23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to report an issue with a purchase I made through Cash App. I was scammed by a seller, as I never received the product I paid for. I contacted Cash App for assistance, but they informed me they could not refund my money, leaving me without the product or my payment. I am seeking help in resolving this matter and ensuring others are protected from similar scams.
Product: Credit reporting or other personal consumer reports

They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/XXXX XXXX 
XXXX ) For XXXX, XXXX and XXXX XXXX XXXX, I entered into a hardship program with Upgrade. My payments were interest payments around {$78.00} agreed upon by the Upgrade finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at Upgrade keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, Upgrade can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX XXXX XXXX  my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. Upgrade went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) Upgrade blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting
Product: Debt collection

This women repeatedly called me from " XXXX '' leaving multiple messages on my work voicemail. I called her back and asked hedr to kindly stop calling my employment and she stated I could do whatever I want to do shes going to call my employer now and hung up on me. Im not even sure this is a legitimate aattempt to collect a debt. phone number she called from is XXXX ext XXXX
Product: Debt collection

In XXXX I had a XXXXXXXX XXXX XXXXXXXX XXXX from an on the job injury where I hurt my knee. Based on my knowledge all the hospital and medical bills had been paid and I had moved on from it. 
4 years later ( XX/XX/XXXX ) I found out about several bills that were turned into a collection agency for non payment because they were reported to my credit and dropped my scores by over 100 points!

I immediately contacted the collection agency to find out what the bill was for and was told it was anesthesiology. So I asked the representative, XXXX, to send me a copy of the bill so I could send it to my XXXX 's comp case manager to get it paid. 
XXXX said she would send it, but I never received the bill. 
I called the collection agency again and spoke with another representative named XXXX and he said that he was going to call the claims rep directly and get the bill sent to him so that it could get paid. 
Again, my XXXXXXXX XXXX XXXXXXXX rep told me that he hadn't received anything. 
Not knowing what else to do, I decided to get the credit bureaus involved to see if they could get the collection agency to provide me with a copy of the bill. 
I sent a written request to XXXX, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received any responses from the credit agencies or from Allied Collection Agency. 
Someone told me about the CFPB and how the CFPB is supposed to help consumers so I decided to give this a shot.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

On or around XX/XX/XXXX I checked my checking account and noticed unauthorized transactions on my account. I immediately called my bank to report theses charges. These charges were from XXXX XXXX and ranged from around XXXX XXXX. Some of the charges where still pending and had to be disputed separately a day or 2 later. I do use the company XXXX XXXX as I have a XXXX XXXX account. I explained that these transactions were not done by me and were unauthorized. It seems as if someone got my debit card information and loaded money onto their own XXXX XXXX. The transactions from my XXXX XXXX  do not match these specific transactions with my bank. I was given 2 separate claim numbers due to some of the charges still pending, they are XXXX and XXXX. A couple days later I was told my claim was denied. When I asked why I was told because there were previous transactions from XXXX XXXX As I explained I do have a XXXX XXXX but these specific transactions where not made by me or from my XXXX XXXX and are unauthorized. So I asked that my dispute be escalated so that I can provide evidence on my behalf. That evidence being screenshots of my XXXX XXXX to show that the unauthorized transactions do not appear on my XXXX XXXX because they werent done by me. I was told I would have to go inside a branch for this. Which I thought was even better because I could show in person. However when I went in the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was treated very rudely. I was there for over an hour. I talked to XXXX different people and no one knew what to do and acted as if they had no idea what I was talking about. Finally they called the fraud department, the same number Id called to have me speak to a representative, which I couldve done myself. All this to still be told there is no way to escalate my claim. Which Ive been told before I have a right to escalate my claim and submitt supporting evidence on my behalf. Ultimately I ended up walking out without being given an opportunity to escalate my dispute or submit my evidence. I was even accused of funding my account for fraud which was very disrespectful seeing that I have had this account for over a year and routinely use my account and even get my pay check directly deposited.
Product: Credit card or prepaid card

I was recently approved for a pen fed {$15000.00} credit card and I received the credit card terms and conditions in the mail. The terms states that at the time of fraud we will be liable for the charges and we can not make Pen fed liable for the charges, can not take them to the court and have to indemnify them from any kind of liability. 

I think this is mean and one sided agreement and goes against the laws of America. 

They also do not have arbitration agreement for their credit cards, so it is a win win situation for them and a losing situation for the customers. I am completely surprised how can this company be so greedy, self-centric and mean? 

They have also send me a letter which states that I abide by the credit card agreement if I don't cancel the credit card within 30 days, what is this? 

this is a fraud. and I tweeted this credit union, they replied me with a very unusual answer, their customer service number is not working. 

After that Penfed blocked me on Twitter ( please see the screenshot ) What does the Penfed wants? Penfen wants the customer to go crazy if a dispute happens between customer and penfed? What will the customer do if can not go to the court? ( please check the screenshot of penfed agreement )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself to told you that the XXXX credit bureaus seemed to fail to remove the following accounts listed here on my complaint. For that, I am requesting to you to help me gather some investigation with this issue. The current status should not be showing late because I paid it on time. Three Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets verified and remove these immediately. The Bureaus are required to verify for them, but they failed to remove the accounts. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts which are late/closed and charge off immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. XXXX XXXX Balance : {$0.00} - I need to dispute charge off account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  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 agent can not furnish a account without my written instructions.

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX Formerly XXXX Account no XXXX XXXXXXXX XXXX XXXXXXXX. Account no XXXX XXXX XXXX, XXXX Account no XXXXXXXX XXXX XXXX  account no XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

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 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

XX/XX/XXXX, called Tranunion and XXXX for credit i never applies XX/XX/XXXX called Tranuion and XXXX to remove inquiries for credit i never applied thank you XXXX XXXX
Product: Credit card

I received a bill in the mail from Citibank XX/XX/year> which i never received a credit card or accessed the card. The mail was sent to wrong address. My correct address is XXXX XXXX XXXX mail was sent to XXXX XXXX XXXX. I called Citibank and received no help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting

I consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service.
Product: Debt collection

I was looking at my credit report on credit karma saw I had a new collections knew I shouldn't have XXXX at all. Called the collections company ( CCS Collections ) they had no record of the debt I was advised by them to contact the creditor ( XXXX XXXX XXXX XXXX ) they said they had no record of the debt they advised me to call XXXX. XXXX found it on my report said I needed to go to ftc.gov and report it as fraudulent and start a dispute. 

I never received any statements in the mail from either company about a debt that was owed found out by credit karma sending email about a collections that had been added for XXXX
Product: Money transfer, virtual currency, or money service

this information later, to help the company identify you and your account. 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 and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

XXXX XXXX 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

On XX/XX/year> I send {$200.00} through RIA MONEY TRANSFER to my beneficiary in XXXX, RIA told me the money Will be in XXXX minutes at XXXX to my beneficiary, Due to RIA has the funds and they are Just throwing the Ball at each other. I have gone to the store and I have been treated poorly. I am a woman of age and I feel as if they are taking advantage of that because they see that I am an XXXX person. As of now I am making a Police report because I refuse to loose my {$200.00} dollars please let me know what is gone to be done, thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed to Experian a notice of dispute to reinvestigate multiple inaccurate accounts that Experian failed to previously investigate and correct on XX/XX/2023. Experian did not abide by 15 USC 1681d either. It has now been 2 weeks since Experian has held on to my dispute letter, and nothing has gone into investigation or have undergone the disputing process. I am aware that under the Fair Credit Reporting Act there is a certain period of time the CRAs have to do an investigative dispute when put on notice per 15 USC 1681i ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Experian have been negligent, and it is affecting my livelihood as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute several times and never received a response from trans union and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows. I noticed that you are reporting this item on my consumer reports as a charge-off with a balance. I am writing to understand which portion of this alleged debt was charged off or cancelled because I do not recall receiving a 1099-C. From my understanding, I am supposed to receive a cancellation of debt tax document so I can report this amount on my taxes.