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

XX/XX/2021, I signed up for a secured credit card with Key bank at the time I spoke to an agent about why I was opening the card at length. I stated that I was going to use the card exclusively for bills and some small purchases but I would be using the majority of the available funds monthly due to it needing to be used for bills. I was told the card would be reviewed in 6 months, XX/XX/2021 and as long as I kept a low balance on the card or zeroed it monthly, I would be given back access to the funds that were put into a savings account in order to start the card. I was told it would build my credit to have both accounts and that as long as I successfully paid the card off my credit score would go up. I expressed my intention was to be eligible for increasing lines of credit such as car and home loans in the future. The card is now negatively affecting my credit score due to a high balance when I use it even though that balance has never carried to the next month and the card has always had a XXXX balance at the end of the month. 
I have been contacting the bank since XXXX of 2021 with nothing but halfhearted apologies that the agent shouldn't have made those promises. They refuse to fix the situation and I have no way of being able to access those funds or close the accounts without further damaging my credit the exact opposite of what I spoke to the agent about. Key bank has even gone so far as to just hang up or just disconnect the chat when I use the online feature. I did inform them I intended to submit a report in XXXX of 2021 at which time they stated a higher manager would reach out to me. He did so at a time when he intentionally knew I would not be available even after I clearly stated my availability and then refused to return my calls.

When I called to receive help most recently and voiced my complaints about these matters my accounts were made so I could not and still can not use them. I was told that there was no issue with my account or cards and that there was nothing that could be done. The agents transferred me four times to four different people none of which could make any changes or allow me to use my cards.

Upon finally speaking with an agent who was in charge of the investigation I was told the matter Was dealt with internally. '' about the false promises the agent made to me and they have no intention of making any changes to my account. He even went so far as to attempt to discourage me from filing a report resorting to the classic manipulation technique of telling me how we wouldnt be able to talk anymore about finding a solution and when I informed him of being aware of his attempted manipulation and how it had failed, he became hostile. The agent was completely condescending refusing to do anything and constantly talking down to me, and then disconnected the call when I told him I refuse to be spoken to like a child
Product: Checking or savings account

On XX/XX/2022 i visited XXXX XXXX! XXXX. I attempted to use their cash advance machine ( XXXX ) as i've done so many times these past months. On this date however, i was unsucessful in completing a transaction because that particular function was down ( as told to me by the employees at the cash booth ). They suggested that i try again later that afternoon which i did -- and several times at that. I still could not complete the transaction on any of the machines i've tried. I kept getting a message saying something to the effect of 'unable to complete transaction go see cashier '. 
A short while later i went home. I decided to check my bank account and found that the amount i tried to get along with the service fee was withdrawn without my authorization. The cash advance machines did not give me an approval message and receipt to take to the cashier booth to process and receive the requested amount ( {$4000.00} + {$160.00} service fee ). At their suggestion, I filed a fraud claim with my bank that same day which has since been denied twice. I stll have not received the documents that i've requested that brought them to this conclusion. I've recently filed both a debit dispute and merchants dispute with the bank - again, at their suggestion but i haven't heard from them yet. Since the incident i have been keeping communications with the casino and the company that provides their cash advance machines XXXX XXXX to sort this out and retreive my funds. The XXXX XXXX referenced the transaction attempts, both date and times and gave their findings to XXXX whom led me to believe for the past few weeks that they would put the money back into my account but only with the assistance of my bank. The bank however, doesn't want to deal with merchants. Recently ( XX/XX/2022 ), XXXX now says to me that all of my attempts on their machines were blocked by my bank and yet, the withdrawal was made. On XX/XX/2022 I received another letter from the bank stating that an additional review of the 'original claim ' of fraud did not occur even though I have changed the nature of my claim. They also claimed to have called me by phone again unsuccessfully - my caller id reveals no such attempts at all. I am always near a phone and do not subscribe to voice mail. It truly feels as if all parties involved are avoiding responsibilty. It's been almost XXXX weeks now and other than hiring a lawyer I am running out of options. This has been affecting my health and my work. Please, someone help me.
Product: Credit reporting or other personal consumer reports

IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( CASE XXXX ) ONEMAIN FINANCIAL GROUP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will counter sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Student loan

I keep applying for a dismissal and first they lost my paperwork and said it was n't in the system. I applied again and was turned down because my XXXX letter from social security said my review was every 3 yrs not XXXX plus years. I 'm a XXXX XXXX patient. I also sent in my income which is XXXX a month. I was told by XXXX if I get a part time job I 'll loose my Medicare. My meds are over XXXX a month. It took me 3 yrs. To get my Medicare because of my age. I 'm on XXXX XXXX. I also went to XXXX. That school closed long time ago. I 've rejected XXXX and XXXX I 'm fighting for my life. I ca n't pay this loan at all. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CREDIT COLLECTION SERVICE agency because I am having difficulties applying for new credit cards. I paid the collection and do not owe anything, but the mark in my XXXX report prevents me from achieving the desired results. 
I am kindly requesting CREDIT COLLECTION SERVICE agency to remove this collection from my credit report as a gesture of goodwill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These 7 unauthorized accounts and 8 inquiries were added without my knowledge or consent. 

ACCOUNTS - 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 I have filed a formal report with the XXXX XXXX XXXX XXXX XXXX  ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX  Account # XXXX with Account name : 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
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 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. These actions have caused significant inconvenience and financial distress, and I seek appropriate redress and return for these violations.
Product: Credit card

Saturday, XX/XX/XXXX, my husband and I were out XXXX shopping. Before we left that morning, I made a gift card purchase at XXXX XXXX. We went to XXXX XXXX to look for a lamp, at the store we were told it was only available online. We were hungry, so we stopped for lunch and I ordered the lamp online. I put my wallet in my purse when I finished and hung my purse on my chair with my coat. Another couple sat behind us- they were seated after us, but left early as we were eating lunch. I never left our table. I went to get my wallet to pay for the bill, my purse was open and my wallet was gone. My husband called the manager over because he started to get suspicious of why the other couple left so early. The restaurant manager refused to let us see security footage, but provided the police phone number. 

We immediately reported to Bank of America and police as we were driving. When on the phone with BOA security, they said that XXXX XXXX charges more than {$1000.00} each were being processed for same amount. I said those arent ours, deny the charges. I told them to deny the charges as they were happening. We also received a text and a call from BOA while still in the car about a XXXX charge. We again said deny the charges, this time they did. 

For about 4 days, a temporary credit showed on our statement while they " investigated '' the claim. On XX/XX/XXXX, the charges reappeared on our statement with a denial of the claim saying that I authorized those charges. They refuse to take the charges off of our statement. They said the timeline didn't match up because the merchant processed my gift card purchase the monday following the incident. Yet, they were on a RECORDED line with me and the charges were happening and I was telling them to shut the card down. Part of protocol is to review all pending charges, which I did- I said I purchased the gift card and XXXX XXXX. I submitted a police report and supporting documents showing that my gift card purchase was made at XXXX XXXX  before we left our house/before the XXXX purchase XXXX They are using all of our documents to make their own fraud insurance claims at the same time as they are wrongly denying my claims and pushing charges onto us.
Product: Credit card or prepaid card

Credit Report Inquiry XX/XX/XXXX Your company Citi Bank BestBuy Card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
You can prove that this process mandated by the FCRA took place between your company and XXXX  consumer reporting agency? 

Citi Bank XXXX, Best Buy did not reply to both dispute letters sent XX/XX/XXXX and XX/XX/XXXX. 
Per the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TranUnion on XX/XX/ and spoke to XXXX and he informed me that he is the supervisor in the fraud department. Informed XXXX that my credit report has fraudulent inquiries. XXXX informed me to provide the fraudulent inquiries to him and the fraudulent inquiries would be deleted in 24 hours. However, its now XX/XX/, and the fraudulent inquiries are appearing in my credit report. Spoke to XXXX on XX/XX/ and informed him of the fraudulent inquiries in my file. XXXX, also like XXXX informed me to provide the fraudulent inquiries to him and it would be deleted in 24 hrs. The fraudulent inquiries were never deleted. Moreover, asked XXXX and XXXX to send email confirmation and it was refused. The fraudulent inquiries I provide to XXXX are : 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: Debt collection

I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX
Product: Debt collection

This company ( XXXX XXXX ) called me and left a message stating they are sending me legal documents and that I must be present with indentication to sign them and to call. XXXX. When I call that phone number and gave them case number XXXX they stated I owed Western sky {$9000.00} and that they were calling to collect. I stated to them that I had contacted the attorney generals office almost more than a year ago and per the Indiana attorney generals office they were legally not allowed to be collecting any monies from me as they were not licensed in Indiana. On top of that Western Sky has already collected more than the loan balance and technically they owed me everything that was collected from my as they were never licensed.