23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Th is debt has not been " VALIDATED '' you did n't give me the opportunity to validate before add ing it to my credit reports. YOU ARE I N VIOLATION OF FCRA and FDCPA laws. Its evident that United Collection Service do n't have proper documentation to collect this invalid debt. You do not have access to files allegedly SIGNED by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from United Collection Service. I have the right to request documentation with my physical signature ; as ide ntity theft is at an all time high. I 've sent a complaint to BBB as well as I 'm in  XXXX  with the tactics of this company and how they 're destroying my credit worthiness. Feel free to respond to this complaint with  '' HIPPA RELEASE '' - Medical records and or Documents signed by me. If United Collection Service have a right to collect, they have a duty to produce legitim ate validation. Until I receive documentation requested ; my HIPPA rights are being viola ted. Producing a statement from some medical facility with diagnosis codes, procedures, a date of birth, and address does not validate this debt as mine. Your acts are damaging and disheartening. THIS IS NOT MY DEBT.. However if this can not be fixed within 5 days I have no choice but to file a HIPAA complaint with  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the company XXXX, didn't take appropriate action on worker that opened up XXXX in my name. I did not agree to buying the phone and left the store with no purchase. I did not pay nor sign for anything and reported this to the manager which no problem has been solved. The item that was fraudulent opened in my name was a XXXX XXXX XXXX I believe valued at around {$1200.00}
Product: Credit card or prepaid card

When filing a chargeback legally the creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. While Chase does send a letter for every chargeback submitted, they are far from letters acknowledging the dispute. Quite often the letters acknowledging the dispute have no information identifying which transaction or dispute they are actually acknowledging. Furthermore, during the course of the investigation, they will send out generic requests for more information without identifying the dispute or charge they are requesting more information on. Thus they are not acknowledging or fully and fairly investigate the disputed charge on my bill. I've attached a few examples I've received.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am XXXX and XXXX  XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX XXXX, XXXX XXXX earlier than I should have. I have XXXX, an XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and am XXXX  XXXX. The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.
Product: Credit card or prepaid card

0n XX/XX/XXXX I purchased airfare in the amount of {$870.00} from XXXX XXXX. I paid my credit card bill in full and the airfare was on that bill. On XX/XX/XXXX, XXXX cancelled my flight. XXXX elected to only credit the outgoing flight which was {$320.00}, on XX/XX/XXXX. They told me they would " issue a credit '' and were not clear that it was only outgoing. I contacted XXXX multiple times asking how I was going to use a return flight when they didn't get me to my destination. Realizing XXXX will be a hassle, I went through the fraudulent purchase process with Barclays and they issued a credit of {$540.00} on XX/XX/XXXX, case # XXXX. ( The difference between {$870.00} and the partial credit XXXX provided. ) On XX/XX/XXXX, XXXX issued the remaining credit. Barclays hit my credit card with {$870.00} in charges ( confirmed in attached letter dated XX/XX/XXXX ) saying I had to return the credit they issued to me. ( Their credit was {$540.00} ) I've contacted Barclays 3 times. Every person I spoke to ( XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX @ XXXX XXXX  ) said I am owed a credit of {$320.00}. The 3 people listed above said they can not issue the credit the " back-office '' department or the " Higher department '' has to issue the credit. They said these departments do not have incoming telephones/telephone numbers and I must wait 1-5 days for them to call me. ( which is why I waited until XX/XX/XXXX and subsequently XX/XX/XXXX to call them back. ) XXXX said he would alert/ escalate and tell hem it is past the time frame. No one has returned my call. Yesterday, XXXX told me to wait another 1-5 days and I advised I would be taking my complaint to you if they did not return my call on XX/XX/XXXX, as I've already waited their 1-5 days, twice. They are looking for me to pay an additional {$320.00} they did not credit to me. Essentially, this is fraud and basic math that a credit card company should have properly automated. 
Every call is at least 30 minutes for the person to research, confirm I'm owed the credit and then tell me I have to wait 1-5 days for resolution, I've done the same thing to resolve this 3 times because they won't let me talk to the " back office/ higher office. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided my information to XXXX they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian two months ago, and they have yet to respond.
Product: Credit reporting or other personal consumer reports

This account does not show any late payments or evidence leading up to the " charged off '' status. This account is also past the XXXX XXXX State Statue of limitation and should be removed and deleted from my credit report based on the reporting dates. Here is the New York state law for reference : 23 N.Y.C.R.R. 1.3 ( b ) and the new Consumer Credit Fairness Act Link : https : //www.dfs.ny.gov/industry_guidance/industry_letters/il20220407_23nycrrpt1_and_ccfa I have disputed this debt in the past ( XX/XX/XXXX ) and received no letter or proof of investigation. Here is the account info Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Unsecured Address : XXXX XXXX XXXX XXXX Number : XXXX Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Debt collection

I just received a response from Professional Credit Analysts. They are refusing to remove a item from my credit file and outwardly being rude to me. I feel a investigation should be done on this company. They Stated that they provided all information I asked on them through PDF files. They did not. Bill of sale or some type of chain of title. I feel I am under no contractual obligation to this company. There is no contract. They need to show me the contract. This company I am very leary of. I really wish for the CFPB to look into this company further.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the Equifax XXXX XXXX, the XXXX XXXX XXXX, and XXXX XXXX Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Product: Checking or savings account

My XXXX XXXX was having issues so I pulled up XXXX technical support on my phone and dialed the number that came up. The ( fraudulent ) technician that came on the phone told me he needed to share my screen in order to fix my issues and verifiymy identity. Since I had phoned XXXX the week before and an ( authentic ) technician Requestedto share my screen to help me fix my issues ( which he did ) I felt The request was legitimate. After being on the phone with the impersonator for almost 2 hours or more I started to ask more questions. He.Immediately ended the call And I proceeded to call that number back to find out that line was not working. I pulled up my bank information to find out {$2800.00} was transferred from my savings account to my checking account and from there {$2000.00} was electronically transferred viaXXXX quick pay to someone named XXXX XXXX And another {$500.00} was transferred out via XXXX XXXX.I immediately phoned chase bank to file a claim and also went into a branch in person Because I was so Paranoid not knowing Who was authentic and who wasnt. I filed a police report with XXXX XXXX police department and faxed all supporting documentation to Chase. They told me it would take 10 days to investigate and after the 10 days my claim was denied. I feel their investigation was lacking depth .. chase could have checked my cell phone records and found the number I called on XX/XX/XXXX at XXXX oclock ... and there was also the name of who my money was transferred to .. They indicated to me that they did not believe me. I need that money back because I need to pay for my XXXX.
Product: Student loan

My lXXXX school loan was serviced by ACS for four years and the website now directs me to login to Conduent, the new servicer. On XX/XX/XXXX, I received an email from ACS/ Conduent, which I attached below, indicating there would be no changes in how I login or make payments. However, I have been unable to login for weeks. The " new '' Conduent website recognizes my username and password but has been giving me an error message that the " service [ I ] just requested is unavailable '' so I am unable to login and make a payment on time. While Conduent seems to recognize my account ( because it recognizes my username and password AND when I tried to make a new account to see if that was the problem, it said my account already existed ), it also does not recognize my social security number and claims there is no account associated with that number. 
Conduent purchased my loan and is not allowing me to make a payment at all, let alone on time. I can not email them a question because it requires an account number, which they do not recognize, and I have been unable to reach an actual person on the phone ever since I first tried on XX/XX/XXXX and have called everyday since ( now XX/XX/XXXX ). 
I have seen numerous recent complaints about this online with people having the exact same problem.
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 proce 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX correct address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm my credit report proper date of birth : XX/XX/XXXX
Product: Checking or savings account

REGARDING THE COMPLAINTS I JUST FILED XXXX ENDING XXXX AND THE XXXX MOST CURRENT XXXX XXXX. I FOUND LETTERS FROM BANK XXXX DATED XXXX/XXXX/XXXX STATING THAT THESE ACCOUNTS WERE FRAUDELENT ON CARD ENDING ON XXXX I AM ATTACHING THEM AND I NEVER RECIEVED ANYTHIG AND THAT IS FURTHER PROOF OF WHAT HAS TAKEN PLACE BY THE BANK AND THEY NEVER MENTION NONE OF THAT AT ALL AND TRIED TO COMMIT FRAUD. I EMAILED THE CORPORATE PRESIDENT. I HAVE EVEN FURTHER PROOF OF THE LIES THAT HAVE TAKEN PLACE. I EVEN FILE POLICE REPORTS AS WELL AS FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. WELLS FARGO XXXX XXXX  Inquiry : XXXX XXXX, XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Debt collection

I got a unsecured loan from one main financial. After a month or so they kept offering newer loans and giving me ways to lower or keep same payment but get more money. Then I got in a financial bind and they offered me a plan that would help and I took it. Used my car for collateral. Needless to say, the interest was so astronomical I would be paying for a car that I already bought and paid for once for less XXXX years prior and it was brand new. Since, i can not do the payment arrangement for the interest is so high I would die before I got it paid for. My car is now worth maybe XXXX and I have to pay XXXX for it.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IHAVE MUTIPLE IN QUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX , EQUIFAX,   XXXX   FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
Product: Credit card or prepaid card

I obtained writing services from XXXX from XXXX XXXX which I was dissatisfied with their product as it did not meet several requirements. The products were not useable. I complained directly to the company who said they would refund me, but never did. I filed a complaint directly with Discover Card as that is what I used to make the payment for the writing services. Originally, it appeared as though Discover found in my favor against the company and I was not longer charged for the services. 

I started receiving harassing emails, text messages, and calls from XXXX demanding that I have Discover reverse the charges and they will refund me directly. If I did not, they threatened to contact my college and accuse me of plagiarism which was never committed. This occurred in XXXX of XXXX. I contacted Discover and explained to them the situation from the merchant and, I was scared, asked them if I was able to relaunch the complaint should they know reimburse me. I was told yes so Discover cancelled the dispute. A month went by and I received no refund from XXXX and the balance left on my credit card was exclusively and entirely from XXXX in the amount of roughly {$240.00}. I explained this to Discover. We were in constant communication regarding this balance. I could not pay for it and did not feel that I should have based off of the agreement. After getting nowhere with XXXX, I asked Discover to relaunch the dispute and the alleged that they would, but then they could not. 

On my credit report, it shows no payment from XX/XX/XXXX-XX/XX/XXXX. Discover closed my credit card that I had in excellent standing for many years, since XXXX. They closed it abruptly without consulting with me directly. They also had done this despite the fact that I had a case with the Attorney General against XXXX. As a result, my XXXXedit score dropped over 140 points. I want my credit card back opened as I ended up making an agreed payment in XXXX of XXXX after acknowledging that I was not sure how long the AGs investigation was going to go on. During the call with the representative from Discover to make the payment, it was not disclosed to me that my card was closed. Also, the amount was paid and my credit report should reflect that, but it reflects that I missed 27 % of my payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Late Payments : XXXX XXXX  Unauthorized Hard Inquiries : XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

We had a forbearance period on our mortgage loan due to superstorm Sandy. Ditech has now sent us a letter of default due to us being in that program. 

Our account now shows {$32000.00} in arrears which is impossible. At {$1400.00} per month in interest the total if any would be {$17000.00}. But we are not supposed to be in arrears due to our participation in the Sandy forbearance program. 

During the 1 year period we payed our monthly escrows. Ditech is still stating that we are in arears with our mortgage and they haven't applied our mortgage payments correctly to our account. They have not been applying it to escrows and keep doing escrow advances to cover insurance, MI, and tax payments. I found out this was the reason that we received a notice of cancellation for our homeowners insurance. Ditech was waiting for a managers approval to pay the premium as there was not sufficient funds in our escrow account due to their ( lack of ) accounting. 

Ditech has just transfered the servicing to another lender efeective XX/XX/XXXX which will make this even harder to solve with a company that knows little of what we have went through for the past few months. 

Attached is : 1. A letter from Ditech from XX/XX/XXXX requesting us to sign a mortgage modification for a loan term of 40 years where our address and information was changed to XXXX XXXX XXXX in XXXX, MO. 
2. A letter from Ditech from XX/XX/XXXX addressed to XXXX XXXX XXXX in XXXX, MO when we requested a payment history and why payments were not being properly applied. 
3. A letter from Ditech from XX/XX/XXXX with terms of forbearance program. 
4. Cerificate of Eligibility from NJ Consumer Affairs for Sandy Impacted Forbearance. 
5. A letter dated XX/XX/XXXX we sent to ditech outlining our compaints. 
6. A certificate of occupancy for our home dated XX/XX/XXXX. 
7. A letter from Ditech from XX/XX/XXXX in response from our complaint to the NJDBOI. 
8. A letter from Ditech from XX/XX/XXXX with a notice of default and intent to foreclose.
Product: Student loan

I have been waiting for loans to be discharged since XXXX when the DOE approved the discharge under Borrower Defense. I have continually received feedback that they are busy and that " in time '' I will see this discharge completed.

Additionally, I have undergrad loans that are past the 20 year mark and am awaiting the changes from the one-time adjustment that is supposed to occur. None of these items are affected by the halt of XXXX 's student aid. 

This has been ruining my credit for a long time, these balances that are WELL ABOVE what I even borrowed for school, even though I have been on an IDR plan. Balances have never gone down, and only increase.
Product: Debt collection

They called me today and yesterday 5 times each even though I made a payment to them last week and explained my situation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?
Product: Money transfer, virtual currency, or money service

We were scammed out of XXXX $ from an unauthorized fraudulent wire transfer made out of our savings account last XX/XX/2021. Wells Fargo did not help with this at all. We do NOT allow any wire transfers from our accounts. It states that on our account and wells fargo allowed this wire transfer to go through. 
I called and made several complaints to Wells Fargo and to our attorney generals office.