23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX. 
My name is XXXX XXXX and I visited XXXX XXXX XXXX on XX/XX/XXXX. 
My family and I have been attending XXXX XXXX XXXX for years, and have had good service and have always paid for our tickets. 
On XX/XX/XXXX I received a notification from a collection agency, in which they inform me that I must pay them an amount of XXXX from account number XXXX. I am surprised since I never received a bill or notification about this service. 
We have always paid our bills and we take great care of our credit, I think you have to review your procedures before sending a person to a collection agency, some employee made one or more mistakes and they never sent me a bill or notification. 
I hope you find a solution to this misunderstanding. 
I am going to make a complaint and send a copy of this letter to the state and federal consumer defense agencies since I consider it unfair to damage my credit history, when I am a person who takes care of your credit and pays your bills. 
I went to the clinic and they gave the telephone number XXXX, i called then and they informed me that the address number was incorrect that they had XXXX south instead of XXXX south and that sent me the bills to wrong address, but if they send us bills for my husband XXXX XXXX and my son XXXX XXXX, i paid them XXXX dollars confirmation number XXXX, they said that would not return anything to me, although the error was theirs which i consider fair, and maybe they would take me out of collection. I think it was an incorrect procedure on the part of the clinic and would have to return some of the money. 
XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX ut XXXX phone XXXX
Product: Debt collection

This about Discover Card. 
After many months, I finally received the statements and now I see what happened on my transactions. 
I called them to make sure whether I understood correctly and how to pay. but they never call me back and just hang up the phone. 

**1. Discover wanted me to pay {$220.00} to settle and I think it is because it was XXXX and XXXX transactions. Is it correct? Then could you explain what was {$30.00} I paid for? because I am trying to calculate but did not work. 

**2. To settle the payment, where do I need to pay and how? I want the proof that I paid the amount also.

**3. Once I paid the debt, how long would it take to update my credit score?
Product: Checking or savings account

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing dispute with my card provider, Current. On XX/XX/XXXX, I submitted a claim to dispute several unauthorized charges made to my account, but despite my best efforts to resolve this directly with Current, the issue remains unresolved, and my family is facing financial strain as a result. 

I have already taken the following steps in an attempt to expedite the investigation : - Submitted screenshots of my communications with the merchant. 
- Filed a police report for the fraudulent charges. 
- Provided proof that the merchant has banned the individual responsible, removed my card information, and is willing to cooperate with Current in this investigation. 

Despite this, according to the Merchant, Current has not yet contacted them, and I have received no indication that the process is moving forward. While I understand that these disputes can take 30-90 days to resolve, I am concerned that without your intervention, this process could be further delayed or potentially denied without proper investigation, as I have seen similar instances reported by other Current customers. 

I would appreciate any assistance the CFPB can provide in helping facilitate a timely and fair resolution to this matter. I am eager to resolve this situation and ensure that I am not held responsible for these unauthorized charges. 

Thank you for your time and attention to this issue. 

Sincerely, XXXX
Product: Debt collection

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ad astra recovery service for {$400.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ad astra recovery service did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX   reported the debt was verified at the previous amount. Of {$400.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I entered the Chase Bank located at XXXX XXXX XXXX in XXXX Il XXXX and immediately went to the first inside ATM located in the back of the Branch. 
I entered my card and pin number. And tried taking XXXX out of the account. 
The ATM digitally took the funds from my account but did not disperse the funds. I received an ATM receipt stating : We aren't able to give you cash right now. 
Please call us at XXXX I went to the teller showed her the ATM slip and she assured me the funds would be reimbursed in my account within 24 hours. Sounding reasonable I left.

Since the 24 hours, I have called this number, and my bank 's number multiple times. 
I have also visited the bank on multiple occasions and spoke with the Branch Manager on my last visit. 
The branch manager was no help as she laughed at me telling me there was nothing she would do about it. 
I asked her repeatedly not to discuss my problem in the open doorway and if we could take the issue into an office for further discussion. I asked her if we could call Corporate together, but the more I tried speaking to her the more she insisted upon snickering as she said nothing I can do. It is currently past 10 days and this matter is still unresolved. I filled a Police Report. 
XXXX is the report number with the XXXX police department.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.INC ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address any 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss and I seek redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX my idenity was compromised. As a result the fraudulent accounts listed below were opened in my name. The accounts listed below are currently reporting on my Experian credit file. I demand that Experian immediately remove the list of accounts below from my credit file. This is a violation of FCRA. If not, I will pursue further legal action.
Product: Debt collection

My credit was stolen 5 years ago and I have been working with credit card companies to have the debt removed. Capital One Bank will not contact me to investigate the application fraud that resulted in the {$11000.00} of fraudulent charges that has been negatively impacting my credit report. I have been working with XXXX  each month to get this fraudulent activity removed from my credit report. I have filed a police report, Identity Theft Report and a US Post Office Identity theft report because my mail has been stolen for the last 5 years. I shared these documents with XXXX  and they have shared these with Capital One Bank as well as I have reached out XXXX  multiple times encouraging a investigation to prove that I did not open an account with them and I should not be held liability for these charges.
Product: Vehicle loan or lease

XXXX again it seems I am having issues with getting correct information on my credit from my paid car loan. 

The current information is at 60 days of not being updated. XXXX sites show 60 days with no updated current payment and another shows current payment amount but missing date. 

I have a credit card so I know XXXX XXXX does its job when reporting every month. Tired of haggling with Flagship on getting my credit current.

This is the second time this has happen and will look to take bigger measures to correct this.
Product: Debt collection

I Received A Missed Call On My Cell Phone From XXXX Texas On XX/XX/2018. No Voice Message Left. I Called The Number & A Woman Answered Asking For My Name I Asked Her For The Name Of The Company, She Replied By Saying Hold On & Connected Me With Another Woman Who Claimed She Was An Attorney. 
She Quickly Mumbled Her Name As If She Was Swallowing Her Words. She Preceded To Ask Me To Verify My Social Security Number She Had On File. In A Very Aggressive Manner She Demanded Money For A XXXX  XXXX   Judgement. I Told Her That Something Isnt Right, I Dont Have Any Judgements From XXXX  XXXX  Or Anyone Else. She Then Informed Me That If I Didnt Cure The Default Right Now, She Would File The Paperwork Immediately With The State, To Collect All Monies Thats Stated In The Recorded Judgement. I Asked Her To Send Me All Of The Information By E-Mail. She Refused And Abruptly Hung Up. I Called Back & The Woman That Answered The Phone Was The Same Woman That Answered The Phone Before. She Answers The Phone Without Identifying The Business Name Or The Name Of The Law Firm.

I Asked Her For The Name Of This Business Entity & The Attorneys Name Three Times. Finally She Answered By Saying They Were In XXXX. Again I Asked Her For The Name Of The Attorney & The Business Address. She Said The Name Was Premier Holdings. 
She Refused To Provide Me With The Attorneys Name & Address.I Asked Her For Their Website Address, She Refused To Give Me That Info As Well. I Also Asked For Detailed Information Via Email In Regards To This So Called Judgement, She Just Hung Up On Me.

I Called Back And The Phone Went To Voice Mail. I Tried Calling Back At Least 4 or 5 Times, My Calls Went Right To Voicemail. On My Last Call, I Left A Message Demanding Proof Of All The Paperwork & A Copy Of The Judgement. No One Ever Returned My Call. 
I Have Never Received A Call Like This In My Life. I Am XXXX Years Old & Never Came Accross Such Tactics Similar To Loan Sharks In A Mobster Movie. 
I Am Confident That This Is A Very Unethical Company. They Need To Govern Themselves Accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$940.00} XX/XX/year> I called they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The information reported is not 100 % accurate to all 3 credit bureaus. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681s-2 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. Multiple violations gives me the write to collect {$1000.00} per violation. If you look at the document from my credit report it shows 7 inaccuracies on my consumer report
Product: Checking or savings account

1. We sent our credit card payment in full in two months ago. 
2. We received our next credit card bill, indicating that they had not received payment for the previous month and that we owed late fees and interest. 
3. On XX/XX/XXXX, we contacted Bank Of America by phone and they indicated that if we paid immediately with a e-check, they would waive the late fees. We authorized an e-check for the full amount of {$5800.00}. 
4. On XX/XX/XXXX we received an overdraft notice from our bank, XXXX XXXX XXXX in XXXX, Ok. We went on line and noted that BOA had sent an e-check for {$58000.00} ( they had added a XXXX to the amount it should have been for ). 
5. On XX/XX/XXXX, we contacted BOA and after an hour on the phone, they indicated that we would receive our money within 5 business days. 
6. On XX/XX/XXXX we went to our bank, XXXX XXXX XXXX, and filed a complaint with them to get the over payment amount back. 
7. On XX/XX/XXXX, we had not received our over payment back, so we contacted BOA again. After almost 3 hours on the phone, we finally made it to a manger - XXXX XXXX - ( XXXX ) XXXX.XXXX - and he indicated we would have our money back within 3 business days, but should be sooner. 
8. On XX/XX/XXXX, we still had not received our money back, we contacted BOA / XXXX XXXX and he indicated that a BOA Supervisor was not comfortable sending that much money back to us ... so he would not authorize it. He was not sure if or when it would be sent back. 
9. On XX/XX/XXXX, we filed a complaint with the OCC. 
10. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to see what progress they had made in recovering the theft. 
11. On XX/XX/XXXX, we reached out to CFPB and filed this complaint. 

We did not authorize BOA to withdraw {$58000.00} from our account. 
We consider this as Bank Fraud / wire fraud. 
We want our money back and they should be penailzed. 

XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 at XXXX, I called Credit Counsel Inc XXXX XXXX ) XXXX, a debt collector representing XXXX XXXX XXXX in reference to a collections account in the amount of {$280.00}. I offered to pay the amount owed. The response from the guy was that the amount owed is almost {$700.00}. I asked how is that possible, and he said that administration fees are being charged. I told him that I understand that they are a business and need to make money, but {$700.00} on a {$280.00} debt seems to be a bit overkill. As a business owner myself, I offered to pay them {$350.00}, as I thought that {$65.00} would be a reasonable " administrative '' fee for them. He refused, I then asked if he could break up the amount that he was asking into smaller payments and he refused as well. I then impolitely told him that I guess we will just play the waiting game and wait until it falls off my credit and then no one gets paid. Also keep in mind that this a medical bill, and I was out of work for a significant amount of time, hence the reason this account went to collections.
Product: Debt collection

XXXX XXXX XXXX  XXXX sold my debt to Radius Global Solutions. I paid Radius Global Solutions and I was told that Radius Global Solutions sent XXXX XXXX XXXX XXXX notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time XXXX XXXX XXXX  XXXX replies, they continue to update that the amount is owed to them. I am attaching the letter from Radius Global Solutions as evidence that the debt is paid.
Product: Credit card or prepaid card

Synchrony Bank, via the XXXX XXXX, opened an account in my name without my authorization. Further, they are sending me marketing communications and claiming that I can not unsubscribe from these communications based on my business relationship. Since no such relationship exists, I believe this also constitutes a violation of the TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Accounts Numbers Listed Below, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer Reporting Agency Can not furnish a account without my written instructions.
Product: Checking or savings account

I received a XXXX loan for my business which was deposited into my checking account with Capital One Bank they froze my account saying that I am not entitled to my loan which was two deposits the first drawer was XXXX on XX/XX/XXXX the second drawer was deposited on XX/XX/XXXX for the amount of XXXX. They have since told me the funds are going to be sent back in which they have taken XXXX for a SBA grant received in XX/XX/XXXX and I have no idea where those funds went and they will not tell me. I know have XXXX in my bank account they are holding and drawing interest on. I reached out to the lender where the funds came from and they have advised me that they funds are mine and there is no way that the bank is going to return the money to them it is almost 2 months since that have frozen my account. I need what is rightfully mine the bank needs to be dealt with. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have called Navient several times over the course of the last few years to get help lowering my payment but they keep saying there is no way to do so. I 've been paying on my XXXX since 2004 and I have a child in college and am having a hard time swinging all of the payments. I 'm not asking for something unreasonable as I 've made payments of {$250.00} a month for years and never missed a payment despite my loans being transferred from the government to private companies. Just some reasonable assistance.
Product: Credit card or prepaid card

I noticed my Chase credit card account is closed when trying to use the card today. I was just able to use my card yesterday. 
I didn't receive any format of communication on the account closure prior to account being closed and caused me incredibly amount of inconvenience. 
I called to ask the reason why they closed my account and learned that they believe do not have enough credit information for me. But they approved me a card three years ago with even less information than today. So the reason doesnt make sense! 
I have a good credit score and 10 years credit history. Never late for any chase credit card payment. I found this incident very unjustified.
Product: Checking or savings account

I had a Safety Deposit Account, they bundled without me knowing. I ran into some financial issues and recognized Id been paying for a box I didnt know I had. I was made to call the branch that would not respond after several attempts. When they responded, they would not close the account unless I would fly or drive 500 miles and spend that travel expense just to close the account. I was assigned to an employee in the branch who said hed help but never did. He avoided contact. I believe the account was open at least 15 years without my knowledge. I gave up, seemed like there was nothing I could do.
Product: Debt collection

I submitted a request to have the following information removed due to theft. 
The following accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, there was an attempt to transfer XXXX Litecoin from the cryptocurrency exchange XXXX ran by Coinbase, to the cryptocurrency exchange Binance. To transfer cryptocurrency from one exchange to another, it should take only as long as the blockchain takes to confirm this transaction, as no bank processing is involved. Stated on the Litecoin blockchain explorer site, transactions are confirmed after six transactions. Currently, XXXX XXXX, XXXX, my transaction has XXXX confirmations and still counting. My LTC transaction hash is, XXXX. By searching this hash on, XXXX XXXX XXXX the transaction can be found. XXXX Litecoin is roughly equivalent to {$1300.00}, which is a decent amount to be missing for 10 days now with absolutely no response from the company. I sent the company a support ticket but still have not received a response, and the problem seems to be shared across a lot of users according to social media. 
Because there has been no type of response or acknowledgement of this issue, I am afraid my funds may not reach my account. I would like to know more about filing a lawsuit against Coinbase and XXXX for financial mismanagement. If this can not be done, I am curious as to what regulatory standards this company is being held to concerning their legal financial management. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX  XXXX XXXX/XXXX/2023
Product: Debt collection

HI, I REALLY SAW XXXX OPEN AND XXXX CLOSED ACCOUNT ON MY XXXX CREDIT REPORT AND XXXX COLLECTION, I CAME IN THE XXXX IN XX/XX/year> I WAS APPLIED TO MY FIRST TEMPORARY GREEN CARD ON XX/XX/year> NOW I SAW MULTIPLES DATE WITH DEBT IN MY ACCOUNT BEFORE I CAME HERE. PLEASE CAN I HAVE A CLEAN PROFILE CAUSE THOSE ARE NOT MY TOUCH I ONLY HAVE A CAR THAT I KNEW AND WANT TO SEE MY PROFILE LOOKS GOOD AND NOW THERE IS A XXXX COLLECTION I SAW NAME XXXX. {$220.00}. I WANT TO HAVE MY PROFILE LOOKS GOOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a credit monitoring product from equifax, in XX/XX/XXXX. After q month I decided the plan was weak and did not offer me what I expected, therefore I tried to cancel the product, I was told by equifax to login to my account to cancel, when I did I couldn't find the cancelation feature and called the Equifax consumer help line. 
When I was helped by the agent who proportedly claimed that the service was canceled. 
Then I contracted XXXX in both XXXX and had a XXXX XXXX, I have been consumed with healing and dealing with my medical condition, as I had a XXXX XXXX 
Now today I Che k my credit card and realize Equifax is still charging me the {$5.00} monthly service fee and called Equifax support, who refused to return my money and charged me a XXXX XXXX  surcharge for XX/XX/XXXX. 
I was asking for and expecting a full 1yr subscription refund, yet the equifaxe agent only intent was to rip me off. I am deserving and owed a full refund of {$5.00} XXXX XXXX = {$71.00}