23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In around XX/XX/year> I called Sallie Mae for hardship programs. I am currently homeless and have been struggling with payments for my student loans. Even with my circumstance they did not offer forbearance and only offered a payment plan that INCREASED my monthly payment minimum. 
That did not help at all if im struggling already to meet the minimum payments.
Product: Debt collection

LVNV FUNDING LLC XXXX I am writing regarding the debt referenced above, which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( 15 U.S.C. 1692g ), I am requesting that you validate this debt. Please provide me with the following information : 1. Proof that I owe this debt, including the original creditors name and address.

2. A complete itemization of the debt, including the original amount, any interest, fees, or other charges.

3. Documentation of my liability for this debt, such as the original contract or agreement.

4. Evidence that you are authorized to collect on this debt.

5. A copy of the judgment ( if applicable ).

Until this information is provided, I request that all collection efforts, including communication with me and any reporting to credit bureaus, cease immediately as required by law. 

Please note that this letter is not an acknowledgment or acceptance of the debt, and it should not be construed as such. Additionally, any further attempts to collect the debt without proper validation may be considered a violation of the FDCPA.

I expect to receive the requested documentation within 30 days. If you are unable to validate this debt, I request that you : Cease all collection efforts permanently. 

Remove any associated negative entries from my credit report. 


I look forward to your timely response. If you have questions or require additional information, please contact me in writing at the address listed above.
Product: Debt collection

I C System Inc. attempted to collect a debt of {$300.00} that I believe is incorrect. I have not received adequate information verification for this debt despite my requests. Please investigate and rectify this matter.
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 process 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

To Whom It May Concern, I opened my regular checking account at Citibank in XX/XX/XXXX. I have never been ordering any checkbook from the bank since then. 

However, 7 forgery checks were cashed and 3 direct wire transfers of money were transferred from XXXX to XX/XX/XXXX from my regular check account without my authorization. It caused my financial loss of {$14000.00}. ( see the attachments of Citibank statements ) I understand that all banks are responsible for protecting and keeping clients ' accounts safe. If banksfind that their client 's account has problems such as forgery checksand wire transfer money being stolen, etc., the bank would either send an alert via email or contact the client by phone call. Otherwise, how does the bank know which transaction is a forgery check or a direct wire transfer without the client 's authorization? 

Fortunately, 3 forgery checks and 3 unauthorized direct wire transfers have been refunded back into my regular check account in the amount of {$7900.00} from XX/XX/XXXX to XX/XX/XXXX under the bank taking action on investigations as well as my requirement timely. ( see the attachments of forgery check transaction details ) Unfortunately, there are 4 forgery checks for {$6900.00} unrefunded back to my account so far. For this reason, I strongly request Citibank to continue taking action and investigating this issue and refunding the remaining {$6900.00} for me as soon as possible. ( see the attachment of forgery check images ) Also, attached is Citibank Affidivate. ( see attachment ) Thank CFPB for your time and help. I look forward to hearing back from you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent Sezzle an email revoking authorization for them to charge my account or any payment methods under Regulation E ( 12 C.F.R. 1005.10 ( b ) ). My email clearly stated : " I am revoking authorization for Sezzle to charge my account or payment methods. I have no further obligation to provide additional details for this request. Please confirm that my authorization has been revoked. Under the Electronic Fund Transfer Act ( EFTA ) in the U.S., I have the right to revoke authorization for automatic payments. '' Under Regulation E, a consumer is not required to use a companys specific form or specify a particular card to revoke authorization. A general revocation of authorization applies to all future transactions from that merchant. 

Despite my valid and legal revocation, Sezzle continued to debit my account, claiming that I was required to : - Fill out their specific revocation form. 
- Provide the last XXXX digits of the payment method I wished to revoke. 
- Hand-sign a revocation form. 

Sezzles actions are a violation of EFTA and Regulation E, as federal law does not require consumers to provide additional details or use a companys form. Once revocation is communicated, the company must stop debits, regardless of the payment method they attempt to use. 

Sezzle ignored my revocation request and continued withdrawing funds from my account after XX/XX/year>. They refused to stop the debits, citing an invalid requirement that I provide a specific card number. These debits were unauthorized under XXXX2 C.F.R. 1005.10 ( b ).
Product: Student loan

I 've had student loans for about 8-9 years. In this period I went from XXXX XXXX to Navient. I have 6.8 % interest and XXXX loans all for XXXX XXXX. Before I was able to get my papers starring I completed XXXX I needed to pay almost {$1000.00} out of pocket on top of the loans. I was told I had job placement guarantee, I did n't. I was a XXXX mother on welfare and they fought me on deferrment, charged me interest and fees. When I finally started to get on my feet, and my loan WAS in deferrment finally, they took an entire $ XXXX income tax check I was relying on for a home. No notification, nothing. Now, 4 years after that happening and me paying on the loans from working ( not what I went to school for ) I still owe almost {$5000.00}. Navient sends you emails telling you about government grants to pay the loans, government loan forgiveness, and forbearance to those who qualify. But where is the information at for these? Who decides this? Where are we supposed to apply? I eventually was able to get a home, and almost lost mine in part of my student loan debt.
Product: Money transfer, virtual currency, or money service

Ok so this is very recent. It was on the XXXX of XX/XX/ 2019, I accidentally put down the wrong dispute case option with my PayPal and that blocked the case and I got scammed XXXX XXXX They wont reopen it because I selected unauthorized instead of fraud and now they think Im lying. But I paid for a XXXX subscription and never got it. And the person i sent money to has never responded so Im stuck..
Product: Credit card

I made a balance transfer on XX/XX/XXXX from an XXXX XXXX card to a citi card for {$3700.00}. After a couple of days I noticed that the balance was posted on my citi card but wasnt paid off on my amex card. After a constant back and forth between both banks I was told by citi that I made a mistake when putting in the credit card number and made a mistake on one of the digits. It appeared that the balance transfer I made was from a XXXX XXXX  account which I have no idea who the owner of that account is. I have been in constant contact with citi and they havent been able to help me. I was first told that an investigation was going to be opened and that a credit was going to be applied to my account between XXXX business days. After that time frame and after noticing that nothing was posted on my account I called again I was told it was going to be between XXXX business days. After XXXX business days I called again as nothing was posted on my account and I was told that I was going to get the credit after the investigation was closed. I called yesterday and apparently the investigation was closed, however I didnt get anything back. I was told by citi that I have to contact XXXX XXXX XXXXo get my money back as the money had already been deposited to them and there is nothing that they can do.
Product: Student loan

Called to request refund of loan payment made during covid period. Was told request was submitted. Called one week later, no request seen in system, re-requested the refund, still no updated balance on account portal.
Product: Debt collection

A debt validation Letter along with a copy of my credit report was sent on XXXX XX/XX/ to Acima Digital, which Acima received on XXXX XXXX XXXX The debt validation letter is attached. I received a response from Acima on XXXXXXXX XXXX XXXX, stating that the dispute was frivolous or irrelevant and the determination was that I did not provide sufficient information to investigate the disputed information. The additional information that they requested was sufficient information to identify the account. I have never done business with this company nor know who this company is. How can they legally just say that I owe this money, without providing me proof that I had a financial agreement, as well as they need more information that I do not have? They have my name and address along with the only information that I have pertaining to this account is a partial account number, that is printed on my credit report. How many people with my first and last name have an account and or lease number with the same numbers in it?
Product: Credit reporting or other personal consumer reports

I just checked my credit report and found some inquiries that belong to someone else
Product: Debt collection

XXXX XXXX XXXX XXXX SYNCHRONY BANK CITGO XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Please check the documents that I've sent. There are inaccurate late payment remarks on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.
Product: Debt collection

This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.
Product: Credit reporting or other personal consumer reports

due to the inaccurate information on my credit report that XXXX Equifax and XXXX is reporting I'm homeless and I am unable to get funding for school and business and I am requesting reimbursement I am a real estate investor CEO of total XXXX XXXX and I own a tow truck corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am missing out on over XXXX in XXXX due to the inaccurate on my report and I am how dispute several times I have requested my check from the lawsuits shame investigation report error lawsuit reimbursement request due to the credit bureaus not taking significant steps in the investigation process resulting inclusion and incorrect information very important 15 usc 1681 e ( b ) 15 usc 1681 5-2 1. ( 5 ) 15 USC 1681c ( c ) I have sent disputes over 15 times and wasted over XXXX on resources trying to fix this problem over a course of over 5 years and requesting reimbursement immediately
Product: Credit reporting or other personal consumer reports

Within the next 15 days, I am scheduled to update my credit reports, and I earnestly anticipate the removal of the following items from my credit file. Allow me to emphasize that, as outlined in FCRA Section 605b, Credit Reporting Agencies are obligated to eliminate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please help me fight FRAUD. 
On XX/XX/2023 XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION and I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File which is a clear VIOLATION of The Fair Credit Reporting Act, that specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase, ( XX/XX/2023 ). 

I am asking TransUnion under good faith not to be part of the FRAUD and to remove such unauthorized Fraudulent Inquiries from my Credit report just like XXXX and XXXX did. You can find above in the uploads copy of the letters from XXXX and XXXX who has DELETED such Fraudulent Inquiries from my Credit report as they found in their investigation that indeed XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report WITHOUT MY PERMISSION. Please note this is the second attempt to solve this issue with TransUnion.
Product: Credit reporting or other personal consumer reports

Please promptly block and remove the unauthorized accounts from my credit report. I did not create or approve these accounts and am unfamiliar with their origins. In accordance with XXXX XXXX, I request their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Bank account or service

I have been careful in ensuring that I do not incur Bank of America 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Bank of America will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!
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 tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AssetCare is attempting to collect on a debt that is not owed nor do they hold a valid contract for. Please find attached letters. I am requesting the CFPB investigate this matter.
Product: Debt collection

I have no idea what this pertains to. I have received numerous emails from this company. I have not authorized them to contact me via email. The email asks for me to enter personal information and I refuse to enter any personal information in order to receive the attached document. For all I know, this could very well be a scam.
Product: Debt collection

XXXX XXXX XXXX has purchased from HSBC credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates HSBC was sent funds agreed to to settle the debt, and then sent the debt to XXXX who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After I viewed my report, I see it contains incorrect and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these misleading accounts affect my credit score. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information from these accounts : XXXX XXXX XXXX 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

While I was using the popular app cash app my money was just taken for no reason by cash app and it just disappeared in thin air for no reason at all.
Product: Debt collection

I recently received a letter from XXXX XXXX XXXX. stating that the debt was valid all they provided was a letter they Typed up, and Like 4 or 5 bills. They did not provide no solid proof that this debt was mines no signature or ID showing that this was mines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX XXXX  and Equifax 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification.

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.