23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent Accounts : XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX - Account XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$4300.00} XXXXXXXX XXXX  - Account XXXX in XXXX - Opened : XX/XX/XXXX - Balance : {$6800.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} Fraudulent Inquiry : XXXX - Inquiry Date : XX/XX/XXXX
Product: Debt collection

Jefferson capital sent me a notice of a XXXX phone bill XXXX. I never had XXXX phone. I requested validation of the debt. Jefferson capital only sent me a statement showing the balance. Not the original contract with phone company XXXX XXXX.
Product: Debt collection

XXXX trying to charge me for shipping charges on a shipment they lost. Total amount of the charge was {$320.00}. I just received another threatening letter from them. The XXXX invoice date on my account XXXX is XX/XX/2022. I filed a claim with XXXX  on XX/XX/2022, original claim number is XXXX. I did a screen shot and made a pdf of the on line form for this claim because the on line system locked up every time I tried to submit it. There are other claim numbers that XXXX assigned later : XXXX is one of these. The credit card statement came and the charge was on there. It was disputed : XXXX 1 claim # XXXX. All supporting documents were sent to the credit card company and they made an adjustment amount of {$320.00} to the card : reference # XXXX. The credit card company has refused payment for the charge. My material supplier reimbursed me for the cost of the material already and filed a XXXX claim on their end. Since I had the material charged to my XXXX account, I had to file a claim for the shipping amount from my end. 

As of this date, EGS Financial Care , Inc., a collections agency has contacted me 3 times on this matter, I submitted the proof of non delivery by XXXX each time. Now XXXX is still trying to collect on this one. 

I have attached the non delivery notice and the original claim docs here. There is about a dozen more, a testament to the total run-around they gave me. If you need all of it, I can send them. The non delivery notice is the big one.
Product: Credit card or prepaid card

I booked a roundtrip flight on Chase Travel - from XXXX XXXX to XXXX. The outgoing flight was XX/XX/XXXX - returning on XX/XX/XXXX. I took the first part of my flight on XX/XX/XXXX - when I arrived to the airport on XX/XX/XXXX - I was told by the airline that Chase had never issued me a ticket for the flight and I could not board or rebook because I had no ticket. I called Chase and was told it was an agent error and the agent had not issued a ticket to the airline for my return portion - even though I had PAID for it back in XXXX. I subsequently missed my flight and had to be put on a flight the next morning - XX/XX/XXXX. I had to spend a very expensive night in XXXX ( because it was XXXX XXXX XXXX ) and there was little accomodations. I have gone back and forth with Chase and they have told me I am not entitled to a refund for my flight ( even though I was charged for a roundtrip flight and never received the portion back ). I never received service for my flight on XX/XX/XXXX and was not given a refund - so this charge is fraudulent. 

Charge : XX/XX/2019 - {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I want to say that Capital One Auto Finance is a great company and it has been a pleasure doing business with them for many years, however they have been reporting inaccurate derogatory information to my credit file which is damaging to my credit score and reputation. I had an auto loan with Capital One Auto Finance that shows inaccurate late payments. I don't recall ever paying this account after the due date. I have asked Capital One Auto Finance to correct this information but they state that they confirmed that the late payments are correct. They have not supplied me with any documents, such as signed and dated cashed checks or any other physical documentation containing my signature showing when payment was due, when payment was made and when payment posted. Capital One Auto Finance is also out of compliance with the Federal Fair Credit Reporting Act specifically in that they failed in their duty to notify me regarding their reporting negative information with regards to FCRA 623 ( a ) ( 7 ) ( A ) ( i ) and also failing to notify me within the given time frame with regards to FCRA 623 ( a ) ( 7 ) ( B ) ( i ). Capital One Auto Finance has also not conducted a " reasonable investigation '' that would remove any doubt of the accuracy of this information they are reporting to the credit bureaus as outlined in the FCRA 623 ( a ) ( 1 ) ( A ). A copy of correspondence from Capital One Auto Finance to me is attached to this complaint. At this time, I would like Capital One Auto Finance to update this account to a Paid/Never Late status on my credit reports as they can not verify that this information is accurate.
Product: Debt collection

Williams & Fudge Inc. Phone number XXXX has continoiusly called me while at work, after I have told them numersous times the hours I work, yet they have continued to call me for months. 
I can see in my recent call log a phone call on Friday XX/XX/XXXX, Monday XX/XX/XXXX and today XX/XX/XXXX. 

Its almost daily that they call me despite me telling them when I am available outside of work.
Product: Debt collection

This debt is not mine. I have managed to remove the debt from XXXX and XXXX. However, XXXX  will not allow me to keep disputing the amount. I have tried to tell the company that it is not my debt, but it has become a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report
Product: Checking or savings account

XXXX XXXX : XX/XX/23 USBank debited my checking account {$5000.00} without my approval. 

XX/XX/23 USBank again debited my checking account another {$5000.00} without my approval. 

STEPS TAKEN TO RESOLVE : XX/XX/23 Contacted USBank via phone. USBank said they would investigate. I was told that it will take until XX/XX/23 for the claim to process, and they would get back to me, or that I should call back again after that. Agent indicated that she had put a block on my account for the amount of {$5000.00} so to preclude another unauthorized debit. I seems she recognized that there was a problem. 

XXXX XXXX XXXX with branch manager and explained the situation. She made a long call to accounting then said to wait a few days for the outcome. 

XX/XX/23 Followed up by phone. No resolution. 

XX/XX/23 Met with branch manager again, after ANOTHER {$5000.00} was debited from my account. She assured me that they would be able to get an accounting of the missing {$10000.00} one way or another. More phone calls to accounting. 

XX/XX/23 Branch manager called and gave me a claim number. Said I should wait XXXX days then they would get back to me, or that I could call them. 

XX/XX/23 After once again not hearing anything from USBank, I called in. The agent said that there was no indication that anything had been done to resolve this issue. She conferred with her supervisor and they tried to get ahold of their adjusters but couldn't make contact. So she sent them an email, and told me to wait another XXXX days, and that they would contact me. Or that I could call them. 

XX/XX/23 No word from USBank. Never received a callback, even though I was told several times to expect one. Spent hours on the phone with their accounting department, every time having to re-explain the problem. I don't think that there is a path to resolution open to me through USBank. 

XX/XX/23 Opening incident with CFPB.
Product: Credit reporting or other personal consumer reports

Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with XXXX and Experian. Both agencies are incorrectly reporting late payments on my XXXX XXXX account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX XXXX on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with XXXX and Experian, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation. 

The improper disclosure and inaccurate reporting of this information are damaging my XXXX XXXX and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA. 
I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX of XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

no responds from company or additional information on how to resolved issue half answer from XXXX XXXX still was notified of any changes or updates
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late/Closed Inquiries in Dispute : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : 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 provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( XXXX ) to seek their assistance in resolving this issue. the fraud accounts are showing and I sent you a police report
Product: Money transfer, virtual currency, or money service

I have been communicating with my bank, XXXX, because paypal has been making unauthorized withdrawals from my account. XXXX took care of this fraud and had the money returned. 

They also notified me on XXXX XX/XX/2019 that paypal had set up a " recurring monthly charge '' of over {$400.00} from my XXXX acount WITHOUT AUTHORIZATION OR PERMISSION. XXXX has set up an automatic debit stop payment since I never, ever transferred money TO paypal from my account. 

I did not know paypal had done this. I never gave them consent or authorization to take money from my XXXX account. Because XXXX has restored the money fraudulently taken and put a stop payment on them, paypal is trying to say I owe THEM money and my account with them has a negative balance! 

This is wrong since I had about {$160.00} in my paypal account BEFORE they tried stealing money with the unauthorized automatic debit. 

I have tried repeatedly to get someone assigned to this matter to communicate with me to resolve it, and paypal has steadfastly ignored my every request.
Product: Money transfer, virtual currency, or money service

XXXX Deposited XXXX seperate cash deposits to trade on the platform. They close the account hours after the XXXX  deposit clears my bank. No notice, no explanation, no email. I didnt even know the account was closed until I tried logging in. They refuse to respond to me, they refuse to give me my XXXX back. Nothing is working.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto insurance account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX BALANCED {$830.00}
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. Also the debt does not have the same information on the XXXX and the experian credit report. One says a payment was made in XXXX, the other doesnt. Please see this is inaccurately reported
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXXwo parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly, they violated my rights.
Product: Debt collection

I check my credit monthly on creditkarma.com just to make sure nothing unusual pops up. When I saw a debt for comcast I disputed it. Over the last XXXX weeks I 've been trying to contact Enhanced Recovery to verify the debt and show proof of return to XXXX. However if you get in contact with someone they immediately hang up. Also they have a pre-recorded message that just loops and eventually hangs up.
Product: Checking or savings account

On the night of XX/XX/2022, I lost my Chase debit card and cell phone while visiting XXXX XXXX, Louisiana. In the early morning of XX/XX/2022, someone withdrew unauthorized a total of {$9500.00} from the stolen card at multiple locations, including Chase ATM, XXXX, and XXXX XXXX, etc. I reported the unauthorized activities to Chase Fraud Department immediately after the discovery on the morning of XX/XX/2022. I provided evidence that the charges were indeed unauthorized by me by including the alert emails Chase sent me, my police report, and a witness statement, I was with my boyfriend the entire time when the incidents occurred. JP Morgan Chase, however, ignored the mounting evidence that the charges were indeed unauthorized and denied my claims multiple times. They cited that the person used the correct PIN to conduct the unauthorized transactions, I never voluntarily shared my Chase debit card or PIN information with anyone, nor did I authorize anyone to use my card to conduct these transactions. When I asked them to prove these transactions were authorized by me, they declined my request. Therefore, the bank has failed to prove the transactions were indeed authorized by me, they acted against consumer protection law and its own terms of service.
Product: Checking or savings account

There was {$1000.00} fraud on my account. No pin & no signature. Chase refuses to credit. 
I report 5 cases 5 months ago Chase dies nothing about also. I spoke with executive office and they said need to report but they still do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax and XXXX regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA 15USC 1692 ( e ) and 15 USC 1692 ( f ).
Product: Credit reporting

I wrote Experian in XX/XX/XXXX with concerns about errors on my credit report. They have failed to respond even though compelled by law!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached my personal identification including my insurance information. I am who I say I am, please do not send me anymore STALL letters.
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 ( CFPA ). Cash app failed to take timely and effective measures to prevent an 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I filed a chapter XXXX my attorney sent out notices we file in XXXX iI told the XXXX XXXX XXXX and XXXX the collection agency of the bankruptcy, I gave them my attorney 's contact info. They stopped calling then they started sending mailing, again i told them they should have responded and to contact my attorney. Now i see it as a collection on my credit report. 
They need to remove it. 
XXXX
Product: Student loan

Nelnet has misreported my enrollment data which has prevented me from consolidating 2 student loans in the last 3 attempts. 

consolidation attempt 1 : XX/XX/XXXX consolidation attempt 2 : XX/XX/XXXX consolidation attempt 3 : XX/XX/XXXX ( 1 XXXX XXXX XXXXXXXX XXXX and ( 2 ) Loan XXXX AR both currently XXXX appear in the plaintiff 's Nelnet account ( " XXXX A '' ) as having an " in-school '' status. 

-These loans were taken at XXXX XXXX XXXX where I haven't attended since XX/XX/XXXX. 

-I called XXXX XXXX XXXX who has confirmed they have been reporting me as not enrolled there since XX/XX/XXXX. 

-I called and created a case with Nelnet and for over a year they have neglected to correct the issue. 

-I initiated a lawsuit against Nelnet and they still are neglecting to even address my issue but instead have filed a motion to dismiss the case without fixing the problem. Their Counsel seems to not be understanding the issue and stated that my loan is not in repayment status when I clearly explained in the attached complaint that my 2 loans from XXXX XXXX have wrongfully been classified as in-school status since XX/XX/XXXX even though I'm no longer enrolled there. 

-The problem is on their end as they need to resolve the error in their system that has me classified as enrolled in XXXX XXXX so that the loans can be included on my most recent consolidation. 

-I 'm uploading the court filings including : the complaint, the exhibits and the reply I received from Nelnet General Counsel.
Product: Debt collection

I am writing as I can not afford to pay this bill. There was water damage in my home, and it is under mitigation with the insurance company. They have removed countertops and my kitchen sink. I have not had a kitchen sink for a few weeks now and I am working with my insurance company. Not sure if all of the mitigation will be covered and if all of the reconstruction of my kitchen and dining room will be covered. Please stop calling me and send everything in a letter for contact to me. I will need a Debt Validation Letter from you. I am requesting the original contract with the original creditor with my signature on it. I will need the payment history with the original creditor. Provide me with the Proof of debt assignment within 30 days.