23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We had a credit card terminal that was presumed to belong to us. We paid {$100.00} for it back in XX/XX/XXXX. We quit using XXXX XX/XX/XXXX, but they say they never received notification the we ended. In XX/XX/XXXX they contacted us about returning the machine or pay {$450.00} for the machine that I thought we already owned. We said we would return the machine. 
We shipped the machine out and they received the machine on XXXX/XXXX/XXXX. We have been getting call after call from XXXX XXXX of Oxygen Recovery Group about a {$500.00} debt owed to Merchant XXXX. I call XXXX at XXXX XXXX at XXXX and he tells me it has been taken care of. XXXX will not call XXXX to verify, he just keep calling me. I told him and XXXX last time that if I ever heard from them again I would file a complaint and maybe sue them. Well today I get a letter from Oxygen Recovery Group again telling me I still owe and to pay or they will report to the credit bureaus. 
I WANT THIS HARRASSMENT TO STOP IMMEDIATELY. 
XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

XX/XX/XXXX REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Creditors account number XXXX EO Current balance {$31000.00} /Balance at divorce {$20000.00} XX/XX/XXXX To all concerned, Please be advised for the last couple of years we have been attempting to rectify wrongdoing. I represent My Daughter XXXX XXXX XXXX, I am on the contact list with her XXXX XXXX XXXX XXXX XXXX. The charges that occurred on this card were not made by XXXX therefore she should not be held responsible for this bill. 

In XXXX this account was paid in full and closed, sometime towards the latter part out of the 2016 year and the beginning of XXXX it was reopened without consent, knowledge and/or authorization. All charges that occurred during this time are fraudulent charges. This is what the card owner has been trying to inform yall of. There have been multiple requests of proof of these charges. 
When were these charges made? 
Where were these charges made? 
3, Where was any of the purchase delivered too if applicable? 

What was received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are bills not any proof of purchase, what was purchased and where it was purchased. I will repeat these are unauthorized charges and XXXX XXXX XXXX if being extorted by the federal government. 

These charges came to light during a messy divorce, and because XXXX XXXX XXXX knew these charges were made by him he agreed to pay the XXXX XXXX XXXX, and the debt was a part of the divorce decree. Unfortunately for XXXX and being ignorant of states and federal laws, and the fact that the divorce agreement was not honored by the credit card company. The victim of this fraud being exported for charges that she did not make and the astronomical interest that 'is accumulating. 

The request is that the account be settled for the original balance of {$2000.00} and proof of payment be forward to XXXX XXXX XXXX so that she is able to file a contempt of court order against the guilty party XXXX XXXX XXXX. MOST important, this account must be taken off her credit report expeditiously, Please review and advices, thank you in advance Respectfully, XXXX XXXX XXXX, XXXX ( representative for XXXX XXXX XXXX )
Product: Debt collection

I received an email today XX/XX/23 saying I owed {$480.00} for the purchase of Bitcoin through PayPal. I have never purchased any Bitcoin item and try to use PayPal as little as possible. Certainly not for this. I am not responding to the " bait '', but thought it should be reported.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of County of XXXX XXXX ( Child Support ) opened on XX/XX/XXXX ; XXXX  XXXX ( Credit Card ) opened on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Credit Card ) opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Account ) opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Collection Account ) opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX of Downtown on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent XXXX letter requesting documentations such as, XXXX. The original account number, XXXX. The original creditor, XXXX. The date the account was opened, XXXX. The date of my last payment, if any, XXXX. The amount of the original debt XXXX. An itemize statement documenting the debt amount you are attempting to collect, XXXX the purchase agreement. I requested those because another company is attempting to collect the same debt. They have failed to provide me with the purchase agreement each time I request, instead they are sending me statements. This is not ethical business practices, and they should be held accountable.
Product: Student loan

Bach in 2012 was demoted and had a pay loss. Was paying XXXX a month. Asked if I could pay XXXX. a month. Their answer no we can defer your payments. I borrowed XXXX for degree and have made payments until my pay change. I am now XXXX and owe XXXX. All interest because they wouldny accept any payment and eas never offered income based payments. I started to work  temp for 3 months doing taxes grossing 3,500 approximately.  I offered XXXX last year but they said no. I'm tired of this hanging over me and gave been on interviews but  no one wants to hire old prople. What can I do?
Product: Credit reporting or other personal consumer reports

This collection account by Jefferson capital systems has failed to prove its validity and violated my FCRA rights more than once. I have requested multiple times proof of debt and they have never responded because this account does not belong to me nor do I have any business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XX/XX/XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 2 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 2 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.
Product: Credit reporting or other personal consumer reports

I submitted a FTC report and company still refuses to correct my information instead they send letter stating i need to submit another FTC report or a police report for identity theft instead of removing the otrms off of my credit after i stated i Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I have not received any proof supporting this claim. Consequently, I presume that no valid proof of the alleged debt exists, and therefore, no such debt is owed. Also 15 USC 1681 ( b ) 604 ( 2 ) Permissible purposes of consumer report states my furnished a consumer report and no other accordance with the written instructions of the consumer to whom it relates
Product: Checking or savings account

On XX/XX/XXXX a check in the amount of {$35.00} was presented as an EFT to my Capital One 360 Checking Account from XXXX. This charge was unauthorized. 

The history behind the transaction is that I previously held a XXXX Checking and Checking Plus ( credit line ) account for nearly ten years. Due to a dispute with XXXX, I closed out both accounts in XX/XX/XXXX and made regular monthly payments, scheduled to be deducted on the XXXX of every month to pay off the Checking Plus balance. On XX/XX/XXXX, I made the final payment on the account in person at a XXXX branch, bringing the balance to {$0.00}. I followed up on that transaction by calling XXXX to ensure that there would be no further deductions from my account. I was assured that there would not be and was advised that it was not possible for their system to initiate because there was a {$0.00} balance. I accepted this as factual. 

Despite being assured there would be no further deductions, on XX/XX/XXXX, XXXX sent another EFT for {$35.00} to my Capital One 360 account. After contacting XXXX, I called Capital One to file a dispute. I provided the relevant information regarding the history of the charge and let the representative know that XXXX stated that they would be sending me a check for the deducted amount. My true concern, however, was ceasing any further deductions by XXXX. I was told by the Capital One representative that there was no 'real ' way to block XXXX from the account ( not accurate ) because they were using an EFT and the 'numbers could change ' with each initiation. The representative mentioned that there could have been an adjustment period for XXXX 's system since I made the final payment mid XX/XX/XXXX. This seemed plausible and since XXXX was amenable, I did not move forward with the dispute and a week later, XXXX refunded the charge and also sent a paper check in the amount of {$35.00}. 

On XX/XX/XXXX, another EFT in the amount of {$35.00} was deducted from my account by XXXX. This time they refused to assist and suggest I file a dispute with my bank. I filed a dispute with Capital One and they refused to investigate the transaction or even reach out to XXXX, stating that it 'appeared ' legitimate. I brought to the attention of XXXX, the security representative at Capital One, that this is not standard practice for an institution to refuse to investigate or to refuse to contact any merchant regarding a disputed transaction and in doing so, they are jeopardizing the security of my account. He responded with defiance and indifference and insisted that they had no obligation to contact XXXX, that was for me to do, and ultimately they will not be following up. He noted that I was more than welcome to close out the account and open another one,  however I declined and instead wish to terminate my relationship with Capital One once this matter has been resolved. XXXX eagerly closed two of my savings account and advised me to call back once the pending transactions in the Checking Account were completed and he will close that one out as well.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer
report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Mortgage

Refinanced a loan that I currently had with The Money Source Inc. I was told after all was said and done that my mortgage would be {$21000.00} from a previous {$2400.00} after I asked several times about insurance and taxes in which XXXX assured me that they were looking at everything and that would be my total payment. When I received my new payment which was in fact {$2300.00} which saves me about a XXXX dollars but added XXXX to my mortgage. I immediately called and was told it was a mistake and I would be getting a new payment booklet with my correct amount. Never received a new payment amount so called again and was told by XXXX that there was an underestimate on my taxes and my insurance was never entered which made the difference in my payment amount.
Product: Credit reporting or other personal consumer reports

My credit was ran by XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Unauthorized Credit Cards : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this credit card. 
XXXX. XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this credit card. 

Inaccurate Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) : This account, opened on XX/XX/XXXX, shows late payments for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments are inaccurate and should be corrected. 
XXXX. XXXX ( Account ending in XXXX ) : This account, opened on XX/XX/XXXX, shows a late payment for the date XX/XX/XXXX. This late payment is inaccurate and should be corrected. 

Personal Loans : XXXX. XXXX  XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this personal loan. 

Collections : XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 

Unauthorized Inquiries : XXXX. XXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 

I request that the CFPB investigates these issues and takes appropriate action to correct my credit report. Thank you for your assistance in resolving these matters.
Product: Credit reporting or other personal consumer reports

I can not accept your dismissal of my identity theft claim as merely an error or misrepresentation. You lack the authority to determine what constitutes a material fact. You are not empowered to act as judge, jury, or make such judgments. Your actions are unjustified. 

According to the guidelines provided by the Federal Trade Commission ( FTC ), it is explicitly stated that upon receiving an FTC identity theft report filed with a law enforcement agency, which includes the FTC itself, you are obligated to adhere to the law. 
This is your final chance to handle my identity theft request appropriately. Failure to do so will result in legal action, where you will be held responsible for the damage caused to my reputation, credit, and the emotional distress I have suffered. Your negligence regarding material facts will be clearly evident, and you will be required to compensate me for your careless actions. 
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

I am filling 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 proce 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 XXXX. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My credit cards were abruptly closed by Citibank after having collected over XXXX Thank You Points over many years of daily use. I have put almost of my spending on their credit cards over the years to accumulate such points and Citibank simply closed my accounts without telling me why and took away all my points. This is absolute stealing for promising a rewards program to customers and then once points accumulate they just close the accounts and take away the points without reason. This is absolutely wrong and very dishonest of them to treat a loyal customer like me. 
Having contacted Citibank, they refuse to provide any resolution other than providing me an address to write to. They stated the accounts were closed by Citi and the points were taken away as a result. The points are worth XXXX of dollars and I have spent so many years collecting them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had an account with American Express Credit Cards for over 6 months. I have had a {$10000.00} line of credit with them since opening the account. I have a {$4000.00} balance on the account and all payments have exceeded the minimum monthly payment due and have been paid prior to the due date, with no late payments ever. 
On XX/XX/19, I received an email informing me that they lowered my line of credit to {$4400.00} for no reason. I replied to the feedback link they sent in the email, as they wanted my feedback. I explained that this was completely uncalled for and an unfair business practice. I additionally asked about how to file an appeal and how that process works. 
I have received no response and would like this this looked into please. I have never had any missed or late payments on any of my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.