23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an unauthorized charge with Amerassist AR Solutions with a balance of {$1500.00}. I have asked this company several times for a debt validation and haven't received any response from them. I sent letters and also emails to validate this debt now I have come to the result of demanding it removed since I have given this company plenty of time. 

The certified mail was received on XX/XX/XXXX by Amerassist AR Solutions and I still haven't heard from them and they are still reporting to my credit report. I need this removed from my credit reports ( XXXX and XXXX ) immediately. I have also faxed over the the validated debt letter to them. 

AMERASSIST AR SOLUTIONS Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted transunion and provided to them all of the proof that these accounts are not mine.
Product: Payday loan, title loan, or personal loan

Since XX/XX/2020 i've tried to re-connect the app to my bank. The app has worked fine before. I am approved by them and in good standing. They say it's a technical issue. My problem is they have me on their Payday Advanced schedule. I've paid my previous balance and now I am short till next payday unless I can use the app.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XX/XX/XXXX
Product: Debt collection

Complaint against - XXXX XXXX -- - A company called XXXX XXXX has been harassing me with constant calls. Bridgecrest is the debt collector for another company called XXXX, a car retailer. I never bought any property from XXXX, but the agency Bridgecrest keeps contacting me, even after I asked them to put my name on their Do-Not call list.
Product: Credit reporting or other personal consumer reports

My girlfriend got a XXXX XXXX  She added me as an authorized user thinking it just gave us an additional card. It was never disclosed it would factor into my credit. She removed me the same week and I never used the card I was sent and have no access to this account. Its negatively affecting my account. Experian is the only XXXX who wont remove it. The other XXXX bureaus removed it so XXXX not sure what the issue is.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX money order was stolen, fraudulently altered and forged by a TD Bank customer, who then deposited the money order into its TD Bank account through TD 's ATM machine. TD Bank, as the XXXX XXXX XXXX XXXX, was not authorized to clear this stolen money, and is legally liable to reimburse me for my loss, {$180.00}. TD Bank sent a letter to XXXX XXXX denying my request for reimbursement on XX/XX/XXXX despite its own letter stating : " If an item contains both an unauthorized signature of the account holder or purchaser and an alteration it is deemed to be a forgery and the drawee/payor bank is liable ''. TD Bank is the BOFD/drawee/payor bank! In follow up, I received a letter from TD Bank dated XX/XX/XXXX asking me to re-submit to TD Bank my claim in the format it needed ( altered payee only ) even though the money order had been both altered and forged, and assured it will refund my money. Throughout numerous conversations with TD Bank 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I was assured TD Bank will reimburse me once it received the new submittal from XXXX XXXX, but repeatedly lied and claimed they never received the form from XXXX XXXX. XXXX XXXX, through my CFPB complaint, responded it had in fact furnished TD Bank TWICE with the newly submitted claim form ( for altered payee ) back in XX/XX/XXXX, to which TD Bank repeatedly lied and claimed it never received. I intend to sue TD bank in Small Claims Court for my loss, and am at a loss to understand their scheme to cause intentional harm and defraud me out of my right to reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX XXXX XXXX XXXX - Same thing - With XXXX Southwest Recoverys {$890.00} Says it is in Collections With XXXX  XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT IN DISPUTE XXXX XXXX XXXX REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM XXXX XXXX ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with XXXX late payments I returned the car in XX/XX/XXXX and leased a new car from XXXX Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX XXXX reported a balance on the original lease, two months after it was turned in. 
XXXX has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX XXXX posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to XXXX, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with XXXX or Trans Union, XXXX insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

XXXX further sabotages my credit score by continually opening and closing the account. 

XXXX repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but XXXX never responded. The XXXX has given them an F rating, and 173 consumer complaints at their site gives XXXX 1 out of 5 stars. Consumers complain that they are unable to give them XXXX stars. 

At XXXX more of the same. XXXX XXXX is an aberration and needs to be investigated Now I am asking you for help, as XXXX has ruined my credit. I attempted to refinance my house over the last year and XXXX is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
Product: Checking or savings account

i opened a personal checking account with CITIBANK on XX/XX/year> and had a huge amount deposited into it soon by direct ach wire however the bank for reasons still unknown, summarily froze my account and informed me on XX/XX/XXXX that my account is closed and i CAN NOT get cash or transfer any of my own money despite imploring that i need funds for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX XXXX  and During XX/XX/year> I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after which have been permanently XXXX and living on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove accounts and inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint and I am including it again. 

XXXX : US DEPT ED XXXX Balance : {$39000.00} US DEPT ED XXXX Balance : {$22000.00} XXXX XXXXXX/XX/XXXX TRANSUNION : US DEPT ED XXXX Balance : {$39000.00} US DEPT ED XXXX Balance XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid several accounts off this year and both the company and TransUnion have not been willing to update my credit report. What's interesting is that XXXX  already shows the balances paid and my credit report updated, but TransUnion isn't willing to and I can't get anyone at TransUnion to talk to me.
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 ( CFPB ). 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 Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This item is malicious. I report them before and they went away, now they are back. I am a veteran and seventy percent service connected XXXX ; I get free healthcare for life from the VA. I am also on XXXX  since I live in a rural area not serviced by the VA. My insurance information follows : XXXX
Product: Mortgage

A foreclosure action has been undertaken by Signature Banker against two apartments XXXX and XXXX located at XXXX XXXX XXXX, XXXX XXXX which we own as XXXX XXXX and XXXX XXXX XXXX. 
Beginning in XX/XX/XXXX, Signature Bank instituted a foreclosure proceeding against us based on faulty accounting information which Identified us as delinquent by over two months. In addition, the bank levied substantial foreclosure fees against us and wouldnt accept any checks we gave them for regularly monthly payments. 
We sent to the bank a full detail of all the payments we had made with copies of checks. Initially the bank ignored our submission however, after a complaint was made to the CFPB, the bank acknowledge that it had made an error. 
Thereafter the bank sought to correct the charges relating to the payments however, it refused to remove any of the costs associated with the foreclosure. 
Again, we sent a protest to CFPB in which we noted that the foreclosure was due to the Signature Banks erroneous accounting and levying any charge when we never should have been put into foreclosure was improper. 
We received statements from the bank in the middle of XX/XX/XXXX which appear to show the removal of the foreclosure charges. The statements had a due date of XX/XX/XXXX and showed payments due under the loan of our debt obligations through XX/XX/XXXX. It also stated that If payment is received after XX/XX/XXXX that a late charge will be incurred. Since we received the statement in the middle of XX/XX/XXXX, it was improper to charge us a late charge when we had little chance of making the payment prior to the date identified on the statement. 
In a letter sent to us on XX/XX/XXXX relating to a complaint we filed with the CFPB on XX/XX/XXXX, Signature Bank advised us that our complaint was not relevant to the foreclosure actions and stated that the bank intended to continue to charge all costs associated with the disclosure to us. The letter continued to insist that the action was initiated because of our failure to pay charges due to the bank that were due in XX/XX/XXXX. This is particularly distressful since the bank had already admitted that it had made an error and had sent us statements in XX/XX/XXXX in which these costs seem to have been credited to our account. 
This letter further stated that the Bank will not accept any monies from us unless the full amount including legal and foreclosure fees is fully paid. 
As you are aware, we have called you and advised of our concerns. We also told you that we are prepared make an immediate payment of the full amount that is owed including the charges for XX/XX/XXXX ( for which we have never received a statement ). 
For apartment XXXX ( account # XXXX XXXX the balance including the XX/XX/XXXX installment is {$21000.00} For apartment XXXX ( account # XXXX the balance due including the XX/XX/XXXX installment is {$5700.00} The total amount currently due {$27000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Late Payments on CREDIT ACCEPTANCE Account - Demand for Reversal To Whom It May Concern, I am writing to dispute late payments that have been inaccurately reported on my XXXX credit report for my CREDIT ACCEPTANCE account. These late payments are erroneous and have a detrimental impact on my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. Any reporting of information with actual knowledge of errors is prohibited under 15 USC 1681a 2 ( A ) ( i ). As such, I demand the immediate reversal of the late payments erroneously reported on my XXXX credit report for my CREDIT ACCEPTANCE account. 

Furthermore, I assert my rights under the FCRA to dispute inaccurate information on my credit report. Late payments that are erroneously reported can have severe consequences on my ability to obtain credit and may result in financial harm. 

Please conduct a thorough investigation into the accuracy of the reported late payments and provide me with written confirmation of their reversal or changed to paid as agreed on my XXXX credit report. 

Failure to comply with my request will result in further action to protect my rights under consumer protection laws. I expect a written response within 30 days confirming the reversal of the late payments on my XXXX credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

That was a debit card issue instant front of teller amount XXXX dollar on above XXXX  I can not remember because I lost all paper card by that time withdrawl only XXXX I come XXXX XXXX home with receipt ac number debit card no paper completely lost inthe home Iwas XXXX XXXX lost paper next time iwent same branch ask for they can't recognize nice me same teller they issue they are not in bank so now how do I get my money back
Product: Money transfer, virtual currency, or money service

I have made a withdraw from Coinbase US over 5.000 Euro on XX/XX/XXXX. The normal transaction time for XXXX Sepa withdraws is 2 days. I have n't received anything until now ( Tuesday, XX/XX/XXXX ). I have tried to contact the support team from Coinbase and finally get the first reply on XX/XX/XXXX. They told me they will investigate on this issue. Another 10 days later I have n't heard anything!
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX To Whom It May Concern, This letter is regarding accounts XXXX  XXXX XXXX, which you claim I owe {$1400.00} as a duplicate collection. XXXX XXXX XXXX XXXX which you claim I owe {$2800.00}, {$3200.00}, and {$5700.00} on XXXX different collection accounts. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX, and XXXX ) from your company is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation- Negligent Enablement of Identity Fraud- Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name XXXX XXXX funding Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

To Whom It May Concern : I received an alert by the Experian XXXX XXXX XXXX about an increase of the credit limit of a XXXX Card associated with me from $ 16k to $ 20k. While I am the holder of a XXXX Credit Card, branded " XXXX XXXX '', this card has a different limit ( $ 7k ). Moreover, this limit was not changed recently. 
I therefore conclude that XXXX XXXX is reporting incorrect information against my credit file. I demanded correction of the incorrect data reported against me from XXXX in writing, postmarked XXXX/XXXX/15. My communication to XXXX is attached. 
Thanks much for your assistance in this matter -- Kind regardsXXXX XXXX
Product: Checking or savings account

It was some fraudulent activity done to my accounts and I disputed the transactions..chime denied all disputes then tried to reverse a old close dispute so my account would be in the negatives..now they telling me to verify my identity, which I did but they keep acting like Im not supplying the right documents
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX # XXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00}
Product: Debt collection

Portfolio recovery continues to call multiple times daily. Ive repeatedly told them I will not verify any information over the phone to mail me correspondence and yet they continue to call daily multiple times. The number is usually spoofed, but the most recent is. XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my Equifax credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 6 inquiries that I did not authorize or receive. They are as follows : 1. XXXX XXXX XX/XX/XXXX2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXXXX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX
Product: Student loan

I have 2 loans with XXXX. On XX/XX/XXXX, the interest for both loans capitalized. When I called XXXX to inquire the reason behind the capitalization, I was told by their IR department that my REPAYE recertification application submitted on XX/XX/XXXX had an electronic signature instead of a wet ink signature and that this resulted in an incomplete application. Because my application was incomplete, I missed the XX/XX/XXXX deadline to submit the recertification application for REPAYE so my loan repayment automatically changed to the 10 year IBR repayment plan and consequentially my loan interest would capitalize at an unspecified future time. I was not notified by XXXX that my application was incomplete and denied until XX/XX/XXXX, at which point it was impossible for me to submit a wet signature in time for the XX/XX/XXXX deadline. I had called XXXX customer service multiple times in XX/XX/XXXX and XX/XX/XXXX regarding the status of my recertification application and I had been reassured by multiple customer service agents that my application was complete and that it was a matter of time before my application would be reviewed and processed. After I learned that my application was denied on XX/XX/XXXX because of my electronic signature instead of wet signature, I promptly submitted a wet signature to XXXX within 1 day. However, XXXX still faults me for missing the XX/XX/XXXX deadline, even though I had submitted my recertification application in its entirety to the best of my knowledge and following all instructions on the recertification application given it was not written nor verbally conveyed to me anywhere that I had to submit a wet signature. Therefore it is not my responsibility nor my fault that my recertification application was signed and submitted with an electronic signature. So XXXX should not be allowed to capitalize my interest for the reason that I missed my recertification deadline in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX