23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called about a debt on a utility and this company Threatening to place this account on my credit report on XX/XX/24. I am in a quandary about this account still.I was never send a validation notice, I was never told the amount alleged to be owe or even given a chance to dispute this debt. Plz provide to me Actual proof this letter was sent because i know it was not and you are being misleading and deceptive to which is another violation of my rights. Once again you are in violation of U.S.C. 1692g ( a ) Under the FDCPA,. Plz send me actual proof that this company followed the FDCPA and send me out a validation letter.
Product: Checking or savings account

We opened an account with Citibank and deposited a check from my mother and Citibank had already taken the money out of her account and apparently put a hold on my account and said there was fraud investigation. They've held the funds for over 13 business days as well as their customer service is horrible I've been on hold for the past 40 minutes trying to get my account unlocked and apparently they hung up on me and they refused to lift the hold and give me my money and close the account
Product: Payday loan, title loan, or personal loan

XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$84.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$87.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$5.00} {$87.00} {$25000.00} XXXX Payments are supposed to be Interest only currently and they magically start varying even after a 31 day month. They are improperly calculating interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received a copy of my credit report and I filled multiple disputes ( I havd attached documents to prove the multiple disputes I have filled ) about the following information that appears on my XXXX report, XXXX and TransUnion. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via XXXX XXXX XXXX XXXX on XX/XX/2023. 
Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you, XXXX XXXX XXXX
Product: Credit card

XXXX, Senior Account Supervisor, ID # XXXX, refused to provide the Internet Provider Address that was used by an identity thief using my personal information including my Social Security Number ( SSN ). XXXX XXXX provided this information so why can not Capital One provide this information. I am trying to find out who is using my personal information so that I may prosecute them, but it feels like Capital One is protecting an identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion is purposely disobeying the FCRA 605 ( B )  Laws. XXXX and Transunion has received all the necessary documents on my behalf to validate my identity being stolen, in relation to some fraud accounts showing on my report. XXXX  and Transunion staff members verbally said they received the documents on XX/XX/2019 and thus XXXX  hasn't blocked/removed anything! Transunion has removed everything needed but a XXXX acct, furthermore they both are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They would totally disregard the laws morality and my own anguish, so I thus have been forced to keep multiple fraudulent accounts on my profile through their own discretion.
Product: Credit card

I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024, I sent three notarized letters to XXXX, XXXX and Transunion to remove all old addresses. I have a right to privacy. Also, they have my name listed as XXXX, my name is spelled XXXX. 
I also sent letters to each bureau to send a free copy of my report and I never received my report from all three companies. 
I also never filled for an XXXX loan. This is identity theft. They also have an hard inquiry that I asked them to removed and they still have not. I have a low score from XXXX because they refuse to remove an old XXXX bill that XXXX stated I sent the product back and therefore do not owe any funds.
Product: Debt collection

Today XX/XX/ XXXX XXXX from XXXX XXXX XXXX, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
Product: Checking or savings account

Electronic deposit XXXX {$10000.00} check to Citizens Bank. Check cleared my XXXX bank account on XXXX. Contacted Citizens by phone, branch mgr blamed XXXX - saying they were holding funds ( Lie ) Recd letter from Citizens XXXX stating same - XXXX was not released funds. 
Spoke to branch mgr at XXXX XXXX to confirm check cleared- he noted Citizens Bank is notorious for hold funds for inordinate amount of times. 
Today, XXXX, funds are still being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts from Affirm INC on my XXXX credit profile that show late payments for the month of XX/XX/2022. The account numbers are XXXX and XXXX. The balance and payment history of the account is incorrect and hindering my credit profile. Both accounts are completely incomplete and inaccurate. I sent in my payment history to XXXX so they can remove the inaccurate information but they did not do so twice. The accounts were first reported on XX/XX/2022 as late for the month of XXXX which isnt possible. Both accounts are reporting one month as being late but show no other payment history even though the accounts were open on XX/XX/2022 and XX/XX/2022. This needs to be removed immediately and XXXX and Affirm are not acting under the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX  nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
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 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 Account name XXXX XXXX  Account XXXX XXXX XXXX  Account name : XXXX Account # : XXXX Account name : XXXX Account XXXX XXXX XXXXXXXX Account name : XXXX Account XXXX XXXX XXXXXXXX Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX19, I tried to access bank 's website, but a message code is to be sent to a U.S. cell phone. I'm currently traveling outside the U.S. and  can't receive a code so I can't determine what my monthly payment is. I called the bank with the customer service number on the back of the credit card which is XXXX. I was given two options, press 1 to  hear a robot give me a sales pitch about a medical alert service. No human came on at the end the connection ended. I called back and pressed 2 and got another robot trying to sell me a towing service! Again, at the end the connection ended. I'm unable to make a payment because I do not know what I owe.
Product: Debt collection

So, I owe money and I have my phone settings to have callers I dont know go straight to voice mail Everyday I get multiple calls from different numbers. I have not contacted them about it. 
For example, on XXXX XXXX I received three phone calls with two hours. One phone number was XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX The day prior to that day I received these calls XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX Every time Ive picked up theyve been looking for me and they always say theyre a debt collector calling about the debt I owe.
Product: Debt collection

ge capital is in violation of the Fcra THEY ARE TRYING TO COLLECT ON A DEBT THAT IS NOT OWNED.
Product: Bank account or service

My sister was alerted via mail by Chase Bank that they were closing several of her accounts established during her childhood XX/XX/XXXX at what was then Bank One in XXXX. 

I have similar accounts and did not get such a letter. 

She immediately went to a Chase Bank branch in XXXX, Texas to get a cashier 's check to close her accounts. She then phoned me and encouraged me to do the same thing. 

That same day I went into a Chase Bank branch in XXXX XXXX, California to ask for the money in my account. The banker manager started the process and then said we needed to call a Chase Bank corporate phone line. 

The representative at the phone center said that because there was 'fraudulent activity ' on the account I could n't make a withdrawal. 

They then said a check was to be issued on XX/XX/XXXX that would be mailed to me for the balance in the account. 

To this day, now many weeks after going into the bank and being promised my money, I have not received a check and I do n't believe that it was ever issued. 

I am beyond upset about this treatment and need your help in getting my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below haws violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 consume4r reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 seven years.

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

I have been trying to get the check from Wells Fargo that I am due following the settlement in the courts. There is a claim in place but they continue to not answer questions and follow up regarding the processing of my refund. The claim # XXXX. 

I have called several times at # XXXX XXXX XXXX, and I just get the run around from the third party vendor handling the claim. I need help with looking into the status and continuous delays of my claim settlement please. I'v asked to speak to a supervisor. They say they will transfer me to the escalation dept. But when they say they will transfer me the phone just disconnects. It has happened no less that 10 times in the past two weeks. 

I need help with looking into the status and continuous delays by Wells Fargo of my claim settlement please. Wells Fargo is not compliant with the settlement and has no accountability or commitment to customer relations and compliance with the settlement.
Product: Debt collection

The debt is from XXXX with the credit card company called Synchorny Bank. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.
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 ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 342 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 00 have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Through the month of XXXX, Ive received over XXXX phone calls from Navient about my late student loan payment. Ive turned my phone on silent because of how often my phone was ringing sometimes they call me up to XXXX times in a day. At this point, its harassment and I would like to take legal action. The lost states that the collectors can not call more than seven times Within a seven day period. Or within seven days after talking on the phone with me about said debt
Product: Checking or savings account

I have an active complaint ( Claim # XXXX ) with Bank of America and have discovered from their internal messaging that the claim has been paid ( {$3500.00} ) however only about a third has been paid.. 

Yes, I get COVID # Fakedemic has slowed things down ; but I've not had access to this $ $ for 4 months!! Now they claim to have paid, but not even claose to the amount taken from my account.
Product: Student loan

I received an email on XX/XX/XXXX instructing me to review a letter from MOHELA dated XX/XX/XXXX entitled " Repayment Schedule Change '' ( see XXXX ). This letter indicates that I am being moved to the " Income-Driven Repayment ( IDR ) '' plan and notes more than {$8000.00} dollars of interest capitalization. I did not request to switch plans recently however. Prior to this letter being sent, I was on the SAVE plan. Moving to the SAVE plan from PAYE, my understanding was that interest would not be capitalized. As I was previously on the PAYE plan, I believe I should be exempt from interest capitalization as per XXXX, " [ a ] XXXX of XX/XX/XXXX, unpaid interest on your loans wont be added to your principal when you leave any IDR plan, except the Income-Based Repayment ( IBR ) Plan ( where capitalization is required by statute ). '' The date of my SAVE application is XX/XX/XXXX ( see XXXX ), after this policy took effect. MOHELA eventually placed me on SAVE with no prior interest capitalization, as noted on the former MOHELA website ( see XXXX XXXX XXXX ). Additionally, at this point, I have not requested to leave the SAVE plan while litigation is pending. Second, I noticed upon logging in that my account will be auto-debited despite no payment due as a result of pending SAVE litigation ( see MOHELA | XXXX XXXX  ). I would like MOHELA to ensure that money will not be debited when no payment is due. Additionally, it appears interest is currently being added to my account, when interest should currently be 0 % due to the litigation forbearance ( see XXXX XXXX XXXX ).
Product: Debt collection

Today, XXXX  XXXX XXXX, 2023 at approximately XXXX EST I called IQ Data International , INC for an debt they are attempting to collect. I initially received a collection letter from them and the account was already reporting to all credit bearuas and there was no formal communication prior to the reporting. I never had contract with this debt collect. In attempt to get this debt verified I submitted a letter XX/XX/2023. 

Today 's call was to get clarification and some resolve to the issue, instead I was verbally assaulted, belitted and yelled at by a representative by the name of XXXX who I was connected to after speaking with representative XXXX XXXX at XXXX. This rep was rude and asked me to resolve my debt by asking family and friends and when this was not an option she asked why I could not I ask family and friends to help and asked " was it because they did not have jobs '' and she was unwilling to help resolve the issue and provide adequate proof of this debt. As of today I was told that interest is accurring daily but the letter states its " XXXX percent per annum '' grand total as of today is XXXX. Document dated XXXX dated XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notification of an outstanding collection account on my credit report. I proactively contacted the Collection Agency in writing via USPS and requested information about this debt and the company, which they provided. 

In this letter, I specifically stated : " You can contact me about this debt going forward, but only via USPS or email. Do not contact me about this debt in any other way, or at any other place or time. It is inconvenient to be contacted except as I have authorized. You may not contact my friends or family members in any way whatsoever concerning any accounts in my name. You can only contact me via mail at the address listed above or via email at XXXX. 

Please note that my employer prohibits me from receiving personal or business-related communications like this at work. '' They have yet to contact me via email, and I am now receiving texts and calls as of XX/XX/XXXX. 

Despite having received and responded to a letter that very plainly instructed them NOT to do so, their repeated calls and texts are harassment, and I will NOT stand for it. I want this agency held accountable for its illegal collection activities.
Product: Debt collection

I was billed {$270.00} by XXXX XXXX XXXX which I paid by my check No XXXX dated XXXX XXXX, 2015. My check cleared my bank account on XXXX XXXX, 2015. I subsequently received a debt collection notice dated XXXX XXXX, 2015 from Transworld Systems Inc., Collection Agency, XXXX XXXX XXXX, XXXX, PA XXXX, correspondence to be sent to XXXX, DE. I have since received further collection notices dated XXXX XXXX, 2015 and XXXX XXXX, 2015, despite the fact I advised the collection agency on XXXX XXXX, 2015 that I dispute the debt because it has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the report it says " Sentence : " jail 10 days/ suspended ; probation 12 months ''. I was not placed on probation for 12 months and I didn't serve 10 days in jail. I had to reimbursed the courts of {$200.00} in XXXX of 2019.