23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Throughout the month of XXXX, I was repeatedly called by representatives of Harris & Harris Ltd. in XXXX, IL. After calling back to determine what the reason for the calls were, I was told I owed nearly {$16000.00} in tickets to the XXXX, DC DMV and that they were collecting on their behalf. I sold the vehicle that received all of these tickets in 2018. The car is not mine, the tickets are not mine.

I subsequently mailed a letter to Harris & Harris using the mailing address on their website, explaining these details with a copy of the bill of sale of the vehicle. It was mailed on XX/XX/XXXX, using USPS Certified Mail and USPS confirmed delivery on XX/XX/XXXX. The letter also included a request to close the file immediately and cease all communications with me, per my rights under the FDCPA. On XX/XX/XXXX, I received another call from Harris & Harris, again attempting to collect a debt but using the word " amnesty '' and stating that I now only owed {$5000.00}. This is clearly a fishing attempt to get me to pay whatever they can get rather than closing the file due to it not being my debt. I was advised to send an email with the same information I had previously sent in my letter. I did so on XX/XX/XXXX and advised in that email that I would be reporting the illegal activity of Harris & Harris continuing to call me after a written request not to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO XXXX XXXX & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an amount {$1600.00} that appears in my credit report with XXXX XXXX XXXXrom XXXX and XXXX which does not belong to me. I had disputed this already because in about XX/XX/2021 we disputed this I believe it was something with XXXX XXXX XXXX. We don't owe XXXX & XXXX anything. We have our account with them in good standings and it's under my wife 's name. This is afraid in my account. When we called the collection company the information they have is nothing to do with me. they had the wrong phone number, address everything, except they have my name and last name. Please help me solve this issue. Thank you very much. 

XXXX XXXX XXXX Account Balance {$1600.00} Payment XXXX NameENHANCED RECOVERY COMPAN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX
Product: Money transfer, virtual currency, or money service

Someone access my mobile phone without my knowledge and used my Cash App to send {$5000.00} to their Cash App from my bank account ( my debit card was connected to my Cash App ). I discovered this about 12 hours later and immediately reported it to Cash App. I also filed a claim with my bank and a police report as I know the identity of the person who stole the money.

Cash App claims to have " investigated '' and rejected my claim roughly a day later. They never asked for any information other than the transaction details ( receipient, date, amount ).

Cash App 's reason for denying the claim was that they said the transaction was either made by me or by someone with my permission. I have no idea how they came to this conclusion. I requested documentation as to how they came to this conclusion but I have not heard from them yet. Cash App does not enforce any kind of PIN to send money ( I learned recently that you can enable that, but mine was off by default ). Cash App 's fraud department will not talk on the phone and it has been impossible to actually talk to someone directly at Cash App. They had no interest in the police report or anything else ( I tried to give them the report number ). Its clear they just auto-decline all claims.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are not authorized by me, and I believe they are the result of identity theft or fraudulent activity linked to the data breach. 
XXXX Accounts : XXXX. XXXX  XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$230.00} XXXX. XXXX  XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX  Account : XXXX  Date : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account : XXXX  Date : XX/XX/XXXX Amount : {$45000.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$650.00} XXXX XXXX : XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which   XXXX   XXXX   claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have   ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your c  ompany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA  807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Product: Mortgage

This is my XXXX complaint against Chase with regard to a repayment plan dated XXXX/XXXX/XXXX the first complaint case number was XXXX. The main point of that complaint was that the agreement stated that at completion of the repayment plan my payment going forward would be {$330.00}. However Chase started sending me notices that I was behind in my payment and were furnishing negative information to the consumer credit agencies. As the attached response from Chase to the complaint states they agreed with me that the payments would be {$330.00} and would contact the credit bureaus to amend the reporting. However now for some reason I am getting multiple phone calls and letters again about being past due on the account, threatening foreclosure, and again falsely reporting negative information to the bureaus. All of this is having a very negative impact on me both emotionally and financially. I received a letter from the Chase XXXX XXXX dated XXXX/XXXX/XXXX that basically states that they feel it was a misunderstanding that the original agreement made mention that my ongoing payments would be {$330.00} this is ridiculous and very unprofessional. They gave some erroneous explanation about interest rate changes that affected the payment but again no correspondence before ever addressed this potential change and I have attached XXXX recent letters from showing the received payments that contradicts what this is saying ( also attached are correspondence from from Chase giving contradictory amounts of supposed past due amounts ). It seems every time a payment is received it triggers a harassing call and additional letters, this is very frustrating and I want it to stop. I have completed the repayment completely as agreed and have never been late on the agreed to ongoing payment of {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, " Factual Data '' reported a fraudulent inquiry to XXXX which was not the result of any credit-seeking activity on my part. Factual Data informed me this was from XXXX XXXX XXXX. XXXX XXXX XXXX informed me this was from XXXX Mortgage. XXXX Mortgage XXXX XXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to Factual Data so they can move forward with removing the inquiry. '' XXXX at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). XXXX refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. Factual Data insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. XXXX Mortgage has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax onXX/XX/XXXX to dispute inquiries that I did not recognize on my credit report that they sent to me the week prior. They requested a police report and would not investigate the validity of these inquiries that are listed below : XXXX XXXX/XXXX   XXXX Did not authorize XXXX XXXX to pull my credit again on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXk XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX/XXXX  of 2017, I made my mortgage payment thru XXXX  thru a wire transfer. Fay Servicing contacted me on the last day of the month and stated I had to made by mortgage payment. I immediately gave permission to make a payment at that time. The next day was the XXXX  of the month, and upon checking my account, I noticed that Fay  Servicing had already been paid the previous month on the XX/XX/XXXX. I immediately stopped the telephone payment and contacted Fay Servicing to find out why the rep had lied and told me I was late on a payment, that had already been paid. Since that time, my rep has changed 4 times, and no one seems to be able to help me. Currently, I have 3 late  payments this year, and once I realized the discrepancy I immediately attempted to have an investigation done, to no avail. The conversations are recorded and I have all of my transactions documents. In the meantime, the payments are current.
Product: Student loan

I am talking to a realtor today and a car dealer. I am up for a swap in my car lease and my partner and I are looking in XX/XX/XXXX to move to XXXX household together and commencing planning. 

My relator and car dealership agent show me that Discover Student loans loan XXXX and XXXX are hitting me credit score HEAVILY. All my loans are paid early and significantly more then minimals and months in advance and have been for over a year now. 

Yet they are documenting that payments sent in together loand XXXX cleared on XXXX/XXXX/2016 yet same day sent in payment XXXX is STILL today XXXX/XXXX/2016 not processed. They do not mail invoice, balance cant view these online, nothing this is the third month in 2016 I have battled them on this. They take payment over what the payment terms are agreed to. Yet then play these games and my dealershipo and realtor told me my credit is being hit with " In the meantime, I would work with Discover to correct the information that they have on your credit report. Because they are showing as " profit and loss '', which is a term that means " uncollectible '' to a lender and weighs down your credit score in a big way, this affects what you qualify fo '' I have gone to Discover over this REPEATIVELY on the processing payments on loan XXXX and XXXX. I have gone to them on why cant I see the balance on line or in a mail bill monthly or calling your number? Why is this listed hurting my credit but for a year and a half now I have paid MORE then the requested amount and months ahead on payments? 

This is blocking me from getting into a car or looking at moving in with my partner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 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.
Product: Credit reporting or other personal consumer reports

According to my Equifax credit report, there is a statement indicating that I had a repossession in XX/XX/year>. However, after cross-checking with XXXX and XXXX, it is clearly stated that I do not have any repossession on record. 
This discrepancy is concerning to me as it may adversely affect my creditworthiness and financial standing. I kindly request that you investigate this matter and remove the repossession status from my Equifax credit report immediately. Additionally, I would appreciate receiving a copy of my updated credit report reflecting this correction. 
Enclosed with this letter are copies of my credit reports from XXXX and XXXX for your reference. These documents clearly show that there is no repossession listed on my accounts with these credit bureaus. Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. I kindly request that you investigate this matter and remove the repossession status from my Equifax credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

I have also submitted an affidavit of fact and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX is civilly liable for their gross negligence. Attached are the Demand of Removal Letter and signed affidavit of fact that includes the FCRA violations and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account ( s ) # Name : XXXX  XXXX  # XXXX, Name : XXXX # XXXX, Name : XXXX XXXX # XXXX, Name : XXXX # XXXX, Name : XXXX  XXXX  # XXXX, Name : XXXX # XXXX, Name : XXXX XXXX # XXXX, Name : XXXX  # XXXX, Name : XXXX XXXX  # XXXX, Name : XXXX XXXX  XXXX XXXX # XXXX, Name : XXXX XXXX # XXXX, Name : XXXX XXXX # XXXX, Name : XXXX # XXXX, Name : XXXX XXXX # XXXX, and Name : XXXX  XXXX # XXXX Code 15 USC 1681 section 602 A : States I have the right to privacy Code 15 USC 1681 section 604 A : It also states consumer reporting can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX of the credit companies, advised about an alert thru XXXX XXXX XXXX  company pulled my credit.
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 effectively 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to place or remove a security freeze of my Equifax credit report on their website ( my.equifax.com ). 

When attempting to lift a security freeze, I am redirected to a web page that requests me to fill out a form and send it to them via regular mail with additional identification information. I have sent the requested form to the provided address via regular mail more than a month ago, but have received no written or verbal response from Equifax. 

I have spoken to Equifax customer care over the phone twice about this issue ( XX/XX/XXXX and XX/XX/2018 ). They are unable or unwilling to resolve the problem and only offer to place or lift the freeze over the phone, which is time consuming. 

Federal law ( Economic Growth, Regulatory Relief and Consumer Protection Act ) requires credit reporting agencies to provide a web page where consumers can place or remove a freeze. Equifax is in violation of this law.
Product: Credit reporting or other personal consumer reports

It is not belong to me. It is fraud! This is causing me a lot of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXXXXXX ] Account INQUIRY  DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. INQUIRY ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an adjustable copper infused bed frame and mattress from XXXX XXXX 'XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. The bed and frame cost a total of {$1900.00} which was charged to a XXXX XXXX credit card I applied for on the same day of the purchase at the store. 

The store clerk said this bed frame and mattress would help to relieve my XXXX  XXXX XXXX and I'd wake up rested and refreshed. 

When the bed frame and mattress were delivered on XX/XX/XXXX I told the delivery person that this was not the bed frame and mattress I tried out and purchased because it did not look or feel the same as what I purchased. The mattress was in fact a foam mattress and the delivery person said that it would take 3.5 hrs for the mattress to fill up and expand. 
After 5.5 hrs the " mattress '' was still very soft to the touch and felt like a sponge and not a mattress. This bed frame and mattress were not at all what I ordered at the store and I have been asking the store to pick up their bed frame and mattress and issue a full refund to which they have stated they have a " no return '' policy. 

I was not able to call the store clerk on the day of delivery because I had to wait the 3.5 hrs I was told it would take for the mattress to fillup. I slept on the bed the night of the delivery and woke up the next morning with terrible XXXX XXXX so I called the store clerk to tell her I wanted them to pick up their bed. The store clerk told me that I had to sleep on the bed for at least 30 days so I can get used to it. I told her I would not sleep another night on this bed because it made my XXXX XXXX worse. The bed has not been used since the first night I tried it and I will never use it again. 

I have contacted XXXX XXXX 's customer service department and have found no help with this issue. XXXX XXXX has offered to change the mattress but it's not just the mattress I have a problem with but the whole bed ... .. this bed does not help someone like me with XXXX XXXX issues. I also contacted the credit card company ( Synchrony ) to let them know that I need XXXX XXXX to pick up their bed frame and mattress to no avail. All I want is to return this bed frame and mattress to XXXX XXXX and have them issue a full refund to the credit card. 

I have also filed a complaint with the XXXX  but XXXX XXXX still refuses to return and refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information and i want it updated and removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Transunion 's handling of fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my consumer report. Despite my compliance with all legal procedures, Transunion failed to remove the fraudulent accounts, citing, " Verified As Accurate. '' Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why these accounts were not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. I expect Transunion to complete its investigation and provide all requested documentation within the four-business-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated. Please reference my previous disputes as proof of submitting proper documentation required. On [ XX/XX/XXXX ] Complaint # XXXX and on [ XX/XX/XXXX ] Complaint # XXXX.