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

On XX/XX/2019, I was charged my normal fee for a subscription to XXXX that I had forgotten about. I no longer had a physical Citibank Credit Card so forgot that I had anything charging to it. When I realized that it was charged, I made the payment with the late fee. I also used my cash back rewards to clear the card. I've emailed, chatted online and called into Citibank to request that a {$39.00} late fee be removed. The fee was understood to be waived ; however, wasn't waived. There is now a balance of {$100.00} which are fees charged on top of fees. They won't waive the fee as previously agreed and feel that I'm being taken advantage of by being charged fees on top of fees without any goods or services being offered.
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 in 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My account with Chime has been closed for some time now. Since XXXX, I was assured an account closure check would be mailed out. I have the initial email confirming I needed to update my address within 4 days for it to be sent correctly. 

I promptly updated my address within the timeframe. However, when I called on XX/XX/XXXX, after being passed around, I was informed the check was mailed on XX/XX/XXXX but to my old address in a different state. 

I took immediate action, placing a hold on mail to intercept it and visiting the old address. After 30 days of waiting, no mail came in my name. 

Since then agents claim they notate my address but say only the check closure department can actually update it, which they havent. 

After speaking with XXXX from Chime ( XXXX ), who assured me my address was updated and tracking information was on its way early last week, now tells me today XX/XX/XXXX its not updated, and I must call again. 

I requested there legal departments information and they refuse to give it to me. I dont want to have to keep calling to change my address with regular support channels because its been over 2 months and nothing has been followed through on their end. I explained this was an urgent matter and have collected all emails and phone conversations to reflect my claims.
Product: Credit reporting or other personal consumer reports

Trans Union Subject : Dispute of Civil Non-Compliant Item Under Civil Act 16810 To Whom It May Concern, I am writing to formally dispute an item on my credit report that I believe has been reported in error. The item in question is listed as civil non-compliant, and I am requesting an immediate investigation into its accuracy under Civil Act 16810 and any applicable consumer protection laws.

I request that this item be reviewed and either verified or removed from my credit report. Please provide me with written confirmation of your findings and an updated copy of my credit report once the matter has been resolved. Below are the accounts. XXXX Sincerely, [ XXXX XXXX ].
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I had fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Transunion : XXXX. XXXX XXXX - XXXX XXXX. XXXX Inquiry Date- XXXX My address is XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Inaccurate XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Checking or savings account

I filed a complaint with Wells Fargo on XX/XX/XXXX, complaint I.D . number : XXXX. The company responded on XX/XX/XXXX. There are multiple inaccuracies in their response which I have attached. My complaint was not submitted on XX/XX/XXXX as the response to my complaint states. In fact, was XX/XX/XXXX. 

My accounts were not closed on XX/XX/XXXX as the response states, but were in fact closed XX/XX/XXXX. I can confirm this after trying to deposit funds into my account at a local ATM with Wells Fargo. I received notice via Email on XX/XX/XXXX that all of my accounts were closed due to XXXX. 

The XXXX issue was brought to my attention from Wells Fargo on XX/XX/XXXX and XX/XX/XXXX as the response states. I responded to this notice of action by going into the XXXX XXXX branch in XXXX XXXX, XXXX on XX/XX/XXXX and provided the banker with the needed documentation and this was confirmed by the banking department within customer service via phone which can be verified with the branch as well. I then opened a business account with a joint owner on XX/XX/XXXX with no issues at the XXXX XXXX branch in XXXX XXXX, XXXX. All needed documentation was provided at this appointment as well. 

The accounts were not updated on XX/XX/XXXX as the response states, as I was advised by online banking, that the transaction previously inside the branch when the received correct documentation, was not even recorded on file once completed. The visit on XX/XX/XXXX which I sat inside the branch for XXXX hours on hold with the local banker, was not to update my address, but was to see why the accounts were closed in the first place. This can be confirmed by the local branch bankers. 

I was unable to walk into a branch and address the situation with the original banker nor a manager on XX/XX/XXXX, and I was advised to schedule an appointment to address the issue, which I had to drive across town to do the same day at XXXX. The issue was not resolved with the banker at that appointment, which led me to create ANOTHER appointment which prolonged the process and I then spoke with the XXXX XXXX banker on XX/XX/XXXX. 

I was advised by 2 phone bankers as well as 2 branch bankers that the accounts were closed in error and they apologized profusely, and that my accounts would be re-opened and I was provided a ticket number when this would be completed. As of XX/XX/XXXX, my accounts have yet to be re-opened. 

Ticket Numbers : Personal Account - XXXX, Business Account - XXXX. 

The funds that were deposited into my account were mailed and received via cashiers check AFTER the funds were needed which has caused a great inconvenience to myself as well as my family and has caused me great distress. The address also listed in the response that the cashiers check was mailed to is incorrect and was not verified by myself.
Product: Debt collection

I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for Midland Funding and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at XXXX, XXXX, XXXX on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} XXXX appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
Product: Debt collection

On XX/XX/XXXX, by chance I browsed spam email in my XXXX account and found collection notification for following account XXXX Account # : XXXX Creditor : XXXX XXXX  Creditor 's Account # : XXXX Balance Due : {$250.00} I requested all the details regarding this collection. I believe that I don't own anything to XXXX XXXX. On XXXX XXXX I got Solar panel installed at my home. XXXX XXXX had no solar buy back plans and their meter reading calculation was not factoring-in any usage offset by locally generated electricity by solar plan. I contacted the XXXX XXXX representative multiple times and they had no support and answer for how to offset solar generated power, XXXX XXXX  meter reading was not accurate. Because of faulty reading I was charged wrong. I had no choice but to opt for a solar buy back plan. 
I request XXXX to go share and go through all the voice, email and chat transcripts from XXXXXXXX XXXX on our interaction on above transition. 
I raised concern to XXXX through their website as well as over phone. On XX/XX/XXXX I got response but explaianation on interaction with XXXX and lack of proper Solar buy back plan I believe the request from XXXX XXXX and XXXX is neither accurate nor ethical. All of us including XXXX XXXX  should support XXXX initiatives which is the most important agenda for the human race. XXXX XXXX  should have offered me solar buy back plan or atleast adjusted locally produced power by Solar panels. 

Kindly consider this as an formal dispute request and share all the information requested here. 
XXXX. XXXX XXXX meter reading specifications XXXX. How XXXX XXXX XXXXeading offset solar panel locally generated units XXXX. Why no solar buy back plan offered by XXXX XXXX  to continue customer service. 
4. Voice and email transcripts discussion with XXXX XXXX  XXXX, Why Discount is not responsible to support customers using solar panel and contribute towards greener planet Thanks, XXXX
Product: Credit card or prepaid card

Dispute with Case # XXXX on Citi shows that it will be resolved by XX/XX/2021. However, it still has not been resolved and Citi is not communicating anything regarding the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately! 
Here is the list of all the account : 1- XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 3- XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account XXXX XXXX 4- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX 5- XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # XXXX 6- XXXX Account # XXXX 7- XXXX XXXX XXXX XXXX Account # XXXX 8- XXXX XXXX XXXX Account # XXXX 9- XXXX XXXX Account # XXXX 10-SXXXX  Account # XXXX XXXX Account # XXXX 12-XXXX  Account # XXXX 13-XXXX  XXXX  Account # XXXX 14-XXXX Account # XXXX 15-XXXX XXXX  Account # XXXX 16-XXXX Account # XXXX
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 Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

In XXXX of 2018, after checking a copy my credit report I realized after several accounts were listed on my report that was established without my knowledge or consent it was apparent I had become a victim of identity theft. I then immediately contacted my local law enforcement to file a police report as well as three major consumer reporting agencies. One of the  accounts in question was XXXX XXXX which since has been blocked and deleted from my credit file. I recently have received two letters from a company named Vance & Huffman XXXX XXXX XXXX whom I have already informed that this account was the result of identity theft. Vance & Huffman continues to send me letters demanding payment for an account that was established without my consent or knowledge. In addition, Vance & Huffman is in violation of the Fair Debt Collection Practice Act by continuing to collect on an account that never belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to Experian regarding an account with XXXX XXXX XXXX that was reporting inaccurately on my credit file. The account was opened on XX/XX/XXXX, but Experian does not show any payment history from XX/XX/XXXX to XX/XX/XXXX. Thus, 10 months of payment history are missing and the account is incomplete. I sent Experian proof that the reporting is incomplete with my dispute. 

On XX/XX/XXXX, Experian responded by saying the account was updated. However, the payment history I disputed as incomplete did not change and was still missing 10 months of payments. Even if XXXX XXXX XXXX verified the incomplete information, Experian did not conduct their own investigation into my dispute. The FCRA requires Experian to delete incomplete information that is not corrected, but Experian did not do so.
Product: Money transfer, virtual currency, or money service

On XX/XX/, 2020, I opened an account at Gemini ( https : //gemini.com/ ) and submitted all identify verification information, including my social security number and a photo of my Driver 's License. At that time, since it looked like an interesting cryptocurrency platform, I referred 12 friends to Gemini via their referral program ( receive {$10.00} in BTC for each friend you refer after they buy or sell {$100.00} ). Shortly thereafter, I received a message that my account was frozen. As advised in that message, I contacted customer support by submitting a ticket at https : //support.gemini.com/hc/requests/new explaining that my account was frozen, and offering to provide whatever information is needed to unfreeze it.

Over the next two weeks, I submitted six different support requests via support tickets, via email to XXXX, and via phone to XXXX ( which just goes to a voicemail system ). I did not receive a single response until my sixth communication attempt on XX/XX/, 2020. I received a generic/boilerplate reply on that date as follows : -- - Hi XXXX, Thank you very much for your patience. 

Our Compliance team is diligently working through all registrations while maintaining the highest level of account validation standards to ensure the security of all of our users.

Please be sure that your submitted ID is a clear image of your Driver 's license ( US or XXXX residents only ) or passport as verification process as obscured or blurry images can cause delays to your verification. 

We truly appreciate your patience during this process and will notify you by email of any next steps. 

Onward and Upward, Gemini Customer Support -- - Then on XXXX XXXX, 2020, I received this email : -- - Hello, Due to a recent account review, Gemini has determined your account must be closed. At this time, we are not able to elaborate on the specifics for this decision. 

If your account contains a balance of USD and/or any supported digital assets, you will have 5 days from the receipt of this email to withdraw the entirety of your funds, at which point your account will be closed. 

If your account is closed and a balance remains, please email XXXX. 

Thank you, Team Gemini -- - Of course, my account is still frozen, so I'm unable to withdraw my approximately {$140.00} in funds. I sent a reply to that email requesting that they transfer my funds to a different BTC wallet, but I doubt I'll get a response before my account is closed in 5 days. 

Gemini appears to be a complete scam, convincing people to sign up, then stealing their money.
Product: Credit reporting

XX/XX/XXXX my wife applied for an XXXX XXXX card through XXXX. Instead of assigning her name to the card, XXXX XXXX assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in 3 ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had XXXX not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as XXXX is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!
Product: Debt collection

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.XXXX XXXX XXXX XXXX XXXX XXXX : account number XXXX, {$29000.00} Equifax : account number XXXX, {$11000.00} XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX by Equifax Account # XXXX High Balance:XXXX Last Verified : Date of Last Activity : XX/XX/XXXX Date Reported:XXXX  Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Merchandise was taken back by credit grantor, there may be a balance due Unpaid balance reported as a loss by the credit grantor. Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Month ( s ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX Account # XXXX High Balance : {$11000.00} Last Verified : Date of Last Activity : XX/XX/XXXX Date ReportedXXXX Date Opened:XXXX Balance Owed : {$14000.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto financing Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account Auto Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Month ( s ) Past Due Amount : {$14000.00} Account Type : Auto Loan Payment Frequency : Credit Limit : {$0.00} XXXX  XXXX XXXX : -- XXXX XXXX XXXX XXXX : -- XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Equifax XXXX : XXXX XXXX : XXXX XXXX : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. MOST COMMON CHARGE-OFF INACCURACIES Repeatedly reporting charge-offs every month a. Every time your account updates the statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! b. EXAMPLE : XXXX : {$0.00} XXXX : {$29000.00} EQUIFAX : {$11000.00} As you can see anything match on this account please verified accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.