23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX on XXXX XXXX XXXX and my claim was denied for XXXX XXXX DUE me using my credit card ending XXXX in the amount of XXXX I did n't make this purchase my son too my card without my permission and made this purchase I do n't have this card anymore due to recent fraud been going on on this card I told the bank at the branch I did n't make this purchase and Bank of America will rebilled me on XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I write to call attention to incident that occurred by Chase Bank employees and loss prevention department of Chase Bank.I received a settlement check from a lawsuit in the amount of {$160000.00} The check was written on XXXX XXXX XXXX. I deposited my check into my personal account on XX/XX/17 I was concerned that the check had not cleared and called and was informed by several Chase employees ( XXXX, XXXX and another gentleman ) that my check was forwarded to loss prevention because my law firm '' had a history of bouncing checks '' and that Chase had put a hold on my account and since they cant verify the check my account was going to be closed on Friday XX/XX/2017 and the check was going to be returned unpaid. I called my law firms bookkeeper and lawyer and explained to them what Chase employees had told me in regards to my deposit and received a copy of my lawsuit check from them which cleared on XX/XX/2017 the day after I deposited it. I also immediately contacted the bank branch manager ( XXXX ) and advised her that I was told that the Chase employees had used XXXX to research my lawyers firm and noticed that his firm changed his name last year. Chase policy is not to allow employees to verify funds using the internet research rather than calling the issuing bank. The law office has no history of bouncing checks.I had to go into the bank on XX/XX/17 with the copy of the cleared check and have a three way call with ( XXXX ) Law-firm bookkeeper and loss prevention.The law office was able to clear the check after going back and forth with the employees. The law office wrote a letter to XXXX XXXX ( Chase market director )  and wanted an explanation about the conduct of the employee and the loss prevention department. I received a reply about deposits holds and that they could not verify the actions of the employee and had no record of any of several phone calls to the bank. ( I do have phone records of all calls to the bank ) I was discriminated agaist by Chase Bank because I am an XXXX women.
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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX reports that Citibank is sending them information that the following address is associated with my card account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, Citibank is sending them incorrect city name ; the correct city name is XXXX XXXX XXXX Can you make that correction to the data you send XXXX please?
Product: Payday loan, title loan, or personal loan

They did not disclose interest charges. The interest charges are 644 % which is an absurd amount of money to be charging for a {$750.00} loan. I had to pay {$2100.00} to close out the account for a {$750.00} loan for a loan I took out in XXXX and we're in XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I loaded {$300.00}. When I went to spend it online, all my charges were declined. 
I called and XXXX said it went to fraud dept but they wouldn't tell me what was going on or what the charges were. I told him to just close the account if I can not spend my own money. XXXX closed the account and told me it would take 7-15 business before I received my refund check. 
On XX/XX/XXXX I called back and spoke to XXXX. She said the check was processed on XX/XX/XXXX to give it 48 more hours. 
On XX/XX/XXXX I spoke with XXXX, she said check was mailed XX/XX/XXXX. A specialist would call me by XX/XX/XXXX. No call and still no check. 
On XXXX XXXX said they cancelled the first check and were issuing another # XXXX I told her I wanted to speak to a manager. SHe left me on hold & eventually the system kicked me out. 
I called back and DEMANDED to speak to a manager. I got XXXX who said she was a supervisor. She told me somebody would call by XXXX to issue a check TODAY. No call AGAIN. 
I called back again on XXXX XXXX, another supervisor, said he was waiting on a computer update about my mystery check they allegedly sent. A specialist would call within one or two hours. 
I am writing this on XX/XX/XXXX, six weeks after the initial fiasco began and still no check. 
I will follow up this complaint with as many complaints and agencies I can find today. This has been a nightmare experience met with foreigners and incompetence answering the phones and repeating the script like good little slaves. 
The desired resolution is the return of MY MONEY into MY ACCOUNT. NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged-off XXXX XXXX XXXX credit card on my XXXX, TransUnion and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted, on several occasions, through several methods, to unfreeze my credit score with equifax. The other two credit agencies unfreeze process was flawless. 

I attempted to go through the equifax " manage freeze '' website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/ However, I had to reset my password. Several attempts, on several different days to reset it did not work, the " send me an email link to reset password '' did not work. 

Next step, I called equifax, navigated through the extensive phone identification process, got to the end and a message said, we can't help you, please call back during our business hours or go to our website, and abruptly hung up. 1 ) it was during their normal business hours!, and 2 ) the website was the problem I was calling about. 

To twist the knife, they said I would be able to take part in a " satisfaction survey '' after the call and it wouldn't even do that ... they just hung up. 

Long story short, equifax has made it impossible to unfreeze my credit.
Product: Debt collection

Filed consumer complaint against midland credit management with NM attorney general, the complaint, acknowledgement letter and response from midland attached. In response to complaint Midland admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in midland 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however midland instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response Midland failed to provide evidence as requested in the complaint regarding the validation of this debt. Midland ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to midland 's negligence and violated my rights as set forth in FDCPA.
Product: Credit reporting or other personal consumer reports

I requested information from Victoria secret, validation of debt and cease and desist. I have not received anything by mail, I have not received an explanation or anything and I requested the information on XXXX/XXXX/XXXX. When I had called I was told to contact XXXX XXXX  because thats who sold the debt too. so I requested validation of debt and never received anything they removed the XXXX XXXX  account from my credit report as requested HOWEVER I did not get the proper validation letter for the XXXX XXXX debt in general outside of the complaint I did with comenity. I then reached out to comenity on Friday and wanted to speak with someone in regards to the two accounts reporting. One account was XXXX which was an account that was reported on my credit report. Then it was another account opened same day but a different account number- XXXX. The representative told me that the account numbers are the same because when Victoria secret updated their cards with chip they changed the account number and stated that it was inaccurate so they removed the old account XXXX from my credit, The complaint comes in where she went over the account and I stated that I did not open his account because round the open date I was In XXXX. The account was opened in XX/XX/XXXX I was in XXXX  and did not move down to XXXX  until about XXXX of XXXX, When I had advised her of that she stated it would be fraud. Now due to the fact that I stayed at the address for three days prior to me moving to the address I informed her believe I know who did it however I was unsure of who it was I jus know I DID not open that account, and I provided my information and my time from around when account was opened and she informed me payments were made and I informed her there no way I opened and used this card in XXXX  if I was in XXXX  the whole entire time, I provided my XXXX  id which I have because stayed in XXXX  for almost 5 years since. I did not open this account at all. I have a ftc report and more and this needs to be removed from my credit report. FCRA 605B ( 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 days! This account does not belong to me and I sent he information in along with my id and its still on my report. Below I will attach my etc report and validation debt letter I sent it in to XXXX for Victoria secret and received nothing back for validation. Will also attach the below response of them stating they are reporting correctly when they are not and that they will cease and desist but they are still reporting to my credit which is a form of communication. Needs to be removed immediatelycommunicaiton
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I was contacted on XXXX/XXXX/2014 by the Medical Business Bureau ( MBB ), a debt collections agency, and was told that I owed a hospital bill for an ER visit to XXXX XXXX 's XXXX XXXX XXXX in XXXX TX for the date of XXXX/XXXX/2014. I was told by MBB that my insurance at the time, XXXX, paid {$110.00} towards this amount and the remaining balance ( {$700.00} ) was my responsibility. When I asked for a bill listing each charge, MBB could not provide it to me and said I should have already received the bill from XXXX XXXX XXXX, the medical billing company that handled separate charges for the ER visit on XXXX/XXXX/2014. When I contacted XXXX XXXX XXXX, they said that the address they received from XXXX XXXX 's XXXX XXXX XXXX, and the address that they sent their separate billing charges to, was also XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tx, XXXX. Still, I must stress that I had not lived at this address for 2 years at the date of service, but they still forwarded the bill to the outdated address. The debt was then sold by XXXX XXXX XXXX to MBB who then contacted me by phone to collect the debt. The amount of the debt XXXX XXXX XXXX said that I owed was {$440.00}, but when they sent my debt to collections ( MBB ), MBB said that I owed {$700.00}. How could I owe MBB {$260.00} more than the debt that XXXX XXXX XXXX said I owed? Was MBB charging interest on the debt that they collected from XXXX XXXX XXXX? 

I contacted XXXX XXXX 's XXXX XXXX XXXX and they admitted that they forwarded the bill to an outdated address. I asked XXXX XXXX 's XXXX XXXX XXXX why they did not contact me by phone, mail, or email to confirm my address for the bill. I know at the date of service that I gave XXXX XXXX 's XXXX XXXX XXXX my most current address, XXXX XXXX XXXX . XXXX . XXXX, XXXX, Tx, XXXX. For some reason, XXXX XXXX 's XXXX XXXX XXXX had XXXX XXXX XXXX. XXXX . XXXX XXXX Tx XXXX on file for my guarantor, my father. When they did the billing for the XXXX/XXXX/14 visit, they sent the bill to an outdated address. This amount in question ( {$700.00} ) should have never gone to a collections agency. I am beyond upset with XXXX XXXX 's XXXX XXXX XXXX for billing me to an outdated address and also upset with XXXX XXXX XXXX for billing to the same outdated address. I have already contacted MBB through a complaint with the XXXX and they are issuing me a refund and closing my account with them, but I am submitting this complaint to make other people aware of the medical billing errors that XXXX XXXX 's XXXX XXXX XXXX and XXXX XXXX XXXX made. A billing error that has caused me months of stress, frustration, and numerous calls of harrassment from MBB to collect this debt. I will not use XXXX XXXX 's XXXX XXXX XXXX XXXX or any affiliate again in the future. I will also post to every consumer protection agency I can about the serious inconvenience that I have had to deal with for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my twin sister 's cerdit has been merged. We both have the same initials date of birth and other than the last didgit of our social we have the same everything. when my sister go on experian it shows her name and social and my name and soical, when I try to look at my cerdit it doesn't show me anything at all. we have both contacted multiple compinies to try and get them seperated when it comes my twin she was able to talk to someone but they didn't do much. As for myself, no one will speak to me becuse they say they can't comfirm my idenity. They ask questions that pertains to my twin, I can't do anyhting at all no apartment no car no phones not even a bank account etc. I dont think anything has been done on the company 's end.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance {$200.00} XXXX XXXX Balance {$390.00}
Product: Debt collection

My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with Citibank that had been sold to XXXX XXXX XXXX XXXX in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to Citibank yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. One is to a court for an unrelated incident. If that check bounces because of this I will probably have a bench warrant for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just graduated with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX XXXX. As I am typing this I am missing work. I work in the service industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from XXXX XXXX XXXX. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ic. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:36 was untair and Leceptive, as they alifnot " 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 card

I received a response letter from Bank of America dated XX/XX/XXXX. The letter was addressed to XXXX XXXX XXXX XXXX, my name is XXXX XXXX XXXX. The letter explains due to a current or past delinquency my application for a credit card was denied. The letter also states that Bank of America bases their credit decision on information we have available on existing accounts and the applicant 's credit bureau report. I retrieved a copy of my credit report from XXXX and attached the summary report confirming NO POTENTIAL NEGATIVE items were on my report and XXXX accounts were in good standing. Bank of America references a discharged Chapter XXXX Bankruptcy from XX/XX/XXXX. I note ; XX/XX/XXXX is 16 YEARS AGO. Well past any reporting period. Record retention requirements state negative information will remain on credit file for 7-years. 16-years is well past 7-years. State record retention requirements also reflect 5-7 years after an account is closed. Once again, 16-years is well past this requirement. I think the actions conducted by Bank of America are unfair and deceptive. They adopted independent policy practices outside of peer Bank guidelines. Additionally, they are adopting practices outside of normal periods considered in consumer credit laws and regulation standards. This is alarming and I am hopeful the CFPB will investigate this matter further.