23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.
Product: Debt collection

On XX/XX/year> XXXX  XXXX XXXX XXXX, told me I had to pay three months in advanced since I had been struggling to pay my bill on time. However I never missed a payment. I didnt have the money but I still paid the full 3 months borrowing from everyone I could to make it on time. XXXX XXXX XXXX XXXX said I was good in the clear. I even used my account login to pay my XXXX loan payment on time through their website. However I noticed that none of the transactions starting with the 3 month payment were recorded on my transaction activity or statement nor was my payment for XXXX. My account simply says my next payment due is XX/XX/year>. Where is my money going? Why wasnt I notified? Why am I being served for a debt that I dont even know the amount of since my account remains current? Who took my money when I called it in to XXXX  XXXX XXXX. Did it actually go towards my loan? Was this a miscommunication between bank and creditor? How long has this been hurting my credit due to false information!? How long has this been effecting my credit!? I also have screenshots of the non posted payment receipts that were made and not reflected on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DSNB MACYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute this with the credit bureau, Transunion. However, their website continues to prevent me for submitting a dispute. I was logged into my account. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.
Product: Credit reporting or other personal consumer reports

Their was a credit card account opened on XX/XX/year>. From XXXXfortiva in the amount of {$4000.00} with XXXX already used. Soon as I seen it I disputed the account I will call the company first thing in the morning as their close at the time of writing this.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Refund Request for Undelivered Pre-Ordered Product Dear XXXX XXXX Customer Service , I am writing to formally request a refund for a product I pre-ordered from your company on [ XXXX XXXX ], which to date has not been delivered. 

The details of my order are as follows : Order Number : [ XXXX ] Product Name : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] Product Name : [ XXXX ] Date of Expected Delivery : [ Expected Delivery Date, was not provided me the customer XXXX XXXX ] Amount Paid : [ {$200.00} ] US Dollars price with shipping Cost [ {$210.00} ] Us Dollars. 
Fulfillment Status [ UNFULFILLED AS OF XX/XX/XXXX at XXXXXXXX XXXX ] It has been [ 187 days, 27 weeks and 6 months ] since the expected delivery date, and I have yet to receive any notification or update regarding the status of my order. I have made several attempts to contact your customer service team to resolve this issue, but I have not received a satisfactory response. 

As per my rights under [ refer to the relevant consumer protection law in your country, e.g., " XXXX XXXX XXXX XXXX XXXX '' in the XXXX or " the Federal Trade Commission Act '' in the USA ], I am entitled to a full refund for goods that have not been delivered within a reasonable timeframe. 

I kindly request that you process my refund to the original payment method within a reasonable timeframe of 7 business days of receiving this letter. Please confirm via email or phone once the refund has been processed. 

If I do not receive a response or refund within this timeframe, I will consider taking further action, including filing a complaint with the relevant consumer protection agency and seeking assistance through legal channels if necessary. 

I appreciate your prompt attention to this matter and look forward to resolving this issue amicably. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a message in my Venmo app for what appeared to be a money request from my wife XXXX XXXX. What it really was, was a scammer who had cloned her account and had me send them money pretending to be my wife. Once discovered, minutes to an hour later, it was brought to the attention of Venmo customer service. Buy this time the scammer deleted the profile pic and changed their name to XXXX XXXX. They said that it was essentially my fault. That even though this person had copied everything from her picture down to the name that I was supposed to know that I was being scammed on my own. They offer no refund or resolution of any type other than I need to be more careful next time. I find it hard to believe that a site that is linked to so many peoples bank accounts and private information that they are allowed such complacency in fraud. Venmo harbors these criminals and takes absolutely no steps to resolve the fraud once its occurred. Their site is completely unsafe and if they charge a fee when you withdraw your money, one would be reasonable to think that money should be put towards protecting the consumer when fraud occurs. I realize I likely lost my money forever that day, that is not why I am writing this. I am writing it because there are likely thousands more like me that were scammed and Venmo takes no steps to correct or protect their consumers.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card

THIS IS NOT A COMPLAINT AGAINST AFFIRM. AFFIRM IS A GREAT COMPANY. AFFIRM IS CURRENTLY TRYING TO RESOLVE THE PROBLEM I apologize going through the CFPB but Affirm customer service did not give me the option to send them ( Affirm ) the correct files. I forgot to upload the updated files. The file that I uploaded was the files that I sent along with my complaint against XXXX, XXXX to Federal Trade Commission and the XXXX XXXX XXXX Attorney General Office. 


On XX/XX/year>, I informed and filed a dispute claim regarding the XXXX purchase. However, I accidentally uploaded the wrong file to show Affirm on what was going on. 


On XX/XX/year>, I purchased XXXX, XXXX, XXXX machine for my elderly parents using my Affirm credit. On Sunday, XX/XX/year>, I received the XXXX, XXXX, XXXX machine. 

On XX/XX/year>, I received a response email from XXXX, XXXX, the makers of the XXXX machine. 

XXXX, XXXX informed me that I would have to pay for the return shipping. 

Neither XXXX advertisements nor the manual mentioned that customers must pay for return shipping, which surprised me. On XX/XX/year>, I filed a complaint with my states attorney general office. And the United States Federal Trade Commission. The FTC complaint number is XXXX. 

As of XX/XX/year>, I have not heard from XXXX, XXXX. 

Before filing complaints against XXXX XXXX XXXX, I discovered via the XXXX XXXX XXXX  that theyve had multiple customer complaints, particularly from seniors regarding product returns. 

Below is the URL of XXXX XXXX XXXX findings on XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The company is requiring me to enter a physical branch to close my business accounts. I did not agree to any such terms. I was able to open my accounts online without any issue.
Product: Debt collection

Beyond Finance, Inc. promised to negotiate the settlement of my credit card accounts that qualified for the credit reduction program, which I enrolled in XX/XX/2019. After 19 months in the program, only one debt had been settled and paid off. After {$5500.00} I still did not get the settlement on all 8 accounts. 

The company is using deceptive practices. I have contacted the company numerous times, only to get the runaround. I filed with Missouri Attorney General XXXXonsumer Protection Division, who sought to mitigate the process, but also got the run around until they recommend me suing them in small claims court or retain an attorney. 

The company ruined my credit, prior to joining the program I had not missed any payments on my credit card accounts. I was asked to miss 3 payments and my credit will be restored after 4 months. the missed payments were to be eligible for the program, only to find out that the company ( Beyond Finance ) only sought to settle the accounts after they had been charged off and interest and fees increase their percentage on recovery. AA total scram.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. 

Please remove this history immediately from my reports. 

I am giving 5 business days for this to be completed. 

Thank you.
Product: Credit card or prepaid card

Called capital one to check and pay balance. Was told i had fraud alert. They asked for phone number tAMTRANSACTION TOOK PLACE ABOUT 3- 4 AMend text for ID VERIFICATION . SAID THAT THEY CANT SEND TEXT MESSAGE. BUT WAS ABLE TO SEND LINK TO WEBSITE TO SUBMIT ID PICTURE. STILL NO ISSUE RESOLVED. LAST USE OF CARD WAS AT A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN. THE REGISTER DECLINED FIRST TRANSACTION OF XXXX. SECOND TRANSACTION WENT THROUGH. ANOTHER TRANS ACTION WAS MADE AT FUEL PUMP FOR XXXX DOLLARS. AGAIN FIRST TRANSACTIO. WAS DENIED. WENR INSIDE TO PAY THE SAME HAPPENED. THEN IT WENT THROUGH. THEY MUST HAVE SOME SCANNER THAT GETS CARD NUMBERS REMOTELY. TRANSACTION TOOK PLACE XXXX AM
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00}
Product: Credit card or prepaid card

On XXXX someone hacked into my Netspend account and transferred {$1300.00} of my money to another Netspend account. I saw the transaction and immediately called to file a dispute on XX/XX/21. The agent I spoke with told me that someone tried to make a transfer and it was denied, then someone went into my account and changed my phone number and email to theirs so they would get the alerts instead of me. Then they called and acted like me and supposedly gave my correct security question and had most of my money transferred to their account through an agent. The agent I spoke with changed my security question and said she removed this person information and put mine back on. When I went back onto my account a half hour after our phone call this persons phone number was still listed on my account to get text message updates. I have since removed that number but only after I saved everything so I could have proof. I called back the next day and spoke to another agent to follow up and he stated I didnt email the dispute like I was supposed to. The first agent never told me I was to email anything. I emailed a dispute and still waiting on my money back and a final decision.
Product: Consumer Loan

THESE ARE THE VALID CCP CODES FOR CALIFORNIA CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XXXX XXXX 2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX and XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?
Product: Debt collection

To whom it may concern, Wanted to let you know Bank of America department of regulatory complaints refused to release my original funds following reversal of a fraudulent employment check in my closed account. BOA kept about XXXX of my nonfraudulent personal funds. Have been following up on this with my local state police as well as the police department local to the XXXX in XXXX XXXX, CT where the funds from the fraudulent employment check were deposited. Emailed CFPB previously about this matter. My account number at BOA was XXXX. Their Regulatory Complaints can be reached at XXXX XXXX. You can reach me at XXXX or email XXXXXXXXXXXX. 
Thanks very much, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello This compliant is against my current loan servicer XXXX XXXX XXXX. I always make my mortgage payment on time but there has been times that my payment didn't go thru and XXXX XXXX  would ding me for non sufficient funds fee of {$30.00} when I called them to investigate what the issue is since I had more then enough fund in my checking account at the time. After they looked into it they told me that I had missed a digit in my account number so my payment didn't go thru. So my question to them is why didn't he online system just reject my payment right there and then so I could have gone back and entered the correct account number? there answer was even if I entered the wrong info I would still get a payment confirmation which didn't make any sense to me so I asked for a manager who was not available. After numerous calls I finally got a manager on the phone and he was just rude and arrogant told me that's how there system works. I asked why am I being charged with non sufficient funds fees he said that what happens when you enter the wrong account number. A simple human error I made and they are not willing to work with me or even waive the fees knowing it was a error and nothing to do with non sufficient funds. I don't know how many people are dealing with this type of issue but im sure im not the only one based on all the XXXX reviews I have read. The company has a 1 star rating due to there unethical ways of doing business.
Product: Credit card

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

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 a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.