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

XXXX XXXX XXXX XXXX XXXX ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX XXXX, XXXX, & XXXX  XXXX report : Credit report information to identify account status : INCORRECT XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance carrier and auto loan agent refused to hold regarding my insurance carrier at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " CLOSED ACCOUNT, '' after deferment contingencies were not offered, even after insurance adjuster submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect five years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I was notify by the I.C. System of a debt that I do not owe with XXXX. The account that they are talking about is XXXX ( XXXX ) and they have it under account number XXXX and the reference number is XXXX. The problem is that order was cancel back on XX/XX/XXXX. I have call XXXX and spoke to a XXXX, XXXX and no one can seem to find it. I do not owe them anything because it was cancel. I live in an apartment complex and satellites are not allow and I have my lease to proved. So it was never set up and I never got any equipments. I do not owe anything and XXXX said they do not see anything concern this account nor my phone number. Could this be a scam. Usually it takes 90 days before a company would put thing in collection department. If this order date was made and cancel on XX/XX/XXXX and and I am getting a collection notice from I.C. System on XX/XX/XXXX and XXXX has it only collection department that I find out this morning. and they do not know anything about this. I concern this may be a scam and I do not owe anything because it was never setup and I have not sign anything and my landlord does not allow satellite at the apartment.
Product: Checking or savings account

For the past four days, Ive been communicating with Cash App/ XXXX XXXX XXXX on the status of my account and why it is frozen .They continue and refused to give me a reason why I can not access my Social Security XXXX XXXX funds, which is creating an undue financial burden on me, and my ability to pay my bills and rent. Can you please help period. Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, XXXX took over some of XXXX credit accounts. I did not make any purchases after XXXX took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by XXXX saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting XXXX, but was told I have to get my money back from XXXX so I can give it to XXXX. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that XXXX and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. XXXX is now reporting to credit bureaus that I owe money. I never even made any charges on the account since XXXX took the account over. These two companies need to get together and share information. XXXX is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.
Product: Student loan

Once payback of the loan started we attempted to pay more than the required amount. We asked that the extra amout be applied to principal and were told that was not possible but instead needed to first be put towards the interest and any amount remaining would then be put to the principal. The loan amount originally was greater than 40,000 . I am certain if the extra payments had gone to principal we would have paid significantly less interest.
Product: Checking or savings account

Hello, I've tried to settle with Bank of America myself regarding 2 transactions that have been reversed on my account. First amount of {$2500.00} on XX/XX/2018 and {$7000.00} also on XX/XX/2018. These transactions are valid for goods that were purchased by the user. The transactions were made on a 3rd party marketplace. I have provided all the evidence to the bank ; however nothing has been done to resolve the issue. I am a preferred platinum honors client and they frozen my account several times and caused many transactions to fall through in which I was left paying the fees with other institutions. The user that initiated these transfers is trying to scam me out of the money by reversing their payment and claiming fraud. I've attached all supporting documents that I faxed over to them. Please assist me in making this correct! 

Thanks, XXXX XXXX
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, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXXen ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Checking or savings account

I do not have a cell phone e and needed to reset my password. I live in in area that cell phones do not jhave service, so I have a land line. 
I accidently logged out of my Chime account. I forgot my password and needed to reset my password. 

I contacted Chime customer support a week ago to resolve my issue. I have approximately 25 emails to and from. I spoke with a supervisor, today. I provided the documentation they asked for but I never receive a response. I provided copy of my driver 's license, copy of current utility bill, selfie with my driver 's license, Paper with current date, name and last 4 digits of social. I never receive a response. 

I am now, very concerned about my funds, current and future with this lack of contact to resolve issues. 

I would not recommend Chime to fellow seniors.
Product: Credit reporting or other personal consumer reports

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Debt collection

I have continuously received harassing calls from a Profit Services Group ( PSG ) in regards to a gym membership with XXXX XXXX XXXX that was cancelled XXXX years ago. I have spoken with the gym, with the financial processing company and with PSG in an attempt to resolve the issue, I have been informed numerous times that the issue is resolved. XXXX XXXX XXXX and the financial processing company both acknowledge that the matter is resolved, however PSG ( the debt collection company ) is still continuously calling and harassing myself as well as family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

No action taken by credit agencies. Not resolved.
Product: Credit reporting or other personal consumer reports

I checked my credit and I found that there are XXXX accounts and multiple inquires that can't be verified as accurate this data on my credit report are not 100 % accurately reported and it is not 100 % correct as it should be according to the law! I'm aware from studying the fcra and the fdcpa that it is a clear violation of the law that are in place to protect each consumer like me that these credit reporting companies don't report any data or information that has not been proven 100 % accurate not 90 % or 95 % accurate no it has to be 100 % accurate or has to be deleted plain and simple! It says it in the FCRA that any and everything on my credit report has to be 100 % accurate on my credit report according to 15 use code 1681e ( b ) and 15 usc 1681i ( 5 ) this data on my credit is a huge violation of not reporting 100 % accurate this is ruining my perfectly good reputation! For this violation I can get {$3000.00} in a lawsuit against these companies {$1000.00} for each violation! I am educated on this matter as you can see so please stop treating me like a uneducated consumer because as you can see from this complaint I'm far from that!!! 
oh yeah and don't send no computer generated stall letters to my house like y'all did before this another violation come on now I know this stuff like the back of my hand!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies did not remove item off my credit report that another agency removed. By law TransUnion should have reported the deletion of items to other credit agencies. 
Transunion removed items but XXXX  and XXXX kept items on my credit report.XXXX  and XXXX did not complete a timely or thorough investigation.
Product: Debt collection

This debt was not an account I created and I've filled a report stating my identity was used fraudulently yet the debt is being bought and transferred from company to company. Where each company has threatened to ruin my credit, sue, and garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and my XXXX  have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since 2012. XXXX  XXXX affected my XXXX XXXX multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower XXXX XXXX.
Product: Debt collection

MRS BPO of XXXX XXXX XXXX, XXXX XXXX, NJ is telling me I must pay them {$63.00} on behalf of XXXX. I called XXXX and they said I have no balance due with them. This was attempted previously by another fake debt collector, which used a real debt collector 's name, but a different address and phone number.
Product: Checking or savings account

The change in fee structure for debit card holders that Wells Fargo recently instated is excessive and oppressive. Wells Fargo change the requirement to avoid a monthly fee for debit card users by removing the criteria of making 10 or more transaction in each month. Now the only way to avoid a $ 12 monthly fee is to either keep an average daily balance of {$500.00} or do direct deposit. The {$500.00} is excessive and discriminatory to working families!!! VERY few people can just leave that kind of money sitting around in a non-interest-bearing debit account. And for those of us only working one job I only have one direct deposit and that goes to my WF checking account so I can avoid a service fee there. 

I make an average of 40 transactions a month with my debit card spending an average {$450.00}. Based on current interchange rates WF makes around {$30.00} a month on just my transaction spend. That spend should more that cover the cost of the debit account.
Product: Credit reporting or other personal consumer reports

i requested information in good faith. I feel this is unfair and illeagal and fradulant and not equitable. I disputed this inacurate information numerous times before contacting CFPB. Pls remove frm consuonsumer reports.
Product: Debt collection

I received a letter from Allied International Credit Corp. dated XX/XX/2020, stating that they are " a debt collector '' attempting to " collect a debt. '' They list the creditor as XXXX  and cite an Account Number XXXX******, Reference Number XXXX. The amount they claim owed is {$780.00}. 

I have accessed my XXXX  account and have ascertained that my account balance is XXXX ( {$000.00} ). I can find nothing suggesting that I am indebted to XXXX  at this time, and in fact have not purchased anything through XXXX  for several weeks. 

The company lists its address as XXXX XXXX XXXX, XXXX XXXX, XXXX, VA. XXXX. Telephone # XXXX. ( They furthermore provide an address at Department # XXXX, XXXX XXXX XXXX, XXXX PA. XXXX. I am not sure why the Pennsylvania address is pertinent, for they indicate that I should send my check to the former address. ) In addition, the letter states that I should contact " XXXX XXXX '' to discuss payment options. Phone # is as above. 

A XXXX search indicates that many people have received similar letters from this company. The letters seek payment in varied amounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  the same question for years you refused to answer. You contacted me but I've never done business with you or Owner. Under the FCRA who contacted you a d XXXX on my before and you assumed it was me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC XXXX Balance : {$19000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/26 around XXXX XXXX my coinbase account was hacked. The hacker attempted to sign in multiple times requesting multiple codes and the company allowed them to request up to 15 until finally they were able to XXXX  my account by adding their own phone number and secondary authentication. I woke up at XXXX XXXX  to the 15 text messages of the codes and immediately signed into coinbase changed my password, added a second factor code, and locked my account to any future sign ins. I tried to delete my bank account and the new phone numbers but was not allowed to because the verification codes were being sent to the new numbers. I immediately emailed the company about my issues. Although the company told me the account was locked, hackers were able to complete 3 withdraws from my XXXX account one for {$200.00}, one for {$500.00}, and XXXX for {$250.00}. They also sent all of my XXXX, {$950.00} to other accounts while my account was supposed to be locked. I have been emailing the company and only receive robot responses. I am not locked out of my account completely and have no way to sign in.
Product: Student loan

I took out loans a few years back to help pay for my college. I went through XXXX XXXX as well as a few Federal loans. XXXX XXXX consolidated all of my Federal loans, and they charge me around 4 % interest which is fine. XXXX XXXX could not take over my other loans from XXXX XXXX and Navient as they are private loans, I tried, both companies declined. Now, I have XXXX with XXXX XXXX and XXXX with Navient somehow. Why could n't my loans stay with XXXX XXXX? My XXXX with XXXX XXXX range around 7 % which is higher than my Federal loans, but manageable. However, Navient is raising my rates every few months without notice. I believe they are acting unethically. When Navient took over my loans, my interest rates ranged between XXXX and 8 %. I have been on auto pay since XXXX, and now, my rates increase without any notice. When I question it, and I 'm always unable to speak with a Navient representative over the phone despite many efforts. They finally emailed me back saying that there was nothing I could do, it was up to them to set the interest rates. Then my rates jumped to over 9 % ( always no warning ). As they stand, XXXX of my loans at Navient are at exactly 10 % interest rate. Within less than a year, they rose to 10 %. I feel like something has to change. I am paying over XXXX dollars a month a year after graduation. I ca n't afford to live. My fiance pays over 80 % of our modest apartment. This is no way to live, please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

On XX/XX/XXXX State Collection Agency sent me a letter attempting to collect a debt from XX/XX/XXXX for XXXX XXXX XXXX ( clinic ) for 2 amounts, {$26.00} and {$140.00}. Both of these had been paid by insurance and I personally paid the deductibles. I responded with a letter for " debt validation '' and disputed the debts on XX/XX/XXXX. Never received a response as of XX/XX/XXXX but received a credit alert that State Collection Agency had already listed these two " debts '' as collections on my XXXX and XXXX credit reports on XX/XX/XXXX. ( well before the Fair Debt Collections Act 's 30 day period to allow for the debtor 's time period to challenge the alleged debt.
Product: Credit reporting 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT 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 i HAVE SENT THEM XXXX XXXX XXXX LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud comenity XXXX, XXXX, {$3800.00}, XXXX Dept of EducationXXXX, XXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, deptofeducationXXXX Dept of educationXXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX XXXX deptofeducation/XXXX Dept of educationXXXX, XXXX, {$6100.00}, ( XXXX ) XXXXdeptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$3200.00} XXXX XXXX XXXX XXXX XXXX, deptofeducationXXXX dept of educationXXXX, XXXX, {$5000.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX  XXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX, XXXX, {$6300.00}, ( XXXX ) XXXX, deptofeducation/XXXX.com Dept of education/XXXX XXXXXXXX, {$10000.00}, ( XXXX ) XXXX, deptofeducationXXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX  XXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXXXXXX XXXX