23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX  has stolen my credit card account number and charge to my account since on or about XX/XX/2018 until XX/XX/2018 even I didn't purchase .I contacted the Capital One credit card to report the fraudulent charge and to lock my credit card. After that, the XXXX still stole my new credit card account and continuously make a fraudulent charges ( in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 ) to my credit card. XXXX  told me that Capital One give them my information without my consent. On or about XX/XX/2018, I contact the Capital One credit card and asked why Capital one credit card stole my information and gave to the XXXX without my consent and the Capital one credit card refuse to give my any answer and refuse to remove the fraudulent charge on my credit card account. 
The XXXX is attempting to collect the debt which I do not owe. On or about XX/XX/2018, I received an email from XXXX demanding that I have to pay Immediately {$22.00} which I do not owe. On or about XX/XX/2018 the XXXX charge to my Capital One Credit card account with the amount of {$22.00}. On XX/XX/2018 I Called the XXXX and let them know that I never owe them any money. the XXXX threatened me that they would report me to Credit Bureaus and file lawsuit against me for the debt I do not owe.
Product: Credit reporting or other personal consumer reports

After sending an initial dispute letter to Transunion and the creditor reporting this alleged debt, they failed to provide me with any documentation that verifies this alleged debt. They responded verified but how can a debt belong to me if me and the creditor reporting this account never had any contracts or agreements? Why can't they provide any receipts? The unlawfully reporting account is negatively impacting my credit score. I asked the creditor to cease all communications with me in which by definition, reporting this account to my consumer report is a form of communication. They're still contacting me nonstop after asking them to stop contacting me unless they're providing me any documentation asked. I never gave them the consent to obtain my personal information nor did I give them consent. to report anything to my consumer report. I believe that by Transunion not properly sending me the documentation asked is a failure to be compliant with the laws that they agreed to abide by. Included in my complaint is a copy of my initial dispute letter and a new dispute letter asking for a reinvestigation. Violations committed by Transunion and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Credit reporting or other personal consumer reports

CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the XXXX data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from XXXX ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that XXXX has admitted that I was one of the victims in the data breach and XXXX has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have repeatedly disputed the CONVERGENT OUTSOURCING attempted debt collection of {$310.00} on a XXXX   XXXX  account. This collection is from a XXXX XXXX account that was paid in full upon termination of service. The final bill in the amount of {$160.00} was paid through XXXX XXXX online bill payment via EFT on XX/XX/2018, which was received by XXXX XXXX on XX/XX/2018. This debt is due to a clerical error by XXXX XXXX failing to apply the final payment to the account. The account was then sent to collections with heavily inflated fees which brought the amount to {$310.00}.
Product: Debt collection

This will be my several attempts to get this issue solved i have asked XXXX to send validation of these debt they state i owed all they send it dates and amounts i have asked to send me orignal paper with my signature stating i signed these documents and have refused to to send how can you tell some one they owe money and there is no proof besides dates and amount ars is voilating my rights asking for validation once again please send me proper paper work
Product: Credit card or prepaid card

XX/XX/2022 I paid {$3500.00} for ammended tax returns. 

XXXX XXXX  later I had not recieved the ammended returns. I called and opened a dispute, but then the vendor got in touch with me and so I asked to put the dispute on hold until the ammended returns were received. I was told that I could not put the dispute on hold, so I cancelled the dispute in hopes that the vendor would follow through. 

The vendor did send me the documents about a week later, but then I began to be suspicious of the work and checked it out with another accounting office. There were several errors and the work that he had done was not aligned with tax laws and I was unable to submit the ammended returns. I repeatedly tried to call for a refund, with no reply. 

I re-opened my dispute with Barclay, by submitting a letter to their dispute department before the 60 day mark, but have not received a letter or any indication of what is happening on their end. I have tried to call in. When I do call in, I am not being passed through to the people actually working on the dispute. They told me the dispute was reopened, but I'm not even sure if that's true, because I'm consistently getting information that is incorrect from customer service. I can call right back and get a completley different repsonse. 

The customer service told me to just call back again and again and keep asking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported all 3 major credit bureaus XXXX, XXXX, and Experian that the collection from XXXX in reference to XXXX XXXX has XXXX inaccuracies. XXXX is reporting a date of last activity XX/XX/XXXX, Experian is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX all different dates across the 3 bureaus. Also XXXX is reporting an account status as open and this is a collection account it can not have an open status. Experian and XXXX are reporting on account status as closed and again different and inaccurate across the bureaus. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying a high interest due to these inaccuracies. 
XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX High Balance : {$400.00} {$400.00} {$400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$400.00} {$400.00} {$400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer , meets FCRArequirements Customer disputedaccount - reported bysubscriber.

Consumer disputes thisaccount information Affected by naturaldisaster Subject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type :
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are in violation of 15 U.S. Code 1666b. As per the law, the following is in the statute.

( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

All 3 are listing the following accounts as late or charged off, which are false and a violation of 15 US Code 1666b and 15 USC 1681 b ( 2 ) After repeated attempts to get this fixed, these 3 are taking now over 5-6 months to complete an investigation that should be completed within 30 days as per the law
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Account # - XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( Equifax, XXXX, XXXX XXXX ) this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt
Product: Credit card

Last year, when I paid my Macys credit card bill, I immediately noticed an additional charge of around {$25.00} that I did not recognize. I called Macys customer service several times, but they never gave me a clear answer. Despite my repeated inquiries about the origin of this charge, nothing was ever clarified. I requested an investigation, but Macys showed no interest. All they kept telling me was to pay the amount, but I insisted that I wouldnt pay it until they clarified where the charge came from.

In the end, I had to call and pay {$31.00} to avoid damaging my credit. They assured me over the phone that I wouldnt be charged a late fee because I explained my reasons, but Macys lied and placed a late payment on my record in XX/XX/year>. This was the worst customer service experience Ive ever had. 

They were only interested in getting paid, behaving like the XXXX, and never wanted to clarify the charge. This is what happens with these big companies ; they treat the working class like they dont matter and can damage anyones credit if they feel like it.

Thanks to Macys, my credit was damaged. I have never had a late payment with Macys and have always paid on time, but Macys never cared. My questions were only met with demands to pay or pay.

What they have done is very unfair.

I am a cybersecurity student with exemplary grades, and Macys damaged my credit because of an injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXXXXXX XXXX XXXX  that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus 6 times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXXXXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.
Product: Mortgage

My name is XXXX XXXX I have a home mortgage with Wells Fargo Mortgage. I can no longer afford to live in my home, because the mortgage in on a adjustable loan for years I will call Wells Fargo to try to get help putting my loan on a fix rate, they always take down my information, we will go through a long process, and the answer always come back as no they ca n't help me at this time. Even when I go in the bank to make my payments the banker always say you need to get a better loan this is highway robbery, you should go across the hall and speak to someone about getting a better loan, will do so the answer will come back, no they ca n't help me at this time. I also apply for making home affordable at different times, and the out come is always the same. I bought my home in 2004 it was on a fix rate, I had a realtor to approach me about changing my loan for 6 months I was not aware what adjustable loan mean. I have not been able to get on a fix rate since that. The home was purchase around XXXX, I could only make minimum payments and now the balance is around XXXX, the payments is so high, I ca n't afford to continue, the payments go up every year. I have 4 more years before I retire, and now I am looking for a place to rent. My only option is to short sale my house, because I ca n't get any help to put me on a fix rate. The house is now in the process to short sale. Could someone Please help me get to stay in my home. I have work so hard all my life, I have 34 years XXXX, and this is how it 's going to end. I fell like I ca n't help myself. Could someone please look in to this matter, and help me save my home.
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 processes unfair and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, Dept of Treasury, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I file a compliant thru the CFPB on XX/XX/2024 on equifax improper use and inaccurate information of my credit report. ( Complaint ID XXXX ) They investigated the complaint According to the FRCA " Investigatve Consumer Report means a consumer report on portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They stated my accounts were modifed and verified accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate.And according the FRCA 15 USC 1681 everything has to be 100 % Accurate as stated by law. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Under the Fair Credit Reporting Act, credit bureaus, medical information companies and tenant screening services must protect consumer data. These companies must maintain accurate records and investigate when a consumer disputes information These are the accounts listed XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received XXXX or XXXX forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I found two unauthorized chargers on my chase checking account on XX/XX/XXXX {$470.00} and XX/XX/XXXX {$570.00}. I report to bank then I go over my all transactions history and found some charge from XXXX but I cant see the full XXXX XXXX  then I report to chase too. The earliest transaction is on XXXX/XXXX so chase said its over 60 days liabilities so they cant take care my fraud charge issue. After I figure out the full XXXXXXXX XXXX I contact bank to told them I recognized the charge from XXXX. And they cancel the claims and said they cant heko me with my fraud charges. I contact merchant and they said they will refund my money back but my debit card number was changed so they need me to request bank to open dispute then they can refund my money back but bank refuse to assist me with the fraudulent transactions