23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In my letter to Resurgent, I addressed significant inaccuracies reported on my credit file related to an account they are handling. These inaccuracies include inconsistent balance amounts, incorrect payment statuses, and conflicting dates of last activity, which have negatively impacted my credit score.

I formally requested a complete debt validation, including the original signed agreement, itemized payment history, and proof of ownership or transfer of the debt. Despite my efforts, Resurgent has failed to provide the necessary validation or correct the reporting errors, resulting in continued harm to my creditworthiness. 

I am seeking the immediate deletion of the inaccurate information from my credit reports and written confirmation that the issue has been resolved.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that XXXX XXXX XXXX XXXX added a collection charge off account on my credit report in the amount of {$4300.00}. The company stated the original creditor is XXXX XXXX XXXX. I immediately contacted the company and told them I never was allowed to secure a lease and this account should not be on my credit report. Upon contacting XXXX XXXX XXXX XXXX I was told that they would investigate this matter and remove it from my credit report. However XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX refuse to remove this fraudulent account from my credit report even though I provided them the e-mail denying me a lease.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that this account be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter. I filed a fraud dispute with XXXX and TransUnion who has refused to block this account from my credit file even though XXXX did so within 24 hours of receiving my dispute. I also tried to contact XXXX over the phone and their telephonic process makes it impossible to speak with a person. After submitting my dispute electronically through their website I received a response in 24 hours that the account would remain on my credit report with no explanation. XXXX also did not provide me with a signed contract or proof of this account. According to 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Debt collection

I was reviewing my account and seen THE CBE GROUP # XXXX collection inserted on my credit report. I never received any information about this bill and never had a chance to dispute the information. This has impacted my credit report and score and I'm not very happy. They should be sue

d as they are i n violation of my rights and causing me issues. Please provide the Validation of Debt and Method of Verification for t his account. This does not make sense how companies are allowed to as such and effect you in negative way. I have no idea of what this account came from ... 

The dates do even make sense. Opened on XX/XX/XXXX, but opened on XX/XX/XXXX. That sounds a little backwards to me.
Product: Credit reporting

In XXXX, I lived in XXXX. I had never made enough money to be required to pay XXXX state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that XXXX was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew XXXX would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The XXXX FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, XXXX days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my XXXX credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what Experian shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )
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 customer financial protection act. 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 and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Dear CFPB, I am writing to dispute a debt being collected by [ Jeff Capital Sys ]. The collector failed to provide the legally required validation notice, depriving me of the opportunity to dispute the debt within the 30-day period under the FDCPA. Additionally, upon reviewing the records, I discovered numerous discrepancies, including inaccurate amounts and questionable account details. 

The failure to notify me properly constitutes a violation of my consumer rights. I respectfully request that you investigate these violations and take appropriate action. Please ensure that this debt is not reported to credit agencies until verification is complete. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Dear Citibank Support Team, I am writing to formally dispute a XXXX XXXX XXXX transaction for {$78.00} that first appeared on my Citibank credit card on XX/XX/XXXX. This charge was contested as fraudulent because my card was compromised and used without my permission, yet my credit card was not closed following the dispute. It is important to note that best practices in fraud cases recommend closing compromised cards to prevent recurring fraudulent charges. Citibanks failure to do so left my account vulnerable. 

On XX/XX/XXXX, the same unauthorized {$78.00} charge reappeared on my account. Under the Fair Credit Billing Act ( FCBA ) and other relevant consumer protection statutes, Citibank is obligated to block reoccurring fraudulent charges once it has been made aware of unauthorized billing activity. The fact that the merchant was able to re-bill my account despite the initial dispute indicates Citibanks failure to take appropriate action to protect my account from further fraudulent transactions. 

Again, on XX/XX/XXXX, I was billed a third time by XXXX XXXX XXXX for {$78.00}, even after disputing the XX/XX/XXXX charge. This demonstrates negligence on Citibank 's part, as I had already notified the bank of this issue. Under the Electronic Fund Transfer Act ( EFTA ), Citibank is required to investigate and prevent recurring fraudulent charges after receiving notice from the cardholder. By allowing the fraudulent charge to reappear, Citibank has not complied with these statutory obligations. 

I have attached a statement where Citibank declared the {$78.00} charge valid, yet the bank has been unable to provide any documentation to substantiate this claim. As per the FCBA, Citibank is required to supply documentation validating disputed transactions, which has not been done in this case. 

I am requesting that Citibank correct my account balance to reflect {$0.00} and reverse the {$78.00} charge. According to the terms of my cardholder agreement, I am not responsible for fraudulent transactions, and I expect Citibank to resolve this issue in accordance with applicable laws and regulations.
Product: Checking or savings account

Hello On XX/XX/XXXX made a wire transfer by mistake to someone that also a wells Fargo customer on the XXXX the guy that I originally was going to call me to inform me that he didn't receive that's when I discovered I sent it to the wrong person I then contacted wells Fargo said it could take up to 14 days which meant the XXXX max I called back to inquire very rudely speaking to me with no answers I asked to speak to someone in their executive office and that's when the lying and deceiving started I called them 2 or 3 times always with the lies that some when will call the agent handling your case is on a conference or he has a problem with his internet giving me different names 1 ) XXXX XXXX they promised me on 3 different occasions That he said he will call back but never did I have been a customer with wells Fargo since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions ( see attachments ), I sent a dispute letter to Experian disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me.

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did Experian verify this account?

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.
Product: Payday loan, title loan, or personal loan

Paypal solicited me for their Paypal credit. I applied & was approved for a {$3500.00} line of credit in XX/XX/XXXX. I used this line of credit once for {$29.00} and with XXXX for {$280.00}. 
However, every time I attempted to use my line of credit after I was either denied or informed the merchant does not accept Paypal credit for my transaction, This was false information as the merchants all accept paypal credit. I would be forced to contact support who also would provide false information to me. I would wait a few days initiate the same purchase and sometime they would process. Finally Paypal would admit my line of credit use was restricted but refused to tell me why. I would request my complete dossier Paypal has created for me and Paypal refuses to provide that.

In Summary Paypal has restricted my use of the line of credit and refuses to inform me why. 
XX/XX/XXXXI linked a checking account and made a payment. However, since XX/XX/XXXXI have been  unable to link that same checking account therefore unable to make a payment. Paypal provided me other options but those also will not process for me, It seems Paypal has now restricted my from all online options to make a payment but refuse to inform me why, I have emailed support at least 6 times about this and they do not respond. Paypal has breached out contract in so many ways and I have since filed a lawsuit in the XXXX district court XXXX Mi XXXX. In the meantime my account payment is late but I have no options to pay and Paypal refuses to answer any of my questions. 
This is literally insane!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is happening with Equifax, 45 days ago I filed a dispute with Equifax on some hard inquiries. The very next day they dropped my credit score 64 points. It came up 28 points the next month. 18 days ago I filed a dispute with Equifax again over the same thing and they dropped my credit score 82 points the very next day. In both complaints it took approx 17 days to investigate. Why did my credit score drop the day after the dispute. I have tried multiple times to get thru to them with different phone number with negative results. My name is XXXX XXXX address is XXXX XXXX XXXX Ga XXXX phone is XXXX.
Product: Consumer Loan

I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Was new customer. Open a checking account with company ( Huntington Bank ). They close my account without proper cause. Account was open on XX/XX/year> and closed on XX/XX/year>. A direct deposit amount of XXXX was deposited into the account on XX/XX/year> from employer ( XXXX XXXX ). Attempted to withdraw the amount in side branch. Was told that they couldnt release the funds. Account was closing and a cashier check would be mailed to me at the address I provided. Reached out numerous of times XX/XX/year> XXXX at XXXX spoke to someone by the name of XXXX XXXX who stated she will note the account and my cashier check should be on the way. Spoke to someone on XX/XX/year> at XXXX by the name of XXXX who also stated he will note the account and will reach back out to me in regards to the matter. Spoke to a supervisor on XX/XX/year> who said I should have received it however she could see that it is still in on hold in the close account. I have had hardship and went through a XXXX XXXX regards to this matter
Product: Mortgage

I'm with Habitat for Humanity XXXX XXXX Tn. They have threaten to start foreclosure procedures on my house on XXXX of XXXX. This is how we got here. I made XXXX XXXX XXXX release from the bank XX/XX/XXXX. They were putting things on my credit I already paid, they were charging me escrow shortage charges every yr. Even though taxes or insurance hadn't went up. Then I found were they added money to my mortgage loan when I started asking questions about my escrow ( didn't find out thru them I found it on my credit ) After I was released from the XXXX the director of Habitat for Humanity XXXX XXXX XXXX said she would find me another loan servicer and not to discuss my loan/ mortgage information with any other homeowner next time. Well I never received another loan servicer and ever since then I have been paying habitat for humanity. About 3 months ago I sent certified letter to XXXX XXXX for her to produce a ledger of what I've been paying and a copy of my mortgage documents. She sent the ledger but can't produce my mortgage documents. She gave me as my mortgage documents 2 deeds onXXXX saying I own the house and another deed. A promissory note and little more things but definitely not the documents I signed at closing. When we closed on our house we didn't get a chance to read anything they basically had pages marked for us to sign and told us what we were signing cause I definitely would've asked why the deed showed I already own the house. Now presently my loan is no longer on my credit and shows paid off with XXXX XXXX XXXX not written off. Everyone knows Trump and Biden put in place programs to stop the foreclosure on people 's home. I was out of work in XXXX and needed the assistance. Well in order to get the assistance you have to have a loan servicer. So habitat wanted me to falsify documents about them being my loan servicer in order to get the assistance and I'm not willing to do that. XXXX XXXX asked me if I had problems filling out the XXXX Mortgage Assistance application I told her yes the loan servicer part. Another lady who works with the habitat told me to call her and she would tell me what to put in. I told her if they were really my loan servicer I would know what to put in and no one would have to tell me. XXXX XXXX said she would have to give board over the habitat something that shows I applied if not she would start foreclosure procedures. I told her start them because I was not going to falsify documents. Btw the letter I received from the attorney has I have been in default since XX/XX/XXXX till XXXX XXXX when actually I've on been in default is XXXX and have the receipts to prove it. Everything I have have said I can back up with documents screenshots and emails. Haven't spoke with XXXX XXXX over the phone in almost 2 years all emailing.
Product: Checking or savings account

I bought 50 % of a tavern on XX/XX/XXXX. An employee of Wells Fargo notarized the sales contract and added me to the Tavern 's business bank account. The previous partner had to personally come into a branch of Wells Fargo and sign off to be removed from the Tavern 's business bank account. Wells Fargo sent me a debit card for the joint business bank account. My business partner began stealing money as soon as I deposited it into the account on XX/XX/XXXX. I realized buying half this tavern was a mistake & saw an attorney, who set up an appointment with the district attorney. While under investigation, my partner went into a branch of Wells Fargo in early XX/XX/XXXX and told them I was no longer a partner. Wells Fargo did not contact me and did not ask me to sign off the account. ( which I would NOT have done because I'd paid {$20000.00} six months prior to buy half this business & I was a 50 % partner & joint owner of the bank acct ) I could not get into the account online so I went to the branch of Wells Fargo we used. I was told I had been taken off the account & when I showed the teller my debit card, she grabbed it and said you are no longer on this account. Wells Fargo had no business removing me from the bank account, or taking my debit card. My business partner changed the locks on the tavern ; the district attorney decided this was a civil affair & I did not have the money to pay another lawyer. My partner ran the business into the ground by pocketing the proceeds over a period of nine months & I could not do anything because Wells Fargo removed me from the business account I owned jointly and had never signed off of. 
I am not attaching bank records because Wells Fargo already has them. I have all the original POS slips & receipts from XX/XX/XXXX through XX/XX/XXXX which shows the profits of the Tavern & they will be shown to Wells Fargo or to a lawyer.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries from " Wells Fargo Card Serv '' dates XX/XX/year> and XX/XX/year>. I have reached out to this bank after them stating they would reach out to the bureaus to have them removed I have not seen any change to my report.