Product: Bank account or service

I received a debit card from Wells Fargo that I did not request. I called customer service. They told me it was probably a mistake and to cut the card. After seeing the news I realized they purposely opened the account without my authorization. I still have the card. It has never been used nor activated. I contacted Wells Fargo 2 days ago but have yet to hear from them.
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Contacted Transunion regarding several inquiries ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) that were on my credit report, those of which I did not sign a contract with these creditors for their service or their products.
Product: Credit card or prepaid card

Vystar Credit Union : I found fraud charges on my credit card. 
I reported it immediately. It has been months since reporting. 
They canceled the card right away and sent me a new one. They took off one charge. 
They put the fraud charge on my new card! 
Now Ive received late charge notices! 
I do owe {$44.00} in legitimate charges. I was advised to make a minimum payment to prevent this going to collections!! So I paid {$37.00} as requested. 
I have to add there has now been a fraud charge on my debit card with the same institution. They have canceled that card. Off to their mysterious FRAUD department. 
I have escalated this as far as I can to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XX/XX/XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX
Product: Credit reporting or other personal consumer reports

I am still getting emails from Experian saying they won't investigate the inaccurate information on my credit report. Every time I send a dispute they send me the same email stating they are not going to investigate because they think my request is suspicious are not from me. This is now the XXXX  time Im getting this email! I have given them my personal information, my address date of birth, social security number and yet they still refuse to investigate. It seems like this is a stall tactic for them to not correct the inaccurate information on my credit report. The CFPB website says they are required to investigate. I know this is a violation of my consumer rights and would like for them to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with complaint # XXXX. I noticed that even after Portfolio Recovery was put on notice via cease and desist they are still communicating with me about an alleged debt via my consumer report. The FDCPA defines the term communication broadly to mean the conveying of information regarding a debt directly or indirectly to any person through any medium '' that includes consumer reports. As I have stated previously I have never contracted with Portfolio Recovery nor have they been able to provide me with a contract in which " I '' the consumer ever had any business transactions or agreement with Portfolio Recovery because there is none. Portfolio Recovery committed identity theft by purchasing my personal identifying information without my consent and then Portfolio Recovery committed aggravated identity theft by using that information to furnish alleged debt to my consumer report without my consent. Parking alleged debt on a consumer report to coerce payment, extort, or intimidate is illegal and is within the legal scope of racketeering and that carries up to 20 years in prison. I've given Portfolio Recovery a chance to cure this matter but they are being willfully non-compliant as well as willfully negligent to my rights as a federally protected consumer. This is the last notice in regards to this matter, a rebuttal is unnecessary and ignorance of the law is no excuse. DELETE the accounts in question from ALL consumer reports upon receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received funds from my friend on Venmo to help with hurricane relief ( my city, XXXX was hit by XXXX XXXX ) and once I received the money, Venmo froze and suspended my account and wont release my money. Ive emailed them a copy of ID for verification. I have called, emailed and chatted XXXX with them. They refuse to unfreeze my account so that I can retrieve the funds. I need help.
Product: Debt collection

XXXX XXXX XXXX  Website for Radius Global Solutions LLC to request information does not work. Their live chat is offline during business hours. No account information provided. Mailed letter only showed name, the telecommunications company that are not even in service in this area ( XXXX XXXX ), and amount owed.
Product: Mortgage

I contacted my mortgage to formally dispute a late payment that was reported to the credit bureaus and negatively impacted my credit score. This late payment is dated for XX/XX/year> and was recorded on my account. 

The late payment resulted from misinformation provided by a representative from Freedom Mortgage, I contacted customer service team to inquire about loss mitigation options due to temporary financial hardship. During that call, I was incorrectly informed that my account would not be reviewed for loss mitigation unless I was 30 days past due on my mortgage payments and they failed to tell me that my credit would be affected in result to going delinquent. 

Relying on this advice, I allowed my payment to become 30 days late, under the belief that it was necessary for the loss mitigation process and no damage to credit. However, I later discovered that this information was incorrect and that missing a payment would be consequential to my credit. 

I take my financial obligations seriously and would never have intentionally allowed a late payment to occur had I been given accurate information. I ask for assistance in reversing this mistake, as it was the result of misinformation provided by Freedom Mortgage.
Product: Credit reporting or other personal consumer reports

Dear Transunion : Im responding to the verified no-change letter you sent me for collection account. 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under

FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS -- 1. XXXX   CARD wi
th ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Capital one bank reported unrecognized hard inquiry on my XXXX  credit report
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS purchased old stale XXXX account, reset the clock to reflect an illegal last date of activity of the original creditor. This account should have been removed by now : STALE. Jefferson purchased the account and changed the last date of activity of original creditor. They also fail to product a legal chain of custody of account ownership from XXXX custodian of records.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

A formal report regarding fraud was submitted to USAA Bank, including comprehensive details. Additionally, a follow-up call was placed within the same week to inform them of incoming calls from individuals who had taken our funds. However, rather than recording the information provided, USAA sent a letter declining to refund our money.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my awareness. I did not receive any notification or correspondence regarding their reappearance.
Product: Checking or savings account

In XXXX I received a check from XXXX XXXX because my aunt passed away and made me a beneficiary on her Ira account .on XX/XX/XXXX I went to wells fargo and opened an account one week later they froze it stating that the funds were fraudulent ... .and they never gave me back the check or the money XXXX XXXX I field a complaint with you guys and they did respond with a letter saying they were going to send me a cashiers check and I'm still waiting .I 've contacted them several times with no luck it's going on 10 years this is ridiculous
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( 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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

There is a fraudulent XXXX charge on my debit card for {$4.00} and it is nearly impossible to reach anyone at Chase 's customer service line. They apparently have used COVID as an excuse to not have anyone working anymore, also it is impossible to reach any local branches by telephone. I do not shop on XXXX and it is distressing to know you can not reach anyone at Chase to help in the event that your debit card has been compromised.