23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX tried to collect a sum that was incorrect from me. When I called them on the phone to explain that I owed them {$370.00} less than what they were attempting to collect based on what my insurance company had paid me to cover the costs, they agreed. My insurance company had sent me checks to cover certain costs that were covered, but a month later, requested a part of that payment to be returned to them, which I did. 

Because of this experience, I told XXXX on the phone that I would call them back to pay the bill once I confirmed with my insurance company that they were not going to rescind any more of the money that they had provided to cover this bill. 

After I confirmed with my insurance company that they were not going to take back any more of the money they had paid, I called XXXX to pay the bill. I was left on hold for many minutes and was finally told to " leave a message '' because no one was available to answer my call. I kept calling and leaving messages every time I would receive another bill and I only received 1 call back from them ( which I missed when picking up my child from school ). 

I have just received a collections notice from Transworld Systems for {$370.00} more than what was agreed upon, an action that will now impact my credit score, which I take very seriously. 

This company has been deceptive in its debt collection procedures -- charging me more and then making it impossible for me to pay my bill with them over the phone.
Product: Vehicle loan or lease

GM FINANCIAL IS REPORTING THAT A LATE PAYMENT ON MY BUREAUS.I HAD NEVER PAID LATE OR MISSED A PAYMENT
Product: Money transfer, virtual currency, or money service

Essentially someone in XXXX of XXXX some how someone had gained access to my debit card and used it to send themselves money Via apple XXXX. The transactions leading all the way up until XXXX of XXXX had be in small amounts and increments never exceeding over XXXX dollars so it was easily unnoticed especially considering that I do have an XXXXXXXX XXXX  Account.. On XX/XX/XXXX I had received a workers comp Settlement for over XXXX dollars. I made several purchases for Christmas gifts for my family as well as past due bills so It was no surprise to have thousands coming out of my account however after tracking all my purchases something was not adding up. I then viewed my XXXX Bank statement and immediately noticed two transactions via apple pay for XXXX of dollars I then crossed referenced my XXXX cash statement and those transactions were not sent to or from me which then prompted me to search in my transaction history the name of the charge description " XXXX cash XXXX sent to XXXX '' which made me aware of the long term fraudulent activity. I immediately made Bank of America aware of this and filed XXXX separate claims for all of the transactions dating back to XXXX of XXXX although there was transactions made before that I was told I could only try and recoup funds from less then a year old. Bank of America Then denied my claim because they falsely determined the transactions were made by me or someone I gave permission to use my card. I have never willingly given anybody my card information nor did authorize anyone to steal thousands of dollars from me. We hand and trust our debit cards with servers and other merchants on the and it literally takes no effort to take a photo of a debit card and then add it to your own apple pay. I then appealed this decision with a written statement highlighting that even a simple google search of " XXXX '' will tell you that this is a scam that affects many people as well as providing my apple cash statements dating back to XXXX of XXXX when the fraudulent charges started. Unfortunately bank of America has refused to refund me my stolen funds with the reason being the same initial reason they gave on my first claim " The charge was authorized by me or someone who has permission to use my account '' In conclusion I have been wrongfully victimized and and my bank refused to do what they for legally obligated to do with clear evidence of fraud I am seeking for CFPB to resolve this issue by assisting me with holding Bank of America accountable for legal obligations for their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to XXXX XXXX in order to deelete the account but it s still there years.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account: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 an account without my written instructions. 

This is a fraudulent account ; I did not open any account with this creditor.
Product: Credit card or prepaid card

Wanted to cancel a charge for a purchase that went through as a recurring yearly charge. When I purchased the ski pass fir XXXX I was not aware that it would be recurring charge in the future. I contacted the company XXXX, and they claimed that it could only be cancelled for specific reasons through a third party entity. It seems that I will never be able to cancel this pass whether I want it or not. This charge was for a ski pass and I tried to cancel it in XXXX way before the season even started. The credit card company, Barclay is siding with XXXX. The charges are {$570.00} and {$50.00}. 
XXXX is being Draconian with their position. Barclays is preferring to side with the big corporation rather than their customer.
Product: Credit card or prepaid card

On XX/XX/XXXX {$4000.00} worth of fraudulent charges were made at XXXX XXXX and XXXX XXXX stores with my Chase credit card. 
On XX/XX/XXXX upon discovering the charges on my statement I called Chase to report the charges and communicated I did not know where my card was. The account was closed and Chase sent a new card. 
On XX/XX/XXXX Chase mailed a letter stating that I was responsible for the fraudulent transactions. 
I called to inquire and submitted the claim for a review. 
On XX/XX/XXXX Chase mailed another letter stating that the transactions were still valid and I would be responsible for them. 
On XX/XX/XXXX I filed a police report after Chase asked whether I had filed one. I submitted the claim for 2 more reviews and on XX/XX/XXXX and XX/XX/XXXX Chase mailed letters stating the transactions were still valid and I would be responsible for them.
Product: Prepaid card

On XX/XX/XXXX I went to your store the one in XXXX XXXX purchased all my kitchen appliances from Best Buy. The issue that I have is with the microwave trim kit. The first one I got was dented I called Best Buy to notify them of the issue. I received another when the crew members came to install it was forced in and the microwave kit was dented it. Called Best Buy again they sent me another microwave kit. Crew members came again not able to install it because it was the wrong size, they took it to back to the store themselves ( crew members ). Called Best Buy again was sent another microwave kit wrong size again this time Best Buy sent XXXX to pick up the kit. At this point I don't know what to do anymore. I paid for all my appliances, but I'm stuck with a dented trim kit. I don't have any trim kits in my possession except the one that's installed which is dented and loose on top. I have called multiple times and they have me on the merry go round. I spoke with XXXX the supervisor who promised me XXXXXXXX XXXX card. Last time I spoke with her was on XX/XX/XXXX gave a reference number XXXX XXXXXXXX and told me I should be receiving a XXXX card within XXXX  days. At this point nothing, this issue has not been resolved. I'm tired and annoyed of calling have explained the issue to multiple people on their customer care department and I keep getting a different story every time. Until today I have not received the XXXX that was promised to me which is rightfully mine. See files XXXX pic is dented at the edges and second pic the kit is loose on top not properly installed.
Product: Money transfer, virtual currency, or money service

I am filling 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 regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing information that has been reporting in correct on my credit report. Name, address, repos, numbers of inquiries, jobs. Ive even mentioned the letters that XXXX XXXX gotten in the mail in regards to there in a security breach and that my personal information had been exposed and possible used. Almost three years and no one has not done anything but update the account the wrong way with false information.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check. 
2. I do not pay my credit card balances. 

I contacted XXXX XXXX and I was told to reach out to Experian where they get their information. Experian stated and confirmed I do pay my credit cards on time and I am not late. I have 3 consumer cards with XXXX XXXX and I have never defaulted or made a late payment. I then asked Experian who is writing bad checks in my name? XXXX XXXX told me I had returned checks. They stated that they have no bad checks on my credit report. XXXX XXXX wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX Equifax XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXXXXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX XXXX XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit card or prepaid card

I received a letter from Citi, dated XX/XX/23, with regard to my account ending xxxx [ redacted ]. The letter states that " the balance of your closed EXXON/MOBIL CLASSIC account, will be cancelled by Citi. The balance on this account is {$520.00} as of XX/XX/23 ... .Citi will report this debt collection on Form XXXX, as required by US law. You are responsible to any applicable taxes and consulting a tax advisor related to this debt collection. If you wish to continue paying down your balance, you have 60 days from the date of this letter before debt cancellation occurs. '' A payment of {$2000.00} however was already mailed, thereby bringing the balance due on the XXXX Statement to {$500.00}. 
Nevertheless, a month later, on XX/XX/23, Exxon/Mobil Citi sent me a bill entitled XXXX XXXX with a total balance due of {$530.00}. The statement says " Your account is past due {$20.00}. '' This means that subsequent to the XX/XX/23 notice of debt cancellation, the account was kept open and interest and fees were accrued. 
The XX/XX/23 notice did NOT state that interest, fees and penalties would continue to accrue until the cancellation - rather it said " you may wish to continue paying ... '' This sentence indicated that continued payments would be optional without any accrual, and implied that the sole reason to make any payments would be to lower the amount of debt reported on the XXXX. 
Numerous calls were made to the 800 number on the XX/XX/23 - XXXX - but all representatives give the same refrain- they can not help due to the account being closed, with multiple representatives passing the calls to other departments and then being hung up upon.
Product: Debt collection

I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are the result of fraudulent activity. I have been disputing these unauthorized accounts several times and I believe that this will be the last time that I will escalate these items. 
The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 
12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
XXXX XXXX Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX Bank according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX Bank should delete all account information they share with XXXX, TransUnion, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 
Since XXXX XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Checking or savings account

I had to file XXXX sifferent disputes over the same merchant Same one for alll XXXX chime denied first said no error and has denied XXXX times in total when I ask for reasoning XXXX XXXX evidence I get sent the same exact same XXXX links that I was given the first time no explanation. Of the XXXX identical disputes one gets denied over and over again ( highest dollar about ) XXXX was approved ( smallest $ amount and one is stilll on going how is it possible to have XXXX differ out comes for the same issue?? So when I was award XXXX of the disputes that was chime admitting the transactions were not mine nor did I do them wont that say alll of them are?? they make it impossible to relay eveidexnce and to top the cake they had a rep tell me over the phone XXXX so I know its recorded she said they my whatnot.con gave chime the dudes saying it was fraud. When I say anything about it attitudes change fast they know legally they would half to friends my account in the photos I included photos of the evidence for XXXX people nothing changes ( and I have been. Wry insistent. On over wheeling amounts of evidence. Right after the rep said what sha di my diputw wa rejected not even XXXX min later This has placesld a high hardship on me and my family Aswell as my e-commerce business is is suffering I had dees to pay with that. The other XXXX photos shows zooming XXXX times date and locations for the XXXX hacks that chime assured me it never happpenwd