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

I was given a NetSpend card as a gift. This card was purchased on X/X/2017 at XXXX from XXXX in XXXX XXXX, North Carolina. Following the instruction on the packaging, I tried to activate the card online. That process failed and I was directed to call a phone number that was different from the phone number in the instructions on the packaging. The number on the packaging says to call XXXX, the website directed me to call XXXX. Upon call the number prompted from the website, I went through a series of automated prompts to enter the card number, my date of birth and my SSN. Then, I had to wait to speak with someone. This person took more personal information : may address, my phone number. Then she stated that I would need to take a picture of my social security card and my driver license and email it to them, yes, she said take a picture and email it. I challenged this and stated this was a gift card and I do n't take pictures of my SSN or DL and send it to anyone. This seems like a front to steal identities! Ridiculous! My sister gave my XXXX teenagers each a {$50.00} NetSpend card. We cant activate a single one without giving extremely sensitive information either by way of fax or email. They have scammed my sister out of {$150.00} PLUS the fee for each card of {$2.00}. This is an unacceptable practice. This card was purchased at a store, not a bank and not via a bank or credit union website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to TransUnion, XXXX and XXXX on XX/XX/2023 and asked them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX, and XXXX I asked them several times to correct this information and they keep responding that the information has been verified. The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have a right to privacy According to 15 USC 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my 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, the date last reported is inaccurate, the high credit is inaccurate, credit limit inaccurate, date of last payment is inaccurate, account status is not accurate. This is grounds for removal. 

I can go on and on about how the credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Payday loan, title loan, or personal loan

I contacted the collection agency about couple of months ago. I left them a message and did n't received a response back. I called them again during regular business hours and this lady answered the phone. I told her that I would like to take care of my account and that they never contact me after I left them a message. She was not happy with my attitude and hanged up on me. I called back and a receptionist answered the phone call. He keep on placing me on hold and I keep calling back. He then got annoyed and told to send him my email address so he can send me some papers to sign. I told him that all I wanted to do is pay off the loan. I told him that I never had to do this before and he hanged up on me. Last week I tried a different approach. I called the company, XXXX XXXX, that I took the loan from. She said that they could n't do anything because they sold my account. I would need to contact, Plaza Services, which is the collection agency. I tried calling and still be placed on hold. They are giving me a hard time when I am trying to pay off my debts. This collection agency is ruining my credit and it 's wrong. I know I made the mistake and I am trying to fix it. Why give me a hard time when I am trying to pay it. Do n't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on serveral occasions telling them im a victim of indentity theft & my XXXX was used fraudulently to opened an XXXX XXXX  account and its showing a remark of bankruptcy which I have never filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has listed a {$610.00} collection to my credit report. The debt source is accurate, however the balance is not. The final high balance of that delinquency does not match the collection amount. 

I have paid this debt and have sent mail to XXXX XXXX asking about the debt however have not received a response. ( Both electronic and snail ) 15 U.S. Code 1681i states that Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

Consumer Financial Protection Bureau Re : Request for Bank of America to provide copies of ALL Credit Card and Bank Account Applications submitted for XXXX XXXX and my businesses, XXXX XXXX XXXX, XXXX XXXX. 

My name is XXXX XXXX, I have a Personal account at Bank of America and I had XXXX Business Accounts and a Trust Account. I opened a service ticket with Bank of America on Wednesday, XX/XX/2023 with Customer Service Agent XXXX - Ticket Number Case ID XXXX. My request is very simple. I requested copies of all Credit Applications and all Banking Account Applications submitted by me or my businesses. I was placed on hold for 3 Hours and then told some one from Bank of America would contact me in 48 Hours to tell me how to obtain copies of all credit card and bank account applications submitted by me or for me and my businesses including all Approved and Declined requests. 

No one ever contacted me and all of my access to the accounts in question has been removed. It is essential that I obtain copies of the applications that instantiated all accounts the bank is holding or held as me or on my behalf. I have been the victim of fraud and identity theft at Bank of America. 

Please have Bank of America provide copies of all Credit Card applications and Bank Account applications for the following : XXXX XXXX Social Security Number XXXX XXXX XXXX  XXXX XXXX ID XXXX XXXX XXXX Tax ID XXXX Please help me obtain these details so that I can assess which accounts were actually owned and controlled by me. All of my accounts have been plagued by what appears to be internal Bank fraud and account manipulation and errors at Bank of America. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Disputed amount for {$240.00} due to being sold fraudulent tickets from XXXX and provided screenshots of the tickets, the issues that were supposed to be resolved by XXXX, and proof that the venue was unable to take the tickets. After multiple attempts to get this resolved, Goldman Sachs continued to side with the merchant.
Product: Student loan

I transferred my loans to XXXX XXXX over a year ago. They still haven't processed my paperwork correctly. They continue to tell me there will be a wait of up to six additional months to assess my account and paperwork.
Product: Student loan

I made my loan payments through navient for years and they did not inform me of XXXX or provide me with correct information when I asked. They did not ensure that I was on the proper payment plan.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX. XXXX credit / XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XX/XX/year> Inquiry Name Date of Inquiry Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I rencently I locked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had the same PNC account for OVER 20 YEARS ... ..several years back PNC had branches here n Arkansas but withdrew those branches which left me 500 miles away from the nearest PNC facility XXXX .so whenever I use my ATM card not only does the bank I'm using charge me a fee but my own bank PNC charges me as well!!!!! PNC HAS BEEN DOING THIS TO ME FOR YEARS THAT I WAS NEVER RE-IMBURSED FOR! Several months ago I called/complained and PNC started re-imbursing me every month for THEIR FEE PORTION ... ..up until this month when they refused to RE-IMBURSED me!!!!! It is not my fault that PNC discontinued service n my area so why I should I HAVE TO PAY MY OWN BANK FOR THIS EVERY TIME I USE MY CARD ... .AGAIN PNC HAD BEEN DOING THIS TO ME FOR LITERALLY YEARS so I would like an explanation please as the option to email PNC within my online account has been XXXX.
Product: Debt collection

I first explained to the office of Smith Debnam Narron Drake Saintsing & Myer, LLP my financial situation on XX/XX/XXXX. 
At that time, I had been XXXX free for two years, recovered from a 35-day Govt shutdown and a setback from COVID-19. 
On XX/XX/XXXX, I received a letter from Smith Debnam Narron Drake Saintsing & Myer, LLP, that they had tried to contact me and work with me, but they had not heard from me. Which is not true. I had just contacted them two weeks prior in writing. I had contacted the original creditor 8 times for XX/XX/XXXX XX/XX/XXXX. All those communications were forwarded to Smith Debnam Narron Drake Saintsing & Myer, LLP on XX/XX/XXXX, to say I was not communicating was just not true. 
The correspondence I sent on XX/XX/XXXX, was opened, and returned by their offices, On XX/XX/XXXX. I proposed a payment arrangement and sent a {$25.00} money order as a good faith jester. That money order was not returned. I assume it was cashed. I was expecting a written confirmation of acceptance of the arrangement or return of the payment with alternative terms. To the contrary they seized the funds without any notification. 
On XX/XX/XXXX, Smith Debnam Narron Drake Saintsing & Myer, LLP garnished my checking, savings, and an account that belong to my daughter in the amount of {$3000.00} without any notification. 
This garnishment left me with no money to pay other obligations. 

I would like the garnishment returned and a reasonable payment arrangement to be made in writing.
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX XXXX I have contacted XXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX ; and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. " 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. Below, I have attached an accurate credit report from XXXX XXXX XXXX of all three bureaus reporting inaccurately. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
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, and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Cap1 restricted the card and then keeps asking for more and more documents and I have supplied everything they asked and they closed the account, seized my points, not refunding Annual Fee paid.

They want Utilites bills, I provided ; They want Bank Statements, I provided ; They want proof of income, I provided ; They want ID and SSN, I provided ; And then they closed the account, seized my points, not refunding Annual Fee paid.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Theres a debt for {$350.00} and this debt is through a third-party named XXXX XXXX XXXX. I am not responsible for this debt and I do not have no awareness of this debt. This is fraudulent. Its identity theft, and I want it removed immediately.
Product: Mortgage

Our mortgage was purchased by Freedom Mortgage in XXXX of XXXX. In XXXX of XXXX, we made an extra " mortgage only '' payment that was incorrectly processed by Freedom resulting in interest and escrow being deducted from the extra payment. I discovered the error in XXXX, XXXX and are still trying to get the situation corrected with confirming documentation from Freedom. In addition, in XXXX of XXXX we received notification that our escrow account was deficient {$440.00} and we could pay it in a lump sum or they would increase our monthly payment by {$39.00} for the next 12 months. We submitted the {$440.00} payment, but they incorrectly allocated that payment and instead increased our monthly payment. Over the past 18 months they have increased and decreased our monthly payments without cause or notification. Freedom has been difficult to contact, as you typically speak to a different customer service representative each time you call and must re-explain the situation each time. The escrow department is not communicating with the payment department, hence incorrect information is being used for analysis. I have been dealing with Freedom on these issues for 4 months, but there is no urgency to get the problems created by Freedom Mortgage resolved quickly.
Product: Prepaid card

I have two prepaid cards for {$100.00} and {$50.00} respectively. I have tried to use them with XXXX, XXXX XXXX, XXXX, etc. and they will not work. I've also tried to check the balance of them ( even though I have no successfully purchased anything ) and even this process does not work on the AMEX site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under law 15c 1681 Equifax, XXXX, And XXXX have broken the law and gone against my privacy rights to fair credit reporting. I have tried to fix this on my own through disputes. I cant even get in to Equifax, but from what Ive heard I dont have a score with them. The three companies have been giving out fake scores, hurting me as a consumer because this causes my interest and monthly payments to go up. This is called unfair credit reporting, I have become a victim of the credit bureaus reporting issues.
Product: Debt collection

Hello, I received notice today that I am being sued for a dental bill for my son for {$180.00}. The collection company did not take all the necessary action to bring this bill to my attention. They did not call me multiple times, did not leave voicemail, did not text me and did not email me. My husband wasnt contacted either. They state they called and sent out a statement, but I have no notice of this and can with 100 % truth tell you I never received multiple attempts from this company at all. I have paid the bill in full, which after fees was {$440.00}. I want all record of this removed from everything. What they did was not right. You can not say you whispered to someone then sue them for not hearing. This isnt even on my credit report that I check weekly. They did not try to bring this to mine or my husbands attention before they decided to sue. My paper shows its was filed on XX/XX/XXXX at my court and today it was received on XX/XX/2021.
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV Funding LLC acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX
Product: Debt collection

I opened two wellness accounts with the XXXX XXXX Hospital for my two dogs.

First was opened on XX/XX/XXXX, second on XX/XX/XXXX. Every visit was paid the same day before we left the hospital and on top of those payments the XXXX was collecting monthly charges of {$64.00} every month on first for the first dog and {$42.00} for the second dog on XX/XX/XXXX every month by withdrawing it from my checking account and those funds were later used to pay for some charges for the dog 's treatments and wellness visits. Attached are all the bills and payments showing that everything was paid on time. Unfortunately my dog had to undergo surgery to remove the XXXX  in XX/XX/XXXX. XXXX was paid in full. The outcome was very bad, XXXX XXXX XXXX XXXX was XXXX and XXXX, XXXX  were nXXXX XXXX XXXX together and XXXX XXXX. The vet XXXX XXXX XXXX second time but it did not help and XXXX XXXX   again. I took our dog to the other clinic and was told that it was XXXX XXXX, dog was in very bad condition with XXXX XXXX XXXX and whoever did the XXXX did not do it the right way. We were told that the only thing we could do now was to XXXX the dog. So we did. I called XXXX XXXX  to cancel the membership on XX/XX/XXXX and asked them to stop withdrawal from my checking account but was told that it is impossible since I had to pay club membership for entire year from starting it, dead dog or not, coming for appointment or not. They kept withdrawing funds for the wellness club for BOTH dogs for the next several months until I closed my account due to identity stolen and money stolen from the account. At this point XXXX sold both dogs ' account to IC System and on XX/XX/XXXX they started collection activity that I have on my credit till now. They want {$300.00} for the dog that actually was killed by their veterinarian and {$160.00} for the other dog that was already under other veterinarian care. Like I mention all bills were paid at the time of their visit, and I even received refund for the overpayment for the dog that was later euthanized. My surviving dog had different veterinarian and I was paying her bills at the new place. I was not going to take my other dog to the place that killed my other one.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX, Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter
Product: Credit card

A membership purchase was attempted and credit card company denied payment, I then used another card for payment. The denied payment then was posted to my statement. I spoke to the merchant on 5 different occasions and they advised no payment has been received from the denied card. I have spoken to the denied card company several times with no resolution. I asked to know where the disputed payment went with negative results. I have asked to speak to a supervisor and was disconnected. I have credit statements from both companies for the exact same charge. All the disputed company will say is that the charge was posted and it will take XXXX for them to look into the discrepancy. 
Any assistance will be greatly appreciated.