23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Prepaid card

My netspend card had balance of XXXX on it I stopped at gas station XXXX and go to get gas and cigarettes my total came up to XXXX so I used my card and it was declined tried again and declined again went to car called my netspend card and it said I had a balance of XXXX dollars spoke to netspend person name XXXX Id # XXXX, XXXX id # XXXX, also XXXX id # XXXX all they can tell me it's pending I explained that it was declined I know the store never received the funds I also asked netspend to cancel the transaction since its pending and put the fund back on my card
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Regarding Inaccurate Credit Report - XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to express my extreme concern regarding two inaccurate negative remarks on my credit report concerning a XXXX XXXX XXXX XXXX account. This appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have been reported twice for the same account, both of which are listed as " charged off. '' This is incorrect. There should be only one entry for this account, as it is the same account. I request that the duplicate entry be removed immediately. 

I have already contacted XXXX XXXX XXXX XXXX to notify them of this error and request their assistance in correcting the issue. 

Please take immediate action to remove the duplicate entry and ensure that my credit report accurately reflects my financial history. I will take further action if necessary to correct this situation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I began discussions with a XXXX XXXX seller to purchase speakers. I agreed to purchase them and made two transfers to the seller. The first transfer was through XXXX in the amount of {$440.00} on XX/XX/XXXX, and the second transfer was through XXXX XXXX  in the amount of {$440.00} on XX/XX/XXXX. 

Everything was going as planned until XX/XX/XXXX, when the seller stopped communicating with me and did not ship the items as promised. 

I then asked the seller for a refund through XXXX & XXXX XXXX on XX/XX/XXXX. 

The seller did not provide the refund nor did he respond so I filed a dispute through my bank on XX/XX/XXXX. I also filed a dispute on XXXX XXXX  's website on XX/XX/XXXX. 

XXXX XXXX has responded to the claim and refunded the {$440.00} due to the fraudulent transaction. 

I have attempted to also file a complaint through XXXX which has proven to be much more difficult, if not impossible. 

On XX/XX/XXXX, at XXXX, I called the XXXX customer service number ( XXXX ) XXXX and spoke with XXXX ( Emp # XXXX. ) I informed him of the transaction details and asked him about helping me with a refund due to the fraudulent transaction. He told me he couldn't help me and said that in order to inform XXXX about a person committing fraud through their system I would have to send a letter to their corporate office through the USPS. I asked him to send me an email with the information and to document our phone conversation but he said he didn't have access to email so I asked to speak with his supervisor. 

XXXX, his supervisor, came on the phone. She would not provide me with her employee ID as she said she wasn't permitted to. She proceeded to take down the transaction information and told me she was writing up a report to submit to her supervisor about the fraudulent transaction/user. She provided me with Case # XXXX. I asked her to email me documentation of the filing of that case but she said she was not permitted to send emails. 

The issue with XXXX is they are not protecting the consumer. With their abundant technology ability to transfer money and give people instant access to funds, they aren't using the same technology to reverse fraudulent transactions. They aren't even giving people an electronic way to file a complaint! I believe it is their intent to avoid electronic communication. 

By not providing a way for the consumer to file a fraud complaint and assisting the consumer, they perpetuating the fraudulent transactions. 

If XXXX XXXX provided a refund due to fraud, then XXXX should as well. They have a responsibility as a financial platform to step in to stop fraud, not assist it. 

XXXX XXXX XXXX XXXX  post id # XXXX URL - XXXX XXXX XXXX
Product: Checking or savings account

Equifax has taken XXXX payments from my XXXX account unauthorized. I have called XXXX times and have been promised a full refund to just be hung up by the supervisor making the refund. On there site they do not allow me to cancel this unauthorized account. I am owed XXXX payments {$19.00}. Please help. I am so frustrated.
Product: Debt collection

On XX/XX/XXXX I received a collection letter from Collection Services of Athens stating that I owed a past-due bill of {$360.00} from Athens XXXX XXXX for XXXX rendered on XX/XX/XXXX ( XXXX  Account Number XXXX ). Upon calling Collection Services of Athens on XX/XX/XXXX to inquire about the nature of the bill, I was informed that I owed an additional {$780.00} for services rendered on XX/XX/XXXX to XXXX XXXX XXXX Athens ( XXXX  Account Number XXXX ). I had not received any prior communication from any of these XXXX entities prior to this and it seems to me this is grossly unfair being as I'm on a fixed income. When I asked why nobody had contacted me prior to XX/XX/XXXX, they responded by saying letters were returned, phone calls not answered and they weren't in the habit of leaving voicemails. Although I did move from XXXX GA to XXXX GA in XXXX, I did put in an official change of address with XXXX. As far as the XXXX bill goes, I was at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA until XX/XX/XXXX. So there's no excuse other than their incompetence for me not receiving XXXX # XXXX. Insofar as bill XXXX goes no bill was sent to XXXX XXXX XXXX XXXX, GA. My phone number has been the same since XXXX, yet I have received no phone call from either of the XXXX entities. I'm not even sure what services I received or where the services were provided nor what medical insurance I was using in XXXX. In XXXX I was using a prior XXXXXXXX XXXX provider ( XXXX ) and I'm sure any right to appeal any lack of coverage has long since lapsed. Non-payment of these charges is not my fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach for 143 million citizens and the breach includes SS #. They offer a year of credit protection for damage that may last a decade and force me to arbitrate to participate in their credit protection. Furthermore, this breach was known for months before it was disclosed to the public. Allowing potential fraud on my accounts to go unfettered and I have no recourse. Meanwhile, executives sold stock before revealing the known intrusions. Since federal gov't also uses Equifax, privacy violations are also a violation of my constitutional right to privacy.
XXXX XXXX XXXX
Product: Mortgage

Back in early XXXX I applied with East Coast Capital to refinance my mortgage. I spoke with XXXX XXXX. He told me he would come by my house and pick up the required documents. In early XXXX he came by and got the documents. Then shortly thereafter he would not return my phone calls. I received an alert from my credit monitoring service about suspicious activity. I called XXXX XXXX literally 19 times and called his company several times and they brushed me off and sent me to voice mail many times. I explained to the them that he has taken my documents and is now unreachable. After I left a message with XXXX that I was going to report him he called me one time. I called him back within 5 minutes and went into voice-mail all over again. I called him at least 4 times afterwards and still have not gotten a response. I am concerned that my personal information has been compromised and his company is not doing anything about it. I eventually spoke to Mr. XXXX XXXX and he also stated that he would get to the bottom of the matter and would call me back. He also did not call me back.
Product: Checking or savings account

huntington closed my account because of a phone conversation would not let me get my money from a branch or atm over XXXX they said they sending it in the mail close my account XX/XX/2023 its been almost 3 weeks still have not received my check im behind on all my bills received over XXXX in late fees cant pay my rent received eviction notice this is wrong mailing a XXXX check this is illegal especially how long im waiting still have not received my money seeking legal help
Product: Credit card or prepaid card

I requested that AMEX send me my Reward Dollars in a check. The first time I called I was told I had to wait a month while the rewards were posted to my account. When they were posted I could request the refund. I waited the month and called back. I spoke with a representative named XXXX # XXXX who said there was no record of my first call. She said she would correct the matter and I would have a check within 7 days. I waited until XXXX-19, and called again and was told again there was no record of me calling at all. I asked for a supervisor and spoke with XXXX # XXXX who said there was no record of either of my requests and nothing was done on my account. She said would contact her superiors to have the inaction on my first 2 calls investigated. She said she personally had my rewards posted to my next statement and when they appeared I had to call again and request a check at that time.
Product: Debt collection

They did not provide a license to collect any debt in my state. 

I requested the chain of custody for the alleged debt which they failed to provide The original purchase agreement for the alleged debt which they failed to provide
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, XXXX and transunion. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX  that was applied for as well, the problem here is im a man why would i need a XXXX  XXXX  card for? I have several disputes that just do not get taken care of too.
Product: Checking or savings account

CHASE bank I shall settle my case for the sum of XXXX XXXX XXXX dollars and not a penny less.

Thank you. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive Been Using Zelle For Years & Now I Cant For Some odd reason, I cant send or receive money thru Zelle. & I Have Suspicions That Money Was Being Taken From My Account without my knowledge
Product: Mortgage

I recently purchased my XXXX home. This is all new for me since I had to work hard to build credit. I was informed that It would be convenient to have my home owners insurance included in my escrow payment. I had insurance through XXXX, and canceled it for this reason. I assumed the policy was the same coverages. No one from either JP Mortgage, Chase Bank reps, or the insurance company explained the policy to me, or what coverages were. No one even. Called me. Our house recently burnt down. It has been almost 3 weeks, and the insurance has just contacted me with settlement to repair house ; not rebuild. They even want to place new counter tops on the burnt cupboards. The insurance rep went on vacation prior to finishing my claim. While my family and I suffered, and scrambled to find somewhere to live. JP Mortgage has yet to contact me. We have had no financial suport, or help with a place to live, clothing, or food. My husband is very I 'll, and lost all his medications in the fire. He had to cancel a XXXX. Attached are pictures of the burnt house, and the others are what we had to resort to live in. WE LOST EVERYTHING. I feel that nothing was explained to me, and I was misrepresented. For this my family and I have suffered. There are rats where we have to live. No kitchen. Filthy conditions. Now our house is not going to be rebuilt, nor are our personal belonging replaced. Please review pics. Thank you.
Product: Credit card

This is a formal complaint against Barclay Card XXXX, AA Advantage. 

I accidentally made too large of a payment ( the entire statement balance {$3600.00} ) in XX/XX/XXXX, leaving my new balance to be {$1300.00}. I called customer service requesting a refund in the amount of my statement balance payment of {$3600.00}. My XX/XX/XXXX statement reflects that on XX/XX/XXXX, the return of payment in the amount of {$3600.00}. It also reflects an additional NEW charge on XX/XX/XXXX from " Identity of Authorizer Unknown '' in the same amount of {$3600.00}. This error made my new balance {$8700.00}, Instead of what it should have been : {$5300.00} I called customer service and was immediately transferred to the fraud department. On XX/XX/XXXX, I received a letter of acknowledgment from the credit card company and was verbally told to not make any payments until they " figure it out. '' Now it is XX/XX/XXXX, and they have closed my account and are sending me to collections for lack of payment, regardless of them acknowledging their internal, double-charge mistake. This has also resulted in my credit being dramatically impacted, as well as several other of my credit cards reducing my spending limits. The new total, including interest and fees is over {$9000.00}, instead of what I actually owe, which is in the {$5300.00} range. I don't know what to do. I have spent over 28 hours on the phone with them since XX/XX/XXXX and have gotten nowhere. All of the hard proof and evidence is presented on my pdf statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am attaching an FTC Report which contains 5 fraudulent accounts to be blocked under the FCRA 605B Identity theft 4 day block. I have listed 3 fraudulent inquiries as well in the FTC report in which I will be attaching to be delivered to Experian, Equifax and Transunion.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and 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, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604, A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.