23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Re : Allied International Credit Corp, Reference : XXXX of {$130.00} XXXX listed pawpaw dormant seedlings on XXXX with XXXX ID XXXX which was marked 'no return for plant seedlings. ' A buyer ID XXXX purchased the plants at {$130.00} excluding taxes with order number XXXX. The order was placed on XX/XX/XXXX. He received the plants on XX/XX/XXXX and claimed they were dead and wanted to return. I told him the seedlings were not dead, just dormant. XXXX notified me on XX/XX/XXXX that the fund was on hold due to dispute, then on XX/XX/XXXX XXXX issued the refund. The buyer returned the seedlings wrapped in wet paper tower and did not secure the plants in the package. The seedlings returned with lots of mold and damaged during the shipping. I disputed the return and on XX/XX/XXXX XXXX from XXXX XXXX XXXX reviewed the photos and emails and concluded After a thorough investigation that your buyer has a fraudulent return. 
From this sell, I expected to get {$130.00} from XXXX. Instead, XXXX wrongfully charged me to pay XXXX for {$130.00}. I never got any payment from the buyer which XXXX held the fund then refunded it to the buyer. It was totally wrong to charge me at {$130.00}. 
I contacted XXXX multiple times via emails, chats, and phone calls to solve the problem but it was not resolved. XXXX admitted We just refunded the buyer once and that was their payment that was on hold when a claim was opened. XXXX did not remove the wrongful charge of {$130.00} from my account. XXXX started debt collection on XX/XX/XXXX through Allied International Credit Corp ( Ref : XXXX ). I disputed the debt on XX/XX/XXXX according to the instructions. I didnt hear back from them up to day. On XX/XX/XXXX I got a call from the collector demanding to pay {$130.00}. I explained to the collector that I disputed the debt but not listening. It was clear they never looked into the dispute but requested me to pay the debt which I did not owe. 
I was wrongfully charge for {$130.00}. As the seller, I should get the payment of {$130.00} instead. 
I also researched at community.ebay.com and found similar situations to my case. I was convinced that XXXX established such wrongful practice and business culture to its customers. The XXXX User Agreement prevented its users to file court cases and class cases. Their internal appeal and dispute process was fraudulent and failed systematically and purposely to take advantages of its customers. 
I was wrongfully charged for {$130.00}. I felt I have to yield to the corporate power to pay the amount even it was not my debt. 
I wish CFPB could review the XXXX User Agreement/18. Legal Disputes for regulatory compliance. I wish CFPB could take actions to protect the consumers financial rights on XXXX. It is wrong for a costumer to pay the debt who does not owe. 
I attached a few documents for additional information. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX. Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting XXXX XXXX XXXXXXXX who reported the initial credit card charges and delinquency. I spoke to 8 different people in 8 different departments, no one seemed to be able to help me resolve this. 
I believe someone used my ss # to obtain this credit card and then never paid it. 
I just want this removed from my report. I never open this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RAN MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal date XXXX XXXX Additional details Business type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Pl XXXX XXXX, Ohio XXXX DATE OF BIRTH : XX/XX/XXXX Last XXXX SSN : XXXX Account : XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date : XX/XX/XXXX Dispute of Inaccurate Information on Credit Report Dear CFPB, This letter is to formally dispute inaccurate information on my credit report. I am writing to request your assistance under the following laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( b ) ( XXXX ) : This law guarantees my right to a report that is accurate and up-to-date. FCRA, XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) : This law allows me to dispute any information in my credit report that I believe is inaccurate or incomplete. FCRA, XXXX CFR XXXX ( d ) : This law requires the credit reporting agencies ( CRAs ) to investigate my dispute and respond within 30 days. Fair and Accurate Credit Transactions Act ( FACTA ), XXXX XXXX. XXXX ( a ) : This law prohibits credit reporting agencies from furnishing inaccurate or misleading information. XXXX has deleted this account from my credit profile due to inaccuracies. XXXX and Equifax continue to violate my rights by continuing to report inaccuracies which has tanked my credit score and caused massive stress! I request that the CFPB investigate this matter and instruct the credit reporting agencies to delete this account from my credit report. I have attached the following documentation to support my claim : I understand that the credit reporting agencies have 30 days to investigate my dispute. I request that you keep me informed of the status of my dispute and provide me with a copy of the investigation results. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Employers : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Checking or savings account

I was attempting to withdraw money out of my Square bank account at a XXXX XXXX XXXXXXXX atm on XX/XX/XXXX. I wasnt sure of what my daily cash withdraw limit was, so I tried pulling the full {$1000.00} out which is what I needed. It did not let me, so I tried {$500.00} and was still not able to which led me to try {$300.00} but still no luck. I ended up trying another atm across the street with no luck still. The next day ( XX/XX/XXXX ) I checked my email and saw I received an email saying my card wasnt working because of suspicion of fraud. I also check my account and saw there was an atm withdraw of - {$1000.00} which was not me. I immediately filed a dispute and called to confirm that it went through on the app. I talked to someone and they told me it was being processed but I also asked what my cash limit was to withdraw and the told me it was {$300.00}. I asked them to see if they can put that as a note for the investigation team to show that it would be impossible for me to pull that much out at once, they agreed and put a bit. About two weeks later I received an email saying they could not credit my account due to me having my physical card with me at all times. They told me I needed to reach out to the seller which I have no information about. The transaction only shows a street name and nothing else. Ive talked to them at least a dozen times since then trying to have them look back into it and eventually they just never replied back.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
INQUIRY INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX INQUIRY INCLUDED IN DISPUTE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Last year XXXX  cashapp stole XXXXXXXX XXXX from my acc and did not want to process my refund and I had no way to contact or speak with a agent
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent {$300.00} to a person named XXXX XXXX for some concert tickets. Shortly after sending the money I asked this person about the tickets and never got a response. I followed up multiple times and was unable to get a response. This person is scamming a lot of people ( I have been in contact with at least one other person who are in the same boat ) and they are using XXXX and other XXXX apps to accomplish this. I have contacted Wells Fargo on multiple occasions and they are unwilling to help. They will not refund the money or provide the receiving banking institution 's name. The scammer is using the name XXXX XXXX, phone XXXX, email XXXX Wells Fargo XXXX Transaction Date XX/XX/2019 From account XXXXXXXXXXXXX Amount {$300.00} Fee {$0.00} Confirmation code XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Chase bank informed me that my checking account ending in XXXX was temporarily frozen due to suspicious activities and asked me to call them. I called them immediately and found out that my account was hacked into and XXXX wire transactions of {$2800.00}, total of {$14000.00}, was sent to people I don't know. Chase bank helped me file CLAIMS and RECALLS on those fraudulent transactions on the same day. 

During the call, Chase asked me to change my email passwords and account log-in credentials, and I did. 

Also, I was told by Chase 's claim team that they will send me a reclaim packet to fill out and asked me to sent back once I completed. 

Later when I checked the emails ( XXXX ) to see if any more damages were done, I confirmed that my email account was also compromised as I found those notification emails of Wire Transactions from the TRASH folders, which was not done by me. 

Few days later, around XX/XX/XXXX, I checked my business account ending in XXXX, and found out that similar things happened on this account : XXXX unauthorized wire transaction, total of {$10000.00}, was sent to the people I don't know. 

And the recipient bank of those transactions were the same as my personal checking account. 

Not only that, the amounts being fraudulently wired were the same between XXXX accounts- {$2800.00}. 

When I checked the fraudulent transaction date on this account XXXX, the fraudulent wire was sent on XXXX XXXX day before I was notified by Chase regarding the fraudulent transaction of account XXXX. 

The net day, XX/XX/XXXX, I went to a Chase Bank XXXX in XXXX, ID to file the claim. 

On XX/XX/XXXX, I noticed that Chase refunded the {$10000.00} to my business account ending in XXXX. 

Then on XX/XX/XXXX, I received Chase 's " claim packet '', and I filled the packed by describing the incident on account XXXX and sent back, assuming this packet is for my claim that I filed on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase and asked the progress of claim regarding the account XXXX for amount of {$14000.00}, and I was told it's still being reviewed. 

On XX/XX/XXXX, I called Chase again but this time I was told that my claim regarding the account XXXX for amount of {$14000.00} was rejected way back to XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase again to ask for explanation of the rejection of claim regarding the account XXXX for amount of {$14000.00} as the claim for account XXXX was refunded, and I was told that claim of XXXX was associated with the " RECALLS '' so the back office rejected it XXXX day after I file the claim. 

on XX/XX/XXXX, I requested the Chase XXXX XXXX to reopen my case as all these information pointed to that the fraudulent transactions were all conducted by the same group of people- the time range, the amount, the receiving banks are all the same for XXXX accounts- but I was told that the decision they made on XX/XX/XXXX was the final and they won't reopen my claim for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the three credit bureaus ( XXXX, Equifax, and XXXX ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX  children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau 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 disputes outcomes. These failures align with my experience, 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 inaction violates federal law and my rights as a consumer
Product: Checking or savings account

Opened a savings account with Citizens Access bank, deposited my check from my NJ rentals and just next day, account got restricted, i have called over XXXX times and they have no information, it's been over 2 months now they ; re holding on to my funds over {$7000.00}
Product: Student loan

Mohela sent me a message saying Ive been placed on forbearance based on my request. I made no such request. I waited THREE hours on hold to get in touch with someone, who was a new trainee who couldn't help me, so I waited for someone to get on the line. They told me my loans were placed in forbearance because of my Borrwers Defense ( BD ) application and that was the information provided by XXXX. My BD application preexisted my transfer to Mohela, I selected no on my BD application to being place in forbearance, I was NEVER on forbearance on XXXX and nor this entire time with Mohlea. They tell me I have to go the BD hotline and they can't remove the forbearance, despite the letter telling me I could call this number and opt out. 

It takes three more calls before I get someone who knows what they are doing and was asked if I wanted to opt out of forbearance. As of this date, I was placed BACK on forbearance again and it's been a nightmare trying to get off something I didn't even request. They keep telling me they are working on it, it'll be done soon, someone didn't put it in the system, etc. This seems deliberate in order to mess people up on payments or mess with their student loan forgiveness counts. Which have taken more than two months to process. Payments are starting in less than 5 days and I don't know when to pay, how to pay, or even if they will count for me. If this screws up my Public Loan Forgiveness, I will contact attorney This is causing me mental anguish.. Mohela is causing me unnecessary stress by giving false information and completely screwing up PSLF. I want to be taken off forebearance before payments restart. I want Mohela to do its job correctly. This is disgusting and scammy behavior by Mohela and Im sure this is happening to other people and causing needless stress and panic..
Product: Student loan

Called multiple times since my loans became due-more th an 20 times to get forms to have my loans discharged beca use I am  XXXX  and have been for a long time. Nobody sent me paperwork via email or through  US Mail  and my loans are still showing due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to reach out to the Navient in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from Navient in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and Navient took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under Navient they fall under XXXX XXXX and should be removed. How can Navient Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Checking or savings account

On XXXX XXXX I notice the XX/XX/XXXX payment had been made with the account having + {$1000.00} increase. With the {$130.00} of available balance .everything on the XXXX of XXXX or prior to has now been processed out of XX/XX/XXXX XXXX payment. This payment showed to be less then prior amount. Calling the bank I was advised XXXX only sent {$1000.00} instead of {$1100.00}. Approximately 5 hrs later upon checking I noticed the amount had been alter from previous amounts. From XXXX to {$1100.00} but my balance never increased to the change. Last month I find it to be usual for My XXXX amount deposited on Sunday XXXX XXXX.
Product: Mortgage

I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My company called XXXX XXXX, sent me an email saying that someone was trying to open an account in my name. The company is called XXXX XXXX, XXXX, the credit company that reported it was Experian. I have never heard of this company. They told me to file a complaint with XXXX XXXX XXXXXXXX. This is what I am doing. I will then look for the number 1 Identity theft protection plan.