23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX. XXXX THAT'S MY CLAIM WITH THE NEW YORK XXXX  XXXX XXXX XXXX XXXX 

A person who came here to my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX looking for a job, while he was on trial to get hire ' He got in my office and stoled a few of my business books checks from JP Morgan Chase Bank, & wrote the total of XXXX checks falsifying my signature in all of them using a different dealerships names and other companies names. 
Then he endorsed all of them with his name and deposited them in his bank account with XXXX XXXX  using mobile deposits in all of them. 
The checks were made from XX/XX/2022 till XX/XX/2022. According to the XXXX XXXX Detectives information that is handling the case, The suspect got arrested on XXXX XXXX, and He's dealing with the XXXX XXXX XXXX XXXX XXXX 
And till this day I haven't received any money from the bank or the guy who did it. 
In the meanwhile the bank said the case was closed because there wasn't enough effort from me to get money back. 
but I did all I had to do and sent every document they asked me to. they completely denied giving me my money back that was taken from my business account.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
Ive received allegations in the mail from ERC claiming I have an obligation to their company due to an unpaid balance from XXXX. 

Pursuant to 15 USC 1692g ( a ) Enhanced Recovery Company has failed to validate this debt and/or allow me to validate this debt. 

Enhanced recovery has no first hand knowledge of any transaction between XXXX and I, the consumer. 

Pursuant to 15 USC 1602 ( p ) XXXX is in violation of 15 USC 1602 ( p ) as no authorization or written consent was given to XXXX for the conveying of private information about i the consumer to enhanced Recovery Company. 

Enhanced Recovery Company does not have and can not provide an original contract between ERC and myself the consumer pursuant to 15 usc 1692a ( 3 ). 

Enhanced Recovery Company is in violation of 15 USC 1602 ( p ) for unauthorized use of my credit card which is also attached in Exhibit A. 
ERC has reported on my credit standing which has caused me great hardships as the FDCPA is intended to secure my privacy. 
XXXX as the FCRA 15 USC 1681b ( a ) ( 2 ) Enhanced Recovery Company has no written consent from I, the consumer to furnish anything and place it on my consumer report this is a violation. 

As of XX/XX/2021 signed for and received by ERC with the signatures of a representative XXXX via green return receipt which indicates proof of receiving notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

dept. of education is showing XXXX 90 days late and XXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted XXXX they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late XXXX and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with dept. of education.
Product: Debt collection

I received a call from Enhanced Recovery XX/XX/XXXX claiming I owe a credit card from XXXX for a total amount of {$1300.00}. I asked them to let me validate the debt by sending it to me in writing and they refused saying they are litigators and not collectors. They threatened to garnish wages, place a lien, and that my kids will visit me in XXXX. Shortly after the call, my credit report got an alert showing Enhanced Recovery reported a derogatory account for {$840.00}. As I'm writing this, I received another automated call stating that they are processing a court claim and need to verify my personal information - I hung up. How do I dispute this considering they are refusing to provide an address or validate the debt?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX XXXX, 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX, Experian and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I've received a letter on XX/XX/year>XXXX  from Radius Global Solutions LLC a debt collection group care of XXXX. The bill was {$5600.00}, but last month I've received a call from XXXX XXXX XXXX suggesting that I should pay a lump sum under {$3000.00}. In the past, I've made payments until stopped hearing from them and then a few years later they started back to charging me calling, emailing, and by postal. I shouldn't have to pay anything because this college is a for-profit and has mis-led me to believe that I could get a career but later they cut me off from trying go back. XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not a good college to go either online or in-person, because they done care how good you are, they will make it seem like you're never better, they're known to also be XXXX and to prove my point one of the online instructors didn't believe that a XXXX XXXX named XXXX XXXX XXXX ever was an XXXX. I've tried to make up because I was in house fire and had to stay at a hotel. But they didn't care and just drop me. If anyone that has Private Student loan from for-profit schools leave because these people work with greedy banks and bill collection companies that will sell your name to bill you.
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 XXXX. 
financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX - XXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX  XXXX - XXXX - XX/XX/XXXX XXXX {$11000.00} XXXX  XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2900.00}
Product: Credit reporting or other personal consumer reports

This is in response to my orig complaint XXXX. Mohela added back to XXXX a school loan showing closed with a balance of approx $ XXXX. My original complaint said that it was reporting to XXXX and XXXX yet they went back to XXXX and reported a new tradeline under XXXX  XXXX XXXX with account closed and balance $ XXXX. Incorrect. I have attached proof of my balance as shown directly from Mohela and Dept of Ed and StudentAid.gov showing balance of {$0.00}. Why cant Mohela report this balance correctly? Instead they reported me recently ( see attached ) as having a balance which was not what I was expecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX and U.S. Bankruptcy Court XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue how or why this happened. Ive been checking my credit report regularly, but this time, these discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts didnt go away. I feel helpless and desperately need the documents I sent to be thoroughly reviewed so that I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below XXXX XXXX was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason XXXX hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After sending information to verify myself with my disputes, Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Checking or savings account

I opened a Citi Bank account on XX/XX/2023 and deposited {$400.00} cash. 
On XX/XX/2023 I deposited a check of {$210.00} paycheck. they told me, the check will clear up in a week. 
On XX/XX/2023 I was unable to deposit my 2nd paycheck and was told my account was blocked. 
Citi Bank teller gave me,XXXX option XXXX to call to unblock, on XX/XX/2023. 
XXXX XXXX, from the fraud line, after half an hour of investigation on the phone, told me the checks were forged. I called my employer who connected me with the comptroller of XXXX XXXX. Again after half hour with the comptroller, XXXX XXXX assured me the checks were good and put me on hold to clear, unblock the situation. But came back with a new issue about my identification, many questions : how long have I been at the address? proof of identification. I gave my social security number and my driver license. he decided to keep it blocked and gave me another number. today, XX/XX/2023 i called and they are unable to answer my questions : Why my account is blocked? 
why can't i withdraw my cash? 
why did they opened my account to block it 2 weeks later? 
what are the reasons i have been flagged and how can i clear it? 
what information i need to provide you to unblock my account? All my questions have been unanswered by multiple agents. 
Citi Bank agents are rude, unprofessional, unhelpful not knowledgeable. 
i need your help. 
thank you for your assistance in this matter XXXX XXXX XXXX XXXX opt XXXX to
Product: Credit card or prepaid card

XXXX is blocking me from enabling an external application : Truebill
Product: Credit reporting, credit repair services, or other personal consumer reports

The company above reported a late payment for XXXX 2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX Transunion, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 1 : What is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal money transfer to my XXXX XXXX Account, in the amount of {$200.00}. 
Was promised to be completed in one business day, it has been 3 weeks and PayPal will not tell me where my {$200.00} is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting PayPal, no more response from the company in terms of where my {$200.00} has disappeared to. 
It's not in my bank and it's not in the PayPal account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Step 3 : What happened? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting the bank, multiple times as requested by PayPal, the bank ensured no {$200.00} transaction from PayPal has come through or been attempted. 
This has caused a returned items fee in the amount of {$29.00} that occurred more than a week after the expected funds available. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Step 5 : Who are the people involved? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal, and I XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, To whom it may concern at Experian, To whom it may concern, at XXXX, I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score XXXX XXXX XXXX Account number : XXXX in accordance with The Fair Credit Reporting Act the Public law XXXX, Title XXXX, Section XXXX, A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation. 

I would also like your company to provide the copy of the check from an account that I've never had. In addition I would like to see a copy of the driver license which you state that was verified. 

I look forward to your prompt attention to remedy my request. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to access my credit report online, but Equifax is not displaying any credit score or relevant information on my report. This lack of information is preventing me from reviewing my credit history and monitoring my financial status. I need Equifax to provide my complete and accurate credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is following up on a complaint I submitted on XX/XX/18. A firm named XXXX XXXX/XXXX   XXXX XXXX pulled a tri-merge credit report without my authorization. 

XXXX XXXX  responded that the credit pull was in error and they were going to remove it from my credit report. 

I have waited three months and this inquiry has not been removed. I never authorized this company to pull my credit and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named Equifax, XXXX and XXXX who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named Equifax, XXXX and XXXX. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, Equifax, XXXX and XXXX have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as Equifax, XXXX and XXXX do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named Equifax, XXXX and XXXX. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

For XXXX  years I have sent {$1000.00} through XXXX XXXX to my XXXX, XXXX XXXX XXXX XXXX. I use XXXX XXXX XXXX app. Where my bank acct XXXX card has been approved through XXXX XXXX and my XXXX name/address has been vetted. XXXX day a temp problem came up about XXXX months ago with my XXXX XXXX app. So i temp went through " Money Gram ''. XXXX XXXX ok... it went through, but the XXXX attempt money gram banned me for life from using their services. I filed a complait and i emailed a copy of the XXXX years worth of mtcn numbers starting XXXX to present with XXXX XXXX. The again claim im banned for life. I met my XXXX  at the XXXX airport in the XXXX on XX/XX/XXXX. Because of the pandemic i had to return to XXXX. I feel my XXXX  and my name have been wrongfully slandered. Why cant they do as XXXX XXXX and verify my XXXX Im very upset and money gram wont even talk to me about why. They simply say they feel uncomfortable