23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The issue is a former complaint about a credit card fraud control attempt to authorize a charge for my phone bill to XXXX and has become frozen and blocked to prevent fraud. i have received multiple attemps to collect my information without reason, after i felt I have identified myself and have continued paying the debt owed,XXXX now to XXXX USD to CITI simplicity credit card services. i have received XXXX. The card company and agents wo n't identify me and will not close the account so I can just pay the money back and refuse the invitation that got me this situation in the first place, a mailed invitation. I 've now lost or stolen the card from somewhere and the fraud service will not cancel the card until I am identified over the phone and using my social security card, license, utility bill and other forms of identity, like fraud. I have included documents. Letter from predsident a case number : from cc : Consumer Financial Protection Bureau XXXX # XXXX
Product: Vehicle loan or lease

The loan is not mine and Ive already reported to the company of such information in 2019. The account belongs to someone else. My information was wrongfully used. The company Car financial services is still reporting to all three credit bureaus that I have an outstanding balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any othe
r adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I have had a checking account at Bank of America for about a year. 

I have not been able to transfer money through ACH to or from this BofA account using the BofA web site to one of my other accounts, a XXXX XXXX checking account at Customers bank. 

I have called both banks. They each say the problem is on the other bank 's side. 
I believe the issue is with BofA, however, since I can transfer money using the T-mobile money web site, but not using the BofA web site. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their online system. No disclosure is made of this blacklisting in any of the BofA disclosures for the account. I believe I should be able to use ACH to any of my external accounts, including XXXX XXXX.
Product: Money transfer, virtual currency, or money service

{$6000.00} is in my PayPal account and i had an email in last year saying, i can withdraw my funds through my bank. Im trying so many times and calling PayPal customer care for help. So i can add my bank or card to withdraw my funds but no one seem to help. They only tell me I should wait for an email and it has been almost 8-9 months they keep saying this to me. I really need my money in the PayPal account. Thanks.
Product: Credit card or prepaid card

Opened a credit card with Navy Federal Credit Union in XXXX, before entering XXXX XXXX in XXXX, and recently applied for protection under the Servicemember 's Civil Relief Act but was denied. I provided XXXX XXXX orders and a certificate from XXXX XXXX XXXX to verify dates of XXXX XXXX service from XXXX-XXXX.
Product: Mortgage

Erroneous fees being charged to my account of {$7000.00} on XXXX XXXX 2007. Claims made that the amount covers interest and fees associated with late payments form XXXX XXXX 2007 to XXXX XXXX 2007. This does not add up. 
Any late payments came from the misallocation of funds on their part and not mine. 
Often with HSBC my payments would not be applied to my mortgage and put in holding account. 
I should not have charged the amount in question. The amount is showing up as Deferred Balance.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to MACYS/CBNA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
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 violates customer 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 presses 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 I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company LVNV Funding has posted a debt collection to my account. This debt doesnt belong to me and I have sent written communication via certified mail on XX/XX/XXXX requesting proof of this debt. The amount is XXXX. The account number XXXX This company replied to my previous complaint with bills from a XXXXXXXX XXXX XXXX. The XXXX has rolled in banning the report of medical debt to consumer credit reports as of XX/XX/XXXX.
Product: Debt collection

This all started in XXXX of XXXX. I had a XXXX XXXX credit card that was financially backed by XXXX. I could no longer pay due to unemployment and it went to bad debt. Eventually XXXX discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof of more harassment by Equifax employees. I have previously reported, in at least 3 separate complaints to the CFPB different incidents regarding Equifax and my credit report. I have proof that they have tried to botch my credit report to prevent me from obtaining credit, which may have played a role in a recent credit denial I received. This has caused monetary loss, as well as pain and suffering for the months I 've been harassed by them and tried to get help from agencies to not much avail. I want this to be public so that if other people besides me are experiencing this, they know they 're not alone and that perhaps we can file a class action at some point. <P/>To begin, Equifax has added to three different accounts a consumer statement that I DID NOT add or tell them them add. I did not know this was even legal. If it 's not, then I 'm wondering why something has not been done about this already. Since when can they add a consumer statement that is n't from the consumer? It 's clear in black in white that the statement they 've added is even gone so far as to be in third person. Saying " consumer disputes this information ''. Which means they are clearly writing on BEHALF of me without my permission. Please ask Equifax where the records are of me asking them to write " consumer disputes this information '' on all the accounts they 've placed it on. What concerns me the most is that they 've added this statement to an account in good standing, in which I 've never had any issues with. It is my understanding that if something is under a dispute it will not show on a credit report. If this is the case with this, legal action should be taken, or something absolutely should be done. This would prove that they are trying to prevent positive/accurate information from showing on a credit report by their own statements they 've added. I did n't add the statement, they did. It 's even in third person, it ca n't be denied. Even if it is still showing on my credit report and I 'm mistaken, that makes it seem like the information on that account is incorrect or something is not right about it. This is not the case. One last time, I would swear under penalty of perjury that I have NEVER disputed the information on this XXXX XXXX account. Nor have I added any statement to it. They added this statement without my permission. <P/>Please ask them where they got this information from. Please do something about this. They need to remove all 3 instances of this from my credit report, because they have no right to add any consumer statement without my permission. They do not have my permission to add any consumer statements that they wrote. Only statements that I have submitted MYSELF, written MYSELF, and asked to be put as a statement MYSELF. I 've attached a screenshot of my online report. In addition this statement also showed on the paper report mailed to me, which is how I first found out about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3800.00XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX CO # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Trans Union are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Debt collection

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor. 
A detailed statement of the amount owed, including interest, fees, and any other charges. 
Proof that I am responsible for this debt, such as a signed contract or other documentation. 
The date of the last payment made on this account. 
Documentation showing that you are legally authorized to collect on this debt in my state. 
Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Product: Money transfer, virtual currency, or money service

In the middle of XXXX XXXX, Citibank accused me of a non-payment on a credit card account with XXXX and charged me a late fee on the alleged non-payment. I contacted the institute that I bank with, and they informed me that the autopay schedule was met, and that Citibank had in fact received the monthly payment from my banking institute as arrange by me several months earlier in XXXX XXXX When I contacted Citibank about the error, I was told that a correction would be made, and it would and appear in the next billing on the XXXX of XXXX statement. This never happened, and so I contacted Citibank again in the first week of XXXX wanting to know where the billing statement was that I was supposed to receive. I was told by Citibank customer service that I would receive a statement that would clarify the situation by the second week of XXXX and that Citibank was going to cover the missing {$900.00} payment they claimed they never receive. There was also a discrepancy of {$1000.00} that I noticed on the credit card limit of {$4000.00} when I checked online for the {$900.00} auto pay deposit from my bank, and when I asked why, customer service did nothing to correct this, claiming ignorance of the {$3000.00} limit that I was given in the recorded message when I called. I closed down the credit card immediately and asked for an accounting that shows all transactions for the months of XXXX and XXXX, and I got nothing from Citibank in response to this request. It is my firm belief that Citibank deliberately ran a scam on me because they refuse to address the issue in a timely manner.
Product: Credit reporting or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



XXXX XXXX XXXX XXXX *Account only present on XXXX inaccuracy Cares Act- Late payments XXXXXXXX XXXX XXXX XXXX  day *Equifax on XXXX XXXX shows different *12 late payment inaccurate Also XXXX XXXX XXXX XXXX Different account number XXXX XXXX XXXX XXXX  8 late payments XXXX balance Account paid on time XX/XX/XXXX XXXX XXXX Equifax Also XXXX XXXX XXXX XXXX XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX Shows 6 late payments *Equifax XXXX late XXXX XXXX account number* Inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.