23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Former complaint for CFPB were, XXXX ; XXXX ; XXXX All of these accounts with the report credit bureau were closed as uncollectable as they could not produce ANY statements I owed this debt as collectable. I am a XXXX  veteran with benefits, I have XXXX with benefits, I also have private insurance coverage with NO deductible and not one of these entities were sent bills from XXXX XXXX XXXX, XXXX which closed their doors and business years ago. You had instructed them accordingly, I am still getting calls regarding this debt AFTER they have closed it out, this debt is STILL listed on my three credit reports as in collection last one from CENTRAL PORTFOLIO CONT., XXXX XXXX  XXXX XXXX, XXXX XXXX MN XXXX XXXX. I have repeatedly told them this is an uncollectable debt that was never billed to my insurance and they can NOT support their findings by sending me any statement to the fact and are BLIND calling me to collect a debt that CFPB said was closed and uncollectable.
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX/ ) by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, Ria, XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX. Please help me, what should I do to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived overseas ( XXXX ) for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding foreign addresses. XXXX XXXX XXXX needs US addresses. Hard to provide when I haven't set foot in the country since 2018. XXXX needs zip codes - don't have them here. XXXX doesn't want to even deal with foreign IP addresses. Transunion just sends you to XXXX, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, ipso-facto, the free annual credit report is not free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the company back and requested that they send me a letter to verify any debts. They refused to send me a letter. They have my name and address, but would not send me any information to verify a suppose debt. And to stop calling relatives and friends to try to locate me. I only want them to send me a letter, so I can verify any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> TransUnion LLC, Subject : Formal Dispute of Inaccurate Credit Information Dear TransUnion Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX XXXX  Your report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXX XXXX, clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : 1. A screenshot of the inaccurate information from your credit report. 


XXXX. My account statement from XXXX XXXX XXXX  verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

Sincerely
Product: Credit card

In 2014 I became unemployed and XXXX Credit cards through XXXX XXXX began collection efforts on my past due account. I called them and tried to work out a plan to get current, however they sent the account to XXXX XXXX XXXX XXXX. I filed for Chapter XXXX bankruptcy because many creditors would not work with me, and closed my account. However, XXXX XXXX continued to badger me for payment, I agreed to a payment plan because they harassed me. I found out later that in bankruptcy they must stop calling and all collection efforts. XXXX XXXX and XXXX both were notified of my bankruptcy and that I represent my self, they were sent the notices of hearings and did not attend any of the hearings, they would not reaffirm my account and keep it open and XXXX refuses to stop the collection automatic debits they harassed me into accepting. I have stopped payment with my bank, but they change the amount of collection and the debit goes through because the amount does not match exactly. I have written them of this bankruptcy, called them about these payments, they are rude and tell me to call back the next day to talk to an analysis, the analysis is not reachable they keep me on hold for upwards of 20 minutes and I call again and get the same treatment. This company is taking payments from me even though I have notified them of the bankruptcy, they refuse to stop or return the money taken against the law of bankruptcy. I have reported them to the bankruptcy trustee, but I still get no results. What do I do to stop this harassment, on the phone they tell me that they do n't have to stop the payments and that I must have a lawyer call them, I explain I represent myself, but that does not matter to them.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshots attached :
Product: Debt collection

i haver a medical bill from 2020. My daughter went for a doctor appointment. I told them i had XXXX and they submitted the bill to her Mother 's insurance then contacted me a year later to tell me i had an outstanding balance. I told them they were supposed to submit it to XXXX then they told me it was too late to file with XXXX now. I told them their ignorance shouldn't be my problem so here we are. My problem is the lack of training and incompetence at the call centers ... if they file it wrong it becomes someone else 's financial problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time report Experian. Experian has refused to remove inaccurate information from my credit report whereas Equifax and XXXX  have removed the same inaccurate information from there system but Experian has fail to do so I have disputed these items over 10 times and they still remain. I am the original creditor and consumer.
Product: Credit card or prepaid card

I was billed an annual fee of {$55.00} on XX/XX/2019. I emailed customer support on XX/XX/XXXX to close my account ending in XXXX. 

On XX/XX/XXXX, I received an email back stating that the account was closed. 

XXXX EMAIL TRANSCRIPT - XX/XX/XXXX from XXXX XXXX XXXX XXXX " Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your FlexPerks ( r ) Business Visa ( r ) account ending in XXXX. 

We have completed your request to close your account. If you have any pre-authorized charges billed to this account, it is your responsibility to cancel these charges. Pre-authorized charges may include, but are not limited to, recurring transactions from merchants such as XXXX XXXX, XXXX, and insurance or internet providers. If the charges are not cancelled, they may continue to be accepted and billed to this account. 

Your account will remain accessible online as long as an account balance remains and will continue to show online for two additional billing periods once the account balance is at zero. After that time, we will automatically remove the account from Online Banking. 


Please contact us again if we can be of further assistance. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX '' XXXX END EMAIL TRANSCRIPT ==== As of XX/XX/XXXX, the account was not closed, and the fee was not refunded. Additionally, a late fee was assessed, including interest. I called in on XX/XX/XXXX to confirm that the card was in fact, not closed, as I was told by customer support. The Annual fee was not refunded as well. XXXX XXXX 's own terms and conditions state the annual fee will be refunded if the account is closed within 30 days of the annual fee posting. 

Summary : The XXXX XXXX representative lied, and said the account was closed. The account was not closed, and the delay caused fees/interest to accrue, as well as lost eligibility for an annual fee refund.
Product: Money transfer, virtual currency, or money service

I am filing a complaint on Cash App due to anadequate service And unfair practices, which violates the consumer financial protection act. Cash App failed to take Timely ineffective measures To prevent 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 the error Resolution requirement Electronic fund transfer act ( EFTA ) And regulation E. These actions has caused inconvenient And financial loss. Hi seek appropriate redress For these violations.
Product: Debt collection

I was made aware of a debt owed when I checked my credit report back in XXXX. 

I have called and worked with this company to try and get paperwork together to clear this debt up. 

On XX/XX/XXXX, I contacted the debt collector and asked if we could come to an agreement on my {$2700.00} debt. The debt is for my daughter, so my ex-husband ( her father ) is also responsible. I was told that I would be given a 20 % discount, making the amount owed {$2100.00}. I told the person that I would send a check the next day for {$1000.00} to cover my half of my debt if it meant my portion of the debt would be paid in full, and that would be reflected on my credit report. The person I spoke to said " We can do that '' and I sent in my check the same day. 

The check was deposited and it was reflected on my account on XXXX XXXX. 

When I checked my credit report on XX/XX/XXXX, it showed that I still owed {$1600.00} of a {$2700.00} debt. 

I emailed the company through their website on XX/XX/XXXX, asking why the amount was incorrectly shown on my credit report. No response from the company. 

I called the company on XXXXXX/XX/XXXX I spoke to a supervisor named XXXX who said " We ca n't do that '' and informed me I was still responsible for the debt! He said he was going to listen to the audio recordings. I asked him when the recordings showed I was telling the truth if they would honor the agreement I made with the company, and he refused to answer me.
Product: Bank account or service

Paypal permanently limited my account on XX/XX/XXXX I appealed this decision, but my request was denied. To make matters worse, Paypal then held my funds for more than the agreed-upon 180 days ; I was only able to get the funds released after contacting Paypal after 200 days. Outrageous. Currently another issue has arisen : Paypal has restricted my ability to use ebay. Because Paypal processes the payments of certain vendors, it blocks my payments, so I am unable to engage in legitimate commercial activity with ebay vendors. Outrageous. I am seeking your assistance in having Paypal remove my purchasing restrictions on ebay. I do n't care about my Paypal account per se ( they wo n't allow me to add funds to my account, for instance ). However, I would like to be able to purchase goods and services on ebay. Thank you.
Product: Checking or savings account

I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.
Product: Checking or savings account

CHASE RIPS XXXX XXXX OFF OF {$65.00} XXXX XXXX. SEE ATTACHED. 

SECOND ISSUE IS XXXX XXXX COMPLAINS CHASE DEFRAUDS XXXX XXXX ON CHECKING XXXX XXXX XXXX XXXX OF 3 FRAUD CLAIMS IN 60 DAYS XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX DISPUTES FRAUD OF XXXX THE FIRST FRAUD IS XX/XX/XXXX AND LAST FRAUD XX/XX/XXXX AND ALL 3 LIE IN 60 DAYS. THESE ARE THE THREE CHARGES THAT I DISPUTE. XXXX REFUNDED ME AND THESE WERE NOT FRAUD. XXXX IS HITMAN AND XXXX. SO THESE 2 CHARGES WERE REFUNDED BECAUSE I ASKED XXXX TO REFUND. XXXX REFUNDED ME. DONT CALL REFUNDS FRAUD.
Product: Debt collection

Today XX/XX/2024 I called Armstrong and Associates to dispute a debt collection form that I received in the mail last week. The form states I have a debt from XXXX XXXX of {$150.00}. The representative on the phone stated that it was {$300.00} so they were trying to get another XXXX dollars out of me. They then asked how I would be paying the debt today to which I said, " I will not be paying anything today as I would like to dispute it and would like an itemized bill stating what the debt is for ''. The representative on the phone then said we sent you a bill already to which I stated that they didn't not what I asked for I want to verify the debt because I don't have a balance with the hospital to which the representative said, " How do you know ''. I stated again that the only thing I want is my correspondence sent to me about the debt as I want to dispute it and then hung up as he started screaming again.
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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.