23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the reinsertion of a XXXX XXXX  XXXX account ( Account Number XXXX ) on my credit report. On XX/XX/year>, Experian confirmed through a " Dispute Results '' letter that the account had been removed, leaving only one negative account on my report. However, when I reviewed my credit report on XX/XX/year>, I discovered that the same account had been reinserted without proper notification. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion, and 15 USC 1681i ( a ) ( 5 ) ( C ), which mandates that new, verifiable information must substantiate the reinsertion. Additionally, Experian failed to ensure accurate reporting practices under 15 USC 1681e ( b ). I request the immediate removal of this account, documentation of any evidence provided to support the reinsertion, and written confirmation of its deletion along with an updated credit report.
Product: Credit card or prepaid card

Late XXXX XXXX I applied and was approved with a SoFi Credit Card . 

XX/XX/XXXX, XXXX USPS informed me via their USPS Informed Delivery that a SoFi correspondence is coming and shall be received within the day. It never came. 

The week of XXXX XXXX I have filed for an unclaimed letter at USPS but they never got back to me. 

The week of XXXX XXXX I called SoFi customer service people regarding my concern of not receiving the card. They advised me to wait and call back within a week before they can replace the card. 

XXXX XXXX I received an email and text that they have noticed a transaction at XXXX XXXX XXXX , NY for {$940.00}. I called them and told them that I have not received the card and have not activated the card. They said that I am not liable for it and it will be investigated. 

The following week, XXXX XXXX- SoFi 's investigator told me to secure a Statement/ affidavit of loss from the customer service in order for me to file a police report. She told me that after filing a police report, I should give her the incident number, Name of the Police, Address and Fax number. I called the SoFi 's customer service and asked for the said document but sent me a current balance which is {$0.00} as of XX/XX/2021. I have been calling them regarding the said Affidavit of Fraud Form but still they are unaware of the said document. 

XXXX XXXX I was surprised that they have completed their own investigation and that they have concluded that I was liable for the said transaction. They have not even presented any proof that I made the said transaction. XXXX XXXX even told me that I have the card, I made the said transaction which is absurd, First of all, How can I file a complaint without SoFi giving me the said affidavit? I was in the police station to file a complaint but they can not entertain me without the said affidavit of fraud from the credit card company. 

I have been calling SoFi but we are just running circles. How did they came up such conclusion that I made such fraudulent transaction? Did they even check the IP address that was used if was used via online transaction at XXXX XXXX XXXX?, the phone number that was used to activate the card? did they even check and coordinated with XXXX ' CCTV if I was in the said store if it was done in person? This is just so absurd and I hope I was treated fairly in this matter. They have lapses in judgement making their fraud department unreliable.
Product: Credit card

I reported several fraudulent transactions through my chase card I believe did not do and chase told me that I would be responsible for ALL charges without explaining how they came up with that conclusion.
Product: Debt collection

As a result of my previous dispute XXXX XXXX stated they requested that their tradeline be deleted from my consumer report on XX/XX/2024. As of XX/XX/2024 XXXX XXXX is still on my consumer report this has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by keeping me from getting new credit for personal, family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide proper verification of this debt before any further collection activity continues.

Specifically, I request the following information : 1. The original creditors name, address, and account number associated with this debt.

2. A copy of the original contract or agreement that legally obligates me to this debt.

3. The complete payment history, including the balance, interest, and fees added to this debt.

4. A copy of the assignment contract or agreement that demonstrates your legal authority to collect on this debt.

5. Proof that the statute of limitations has not expired for the collection of this debt.

6. The name and address of any other entity that has owned or purchased this debt.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this requested validation is provided. If you fail to furnish the requested documentation within the legally prescribed timeframe, I will consider this matter closed and any further collection attempts a violation of my rights under the FDCPA.

Additionally, I request that all communication regarding this matter be conducted in writing only. Please do not contact me via phone at any time.

This letter serves as a formal dispute of the debt. If you report this debt to any credit reporting agencies before properly validating it, I will consider it a violation of the Fair Credit Reporting Act ( FCRA ) and will not hesitate to take further legal action to protect my rights.

Please respond in writing within 30 days of receiving this request. Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app/block How do I file a claim against their settlement. I submitted a complaint with my bank and here on this site long ago when they first let someone steal my money out of my account. Cash app even closed my account after I kept requesting investigations into it. 
I had requested investigations into almost $ XXXX of fraud charges on my account by Cash app/block
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXXXXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}
Product: Checking or savings account

When opened the account @ 2008, it was a no fee account tied to my investment account and mortgage loan account. They changed the terms on the account because they stopped offering this type of account and has been charging me a $ 25 monthly fee, which has literally wiped out my beginning of the year account balance. I felt that I should have been grandfathered in under the old terms, since I still had my mortgage with them. The only reason my investments were no longer there was because they sold the subsidiary during the financial crisis. How could they just take my money? This fee is excessive compared to the approximate {$.00} cents they have been paying me on a monthly basis. I feel that my fees should be refunded.
Product: Checking or savings account

After a year of dealing with a debit card fraud case with USAA we have determined we can no longer do business with them and are trying to close our accounts. In early XX/XX/2019 we attempted to close both checking and savings and were told we couldn't because the accounts were in a 'credit only status '. This is outrageous and unacceptable. It has been going on too long and we demand they close the accounts. This institution has already been found guilty of these kind of practices and have paid fines in relation to those class action cases. DO THEY EVER LEARN?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. This account is not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and there was an account that had information that doesn't pertain to me. Also I have proof where I was at when this account was made.
Product: Bank account or service

I met with a financial counselor who checked my XXXX report and we noticed two debts, one with XXXX and one with Bank of America. I first went to XXXX and they dropped this fee and I was able to open an account there. I later went to Bank of America and decided to pay the debt that showed under " suspected fraud activity '' not because I did the fraud but because I wanted to clear that debt and open an account at XXXX. The date reported on the debt is XX/XX/2013 I was out of the country during this time as I was vacationing in XXXX, so it was impossible for me to deposit a fraudulent check in the account at this time. After I paid the debt with Bank of America I was under the impression that I was cleared and could open my account at XXXX, when I tried to I was denied and they said it was due to debt on my XXXX report. I called Bank of America multiple times to have this removed and they informed me that they will not be able to remove this from my report. I explained to them that I was away on vacation and sent them a dispute letter with my passport showing the vacation days as proof but still nothing was resolved. I then called Bank of America Check Fraud Claims department with my financial counselor, the representative told me that I should be able to open an account. She said to visit a branch and have a representative at the branch call the Check Fraud Claims department to have this cleared up. So when I went to the bank the representative called and informed me that I would not be able to have an account with Bank of America. I would like some help in clearing this from my XXXX in order for me to be able to open an account at XXXX.
Product: Payday loan, title loan, or personal loan

This company stopped applying any percentage of my monthly payments to my principle balance, all of these payments ( 8 months worth ) went all to interest payments. the first 3 months of this loan went as agreed, then the principle payments stopped. The last 3 payments I have made have had them resuming principle payments.
Product: Debt collection

I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment accounts for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been placed on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be blocked and deleted from my credit report immediately. 
Below is a list of the fraudulent accounts and inquiries that I am requesting to be blocked and deleted : Fraudulent Accounts 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Collection Bureau of America has been sent out collections notification to me regaurding an alleged debt to XXXX XXXX XXXX XXXX in the amount of {$1800.00}. 

I responded with a letter asking to verify debt. They sent me back on XXXX documents that they say verify this debt as being mine. 

I NEVER signed a contract with XXXX  XXXX  XXXX XXXX. 

The original contract I had with XXXX XXXX XXXX was terminated XXXX when my unit was put up for auction, as per the letter I received from XXXX and XXXX. I spoke with XXXX the manager at XXXX XXXX XXXX  at the time and informed her that I was not able to pay the outstanding balance of {$410.00} prior to the auction date and advised her to proceed with the auction to clear the debt owed and she agreed. 

XXXX XXXX XXXX XXXX never sent me to notice of them acquiring the unit by mail or otherwise prior to my verification letter sent to XXXX on XXXX. The first time I have seen this was AFTER I asked them to verify the validity of the debt from the collection agency. I received a letter dated XXXX notifying me that the unit that was purchased and was now owned by XXXX XXXX XXXX XXXX. 

COLLECTION BUREAU OF AMERICA has NOT provided proof that I signed a contract with XXXX XXXX  XXXX XXXX, nor that I was notified of the change of companies prior to XX/XX/XXXX. 

If my contract was not terminated on XX/XX/XXXX with the auction that was held by the XXXX XXXX XXXX XXXX then XXXX XXXX XXXXXXXX XXXX held on to the contract from the time of acquiring the business until XX/XX/XXXX to build a XXXX XXXX enough to take to collections, knowing that I was in default and up for auction PRIOR to them purchasing the business. On XX/XX/XXXX I received my auction notification from XXXX XXXXXXXX XXXX XXXX in the amount of {$410.00}. 

XXXX XXXX XXXX XXXX never notified me of an auction that was held for my items since they have acquired XXXX XXXX XXXX XXXX. 

The contract that was sent to me was part from XXXX XXXX XXXX XXXX and part from XXXX XXXX  XXXX XXXX. The documentation has been altered and presented as though it is original documentation. I have my current contract with XXXX XXXX XXXX XXXX 

The ledgers that were sent from XXXX XXXX XXXX XXXX via XXXX XXXX that the unit was processed for forclosure on XX/XX/XXXX with 8 months of increased fees ( no notification sent prior to those fees increasing ), insurance fees, and late fees. My bill went from {$410.00} dollars to allegedly owe {$1800.00}. 

From the ledgers that were sent to me on XXXX, I show fees of {$740.00} that were obtained from the auction that was held. No notice was sent to me regarding this auction during any phase. 

Collection Bureau of America is continuing its collection on me with documentation that is not legit and practices that are not legal.
Product: Checking or savings account

On XX/XX/2023 I went to withdraw funds from account and wasnt able to. I went into the bank to find out why and was told my account was closing with no reason given. I didnt receive any type of notices that my account was closing. I have over a XXXX in my account for bills and expenses. That Im unable to access. Bank of America said it can take up to 30 days to receive a cashiers check.
Product: Debt collection

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!
Product: Debt collection

I have been contacted by Alpha Recovery Corp. claiming I owe them {$4300.00}. 

I have been repeatedly harassed by them despite making it clear I do not owe this debt. I legally vacated my Apartment in good standing. Under Colorado state law I am entitled to request they cease contacting me and have not done so. 

I informed XXXX I was vacating on XX/XX/XXXX due to their breach of lease by failing to address basic maintenance issues, filth and allowing the energy company " XXXX '' to monopolize the parking, idle at all hours and engage in work and staging activities by their hundreds of employees occupying the building. 

On XX/XX/XXXX without prior noticed they illegally entered my apartment and locked me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got on Equifax.com to look at my credit report. After I logged in I changed my password and began looking at my report. In the middle of that it kicked me off. I tried logging in again but couldn't ; tried both new and old password. I've called them directly only to have 5 out of 6 times telling me my correct information is wrong. Now I'm being told the only way to continue with my disputesis to send in paperwork. The one time I finally got through the call ended and went to the survey.
Product: Checking or savings account

Because of my divorce I am unable to open an account with XXXX XXXX XXXX  company and I am in need of an account my ex husband was supposed to pay them off and never did
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX and XX/XX/XXXX, someone had accessed my account on chase and XXXX payment to someone named XXXX XXXX in the amount totaling XX/XX/XXXX. they had sent two XXXX payments, one for XXXX and another for XXXX. I have never sent money or had contact with this person and i have never authorized this transaction. chase gave me a temporary credit but today i was notified that my claim was denied and they are reversing the credit. i have reset my username and password on my account since then because chase agreed that my account was compromised and that i should do that.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I filed a dispute in XXXX 2015 for an inaccurate 30 day late payment currently reflected on my TransUnion account for XXXX XXXX XXXX credit history report. My account inaccurately reflects a late payment for XXXX 2015. This inaccuracy occurred because of a fraudulent transaction The XXXX XXXX allow to occur with my credit card number in another State. The fraudulent transaction occurred in XXXX, 2015. This was investigated and correctly found by The XXXX XXXX as fraudulent. When I discovered and reported the fraudulent transaction, The XXXX XXXX closed my original account number and issued me a new account number. They transferred the old account statement, which appeared with a late payment for XXXX and XXXX 2015 as a result of the fraudulent transaction, and transferred it to my new account number. As a result of my dispute filed with TransUnion, I received a letter from them indicating the inaccuracy was corrected. However, the issue was not removed from my XXXX XXXX XXXX credit history report with TransUnion. I have continually disputed this issue with them, as well as continuously contacting The XXXX XXXX. TransUnion has continuously refused to update my XXXX XXXX credit history report to reflect no 30 day late payment for XXXX 2015. I have never made any late payments for my purchases with the XXXX XXXX and my credit report should accurately reflect this. For some reason, either TransUnion or XXXX XXXX XXXX refuse to correct my credit report. This has occurred because of a fraudulent transaction The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit report. It now appears I do n't make payments on time. My account balance was/is XXXX when this fraudulent transaction occurred. I have filed other disputes with TransUnion since the original dispute and none of them have resolved this issue. I take my credit report very seriously and have no late payments on my credit report other this inaccuracy that my disputes seem unable to resolve. I would recommend to anyone who experiences an issue like this with The XXXX XXXX to not allow them to open a new account for you until they resolve the issue and it no longer appears on your credit report with any of the XXXX major credit agencies.