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

XX/XX/2019 : I received in the mail a NETSPEND PREPAID MASTERCARD. I never requested, authorized, activated or in any other way contacted the Netspend firm to inquire about this type of card. I have no need for it. I cut the card in half, sent them a letter and requested NO FURTHER ADVERTISING OR MARKETING COMMUNICATION from them. NETSPEND did not respond in any way. 
XX/XX/2019 : I received a SECOND NETSPEND PREPAID MASTERCARD in the mail. Once again, I sent a letter to Netspend, returned the cut up card and all the associated materials, that this was unauthorized, rejected, never requested and would not be activated. Once again, I never received any type of reply. 
XX/XX/2019 : I received in the mail a XXXX XXXX XXXX XXXX. Once again, I never requested, authorized or in any other way wanted anything like this. The ADDRESS and PRIVACY ACT notices have NETSPEND corporation in them. Once again, { this makes THREE (! ) }, I cut up the card, sent back all materials, with a letter, detailing this is UNAUTHORIZED, UNSOLICITED and UNWANTED. I want this harrassing activity to stop and this firm to be censured.
Product: Debt collection

I had a credit card charged off and first source advantage bought the debt. And also XXXX XXXXThey  sent me emails for about six months to pay the debt off, but at a discounted rate of {$590.00} versus the original amount of I believe {$740.00} so after six months I finally come up with the money to pay the discounted amount. I pay the {$590.00} in full with my debit card on XX/XX/2023 to firstsource advantage and then I dispute it on XXXX, XXXX  and XXXX only to have the credit reporting agencies say I still have a balance of {$140.00}. If the offer was for a reduced amount then why do I still have to pay the balance I feel they were sneaky and misleading with what I owe and the amount they were willing to settle for
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent Letters to Experian, XXXX, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response
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 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit reporting Act Experian, XXXX, XXXX has XXXX my XXXX protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, XXXX, and TransUnion Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1100.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$6300.00} XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00} XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$11000.00} BUSINESS Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX  XXXX / XXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX  / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : 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 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: Money transfer, virtual currency, or money service

I am fi

ling 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 for these violations.
Product: Credit card

I called today XX/XX/XXXX regarding the {$2700.00} balance. It was about {$1100.00} until interest was added XX/XX/XXXX in the amount of XXXX. 

XXXX XXXX  today I called and requested a settlement amount or payoff amount. I was told by the agent that she requested to see if I was eligible for assistance but was denied. She then offered a number to a debt relief center to seek debt counseling options. 

Immediately after I contacted Synchrony via there chat and was told to try again in XXXX to see if I was eligible, and advised that a payment plan was already in place. Since a payment plan is in place the account has been closed. I asked who I could speak to about paying off the account and was told to call customer service. 

XXXXXXXX XXXX I called customer service again and was transferred to an agent in collections named XXXX. I was told they do not offer payoff arrangements and that she can not tell me why I was not eligible for a settlement amount. I was told several times by several people they could not send me in writing the terms of the account or the terms of the assistance program. XXXX advised she would request to have the letter that regarding the Assistance Program resent.

At this time my only options are to pay the full amount, keep making the payments, or call everyday hoping to become eligible for the settlement amount. I can not afford the full {$2700.00} but I can negotiate something to get this account paid and closed for good. The account was already closed on the companies end when they attached the interest. 

The practices seem shady and unethical. Why can't you show me what I " signed up '' for? Why can't you tell me why I'm not eligible for a settlement amount? What can't you send me a copy of the terms or the contracts? I feel as though I am in a pigeonhole.
Product: Payday loan

XX/XX/XXXX I took out a payday loan from ACE Cash Checking from a store in XXXX XXXX. I borrowed {$250.00} and paid {$45.00} in fees. I was supposed to return a month later after receiving my check and pay off the loan. However, an ACE employee made a mistake and instead of being charged the money a month later, they wanted me to pay 2 weeks after taking out the loan. I explained that I could n't pay back the loan in such a short time, since I was yet to receive my check. 

They still charged me the money and it was hard for me to make that payment and still have enough for rent, bills, and more importantly to be able to provide what my XXXX kids needed. Because of ACE 's mistake, I had to renew the loan instead of paying it off as I had hoped. I fell behind on my phone and other bills. Every month I returned to renew the loan because I could n't pay off the full amount without falling behind even more. 

For 3 years I renewed the same loan. XX/XX/XXXX I had an XX/XX/XXXX at work and I was unemployed for XX/XX/XXXX months and was now receiving XXXX. I could n't afford to pay the loan and went to a friend for help. She lent me enough to renew the loan, but now I owed her and ACE. I continued with the loans a few more months until I really could n't do it anymore. I had to default after paying roughly {$1600.00} in fees alone over 3 years. A bit after defaulting I began receiving call and letters asking me to pay back what I owed. Still 2 years after defaulting, a collection agency is still calling asking for the money. I 've paid enough to ACE and can not continue with this cycle.
Product: Checking or savings account

XXXX  weeks ago I advised chime That my password and my email address in my phone number on my account kept changing and it was not me who was doing the change so what should I do. Chime advised me to change my password something stronger. So I change my password to something stronger the next day after I change my password I still was not able to login into my account. I advise Chime Once again but I am having problems logging into my account chime Represe. ntative advise me that my account has been XXXX. They advised me that email address and phone number was not the same on my account.Chime advised me that they would have to put in a dispute about the situation they close Out the account and re-issue me a different account so as XXXX was correctly my account including me a new password I was able to log into my account but the following days the situation started again and I was not able to login account and everything that was in my account was gone. I called Chime and told them that my account was changed again and everything that was in my account was gone. So I asked Chime are they going to refund me my money XXXX and Chime told me that I was the XXXX whos causing this problem with the representative advised me that my account was hacked.
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly runs a collections agency. This collections agency is inaccurately reporting an account on my TransUnion credit report. I am unable to have this item removed from my reports since evidently as a lawyer who runs a collections agency they therefore are immune from liabilities simply may only " validate '' the information they provide to a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account on XX/XX/XXXX with XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.
Product: Money transfer, virtual currency, or money service

Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my XXXX and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.
Product: Student loan

I was a cosigner on my daughters student loans. The primary signer was XXXX ( my daughters mother ). Upon my daughters graduation, I was never notified of any amounts owed. The mail and delinquent notifications were being mailed to XXXX directly who lives in a different state. Unfortunately, XXXX and I do not have a good relationship and do not speak. We were never married but share a child together. I realized there was monies owed when the delinquency hit my credit. I am in real estate and monitor my credit through another agency. Maintaining good credit is crucial for my business. I reached out to XXXX notifying them that I had never received any mail or notifications. I paid off the loans in full ( approx. $ XXXX ). I would greatly appreciate if this situation could be investigated or can be taken off my credit report.
Product: Credit card or prepaid card

On XX/XX/23 I used my XXXX XXXX issued by Synchrony bank at Lowes- no purchase problem. I then went to my usual XXXX grocery store where my grocery purchase for {$99.00} was declined. I pay this card off every 2 weeks and have had for years. I look on line- I have over XXXX credit available and no messages or flags in my account inbox. I attempt 3 times at the checkout counter- card. I am then escorted over to the customer service desk AT THE ENTRANCE TO THE STORE. There the counter rep tries 2 more times- card still declined. I call the customer service # on the back of the card. I speak with a Synchrony rep that informs me I will have to verify my account ( WHY?? ) and will send me a link to my cell phone. I receive a link. The link takes me to a website where I have to : # 1 Answer personal questions- I do this. # 2 Copy my drivers license-front & back and upload- I do this. # 3 I HAVE TO VIDEO MYSELF TURNING MY HEAD LEFT TO RIGHT and upload- I do this. 
I am then texted a code # and have to call the customer service # again and give them the code number I waste texted- I do this. THEY THEN UNLOCK MY CARD so I can purchase my melting groceries that have been sitting in my cart for 45minutes. All of this happened at the front of the store- I have NEVER felt so humiliated in my life.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a vXXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have no knowledge of any account with Opps Loans. I have talked to customer support and they agreed to remove the information and they never had.
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 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 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.

XXXX  Account # 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 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. 

XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I received an alert from my ID Credit Monitoring that a company by the name of XXXX   XXXX made an inquiry on my credit report without my prior oral or express consent. This unauthorized inquiry lowered my Equifax credit score. On XX/XX/XXXX, I filed a dispute with Equifax. On XX/XX/XXXX, Equifax sent a resolution of the dispute confirming that there is nothing that they can do. On XX/XX/XXXX, I spoke with an Equifax representative who told me that she could not do anything about the unauthorized inquiry.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 3 fraudulent account and fraudulent inquiries I did not authorize