23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX sent me a bill after I left their services for an unreturned equipment charge of approximately {$340.00} for equipment I have not used in years they sent me to help me get a signal in my home. Thus, I returned the equipment first to their retail store who refused to take it. Then I was told to send it to their equipment facility in Texas. I mailed the equipment in its original packaging and XXXX  accepted delivery. I have all of the receipts to prove it. Yes they continued yes to send me bills stating I owed them ~ {$340.00}. I contacted them several times on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each time I spoke with a supervisor stating the bill was XXXX and the charges would be removed. They refused to provide anything in writing however. I collected supervisor # XXXX and reference numbers from XXXX and provided them all of this information. They simply refuse to zero the bill and sent me to collections anyways. I refused to pay for a debt I dont owe and made numerous attempts to correct the situation. T-XXXX  doesnt care about their ex-customers and I will never use them again. They should be charged with fraudulent debt filings. I disputed this debt with XXXX but no one contacted me to discuss the issue. They sent me results without trying to resolve the issue at all.
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { Account XXXX XXXX XXXX }. The late payment is only showing on 2 CB reports which prompted me to investigate because I was never late. I wrote letters to the CC with no response. On XX/XX/XXXX I called and spoke with XXXX regarding the dispute who advised me although it was reported in error, he is unable to update the account as they only have the ability to make updates going one year back. 

This late payment has been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND ALL THREE OF MY CREDIT BUREAUS XXXX, EXPERIAN, AND XXXX HAVE BEEN SENT A COPY OF MY POLICE REPORT FOR THE IDENTITY THEFT NUMEROUS TIMES AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT ITEMS, THE LATENESSESS THAT WERE CAUSED BY THE FRAUDULENT ITEMS, THE FRAUDULENT INQUIRIES, ECT ... I HAVE SENT THEM THE POLICE REPORT, THE FCRA 605B STATING THEY MUST BE REMOVED WITHIN 4 BUSINESS DAYS, A COPY OF THE FTC REPORT OF THE ID THEFT, A COPY OF MY CREDIT BUREAU REPORT WITH THE ITEMS THAT ARE FRAUD CIRCLED, A COPY OF MY ID AND BILLS TO PROVE ADDRESS, AND THIS HAS GONE ON FOR THE PAST YEAR AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT ITEMS AS DIRECTED BY ME AS FRAUD, IT HAS DIRECTLY AFFECTED ME GETTING LOANS AND ECT. IF THEY ARE NOT REMOVED AND MY SCORES ARE NOT ADJUSTED PROMPTLY I WILL HAVE TO HIRE AN ATTORNEY AND TAKE ALL BUREAUS TO COURT.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I discovered multiple billing mistakes. The late payments do not correspond to my regular payment pattern.
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 proce was unfair and deceptive, as 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 sprite redness for these violations.
Product: Debt collection

I already paid my debt in full with XXXX and I got new bill are more of non itemized bill statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit act XXXX account # XXXX, and 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 without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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

On XX/XX/XXXX ; I attempted to get my online annual credit report from Equifax, and they denied my request. They ask 4 questions to prove my identity, but obviously there must be some false info on my credit file about my opening an account in XXXX ; which I did not. So now they will not let me see my credit report to check if the info is correct, I tried the phone number, but they said that I am not qualified to get a free credit report even though I have been recently denied credit. What a scam, they harbor false info about me me then they block me from being able to check, which prevents me from correcting it. They should be subject to huge fines for this!
Product: Credit card or prepaid card

I the consumer had an account with Discover financial services. While having Discover I was not satisfied with their services and rescinded ( 15 usc 1635 ) the contract with them. By law, after XXXX  days of issuing them a notice. I was suppose to receive refund via check. They discovered cleared the balance and then issued a refund to my credit card balance and told me that the account will be closed after I withdraw the funds. When I tried to use the card they locked it and I was unable to withdraw my funds. I called them several times asking about this issue and a rep name XXXX said they will send me the check to the mailing location listed on file. I never received the check, I have an available balance on my credit card that I can use but im locked out of it. Discover has been charging me interest and late fees since the account has been closed and its canceling out my refund. I spoke with XXXX from the executive office who was rude and incompetent, refused to handle this matter and ignored the federal laws when it was brought up. I have the conversation recorded
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX 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

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Credit card or prepaid card

Had direct deposit with NetSpend prepaid debit card by XXXX on XXXX first SSI benefits posted however the company gave me a hard time about retrieving my funds off that card for about six days I was given the runaround so I asked for the account to be closed at which time on XX/XX/XXXX they claimed they closed the account and returned my SSI deposit back to Department of Treasury today is XX/XX/XXXX and I still have yet to see my SSI deposit for XXXX I would like them to release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

This company pulled my credit report causing a hard inquiry which negatively impacted my credit reports
Product: Credit reporting or other personal consumer reports

Hello. I've sent in request to have old address and names taken off my report profile with XXXX, XXXX and Experian. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my XXXX report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.
Product: Credit reporting or other personal consumer reports

Im n accordance with the fair credit reporting act account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 u.s.c 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022 and XX/XX/2022 letters were gone out to Trans Union informing them of inaccurate information that was not reporting correctly on my credit report. Such as XXXX XXXX XXXX account # XXXX which is not mine and consumer fail to send me a written notice prior to placing this account on my credit report.Delete account 2. XXXX XXXX account # XXXX this account doesn't belong to me and I've never received any written notice prior to placing account on my credit report. Delete account 3. XXXXXXXX XXXX XXXX account # XXXX this account is reporting 30 days late on my account and I was never late because payment was drafted from bank account. Update to paid/never late 4. XXXX XXXX XXXX account XXXX this account is showing late and it was never late because payment was taken directly from bank account. update to paid/never late Trans Union never responded to any of my letters by conducting a proper investigation and due to no response ever I am requesting immediate actions to be taken against the accounts above by removing the account and updating other accounts as paid as agreed. Letters that was previously sent will be attached to this complaint. 

I am demanding that Trans Union comply with Metro 2 compliance reporting standards.
Product: Prepaid card

My check is directly deposited weekly on my card and for the last 2 weeks my account has been showing a XXXX balance even when i had funds on It already now tgey have suddenly disappeared on top of that my checks has been processed to it and im still not able ro access it. Everytime i call customer service i get hung up on or i get an automated system saying there at a high volume call and to try again later. I have bills that are now past due and charging me late fees due to this. I have my daughters birthday today that i cant even buy her a cake due to this matter this is unacceptable sad and frustrating..
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act this creditors have violated my rights. Under 15usc1681 section 602 states I have the right to privacy 15usc 1681 section604 section 2 states a consumer reporting agencies can not furnish an account with out my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account Under a open in consumer credit plan as late for any purpose.
Product: Debt collection

I invested money to XXXX XXXX XXXX  and XXXX  I was receiving e mails from Cedars Business services. That I owed money and they are a debt collector. XXXX is the name of representative from Cedars. She calls me almost everyday and I have received a lot of emails. I ignored them. I have been taking care of my credit score so good. My score from XXXX XXXX XXXXXXXX XXXX reached to excellent one time and it remains on very good most of the time. One time I was so surprised from XXXX it wet down to XXXX. I scrolled down why it happened and I saw this Cedars they reported me as derogatory record. She ruined my life. I am so devastated. Today my son asked me to apply as a co signor for his student loan. I wasnt approved because of what she did. When I talk to her I requested document that prove that I owed money from XXXX. She said they would send me within 7 days but I did not receive any. In our conversations she said my deposit didnt go through. I said if my deposit didnt go through they should just leave it alone. That means I wouldnt have an investment to them. I was innocent and didnt realize it was not deposited. Also why they have to fund it? Why they didnt email me that? Also I have the same amount with coinbase {$3000.00}. And my money there now is. {$3500.00} as of this date and time. It is XXXX. And my XXXX from {$500.00} is {$870.00} now. These was the same time I tried to deposit to XXXX too. I thought it was my money. When I learned that I contacted my bank to search my deposit to XXXX, m they didnt find any. But then It was not my fault. If they really funded me, which I didnt like to, the money should grow like in coinbase. I didnt borrow money from them. I was not aware and is this kind of scam? I asked XXXX how many innocent people happened like this am I into the only one she said, she said theres a few. And she also told me to pay it first and dispute. What kind of deal is that? I dont owe money and she wants me to pay? After the conversation and my request of documentation, she kept calling me non stop. She harassed me a lot. She ruin my life. I did hard to take care my credit score. And now I feel bad for my son. He was needing my help so bad.
Product: Checking or savings account

That person was SCAM me and I TRY to request to money back to my account but that person BLOCK AND CHANGE NUMBER
Product: Checking or savings account

On XX/XX/2018 we realized that someone had stolen checks from our business account and cashed three checks in three different locations. BB & T did not contact us that there was fraud against our account and we would have not known if we didn't check the account religiously. We immediately called BB & T. We were told by customer service that there was nothing that they could do and that we needed to shut the account down and open a new one. I immediately got off the phone with the bank and went to my local branch to close the account. The banker informed us that we could not close the account until the fraudulent transactions where credited back to our account. They were not helpful at all and did not care that we were frustrated that someone stole money from our account and we were not notified by our bank. They just kept saying that we needed to contact the fraud department and work it out. Well, 3 weeks have gone by and we are still missing one credit for the amount of {$270.00} authorized on XX/XX/18. Today on XX/XX/2018 I went back into my local branch in XXXX XXXX, South Carolina to see why our money has not been credited back yet. Keep in mind that the person that stole our checks signed his name and didn't even try to forge a authorized users name. I spoke with the banker who was very rude, rolled her eyes at me several times because of me expressing my frustration and proceed to tell me that there was nothing she could do that we needed to be patient. BB & T has a policy that after 10 business days they stop the investigation. Its been well over 10 days. The banker even asked the fraud department the same question and they said that it takes time and we needed to wait. No one can give us a straight answer as to why its taking so long for the refund. BB & T employees have admitted that this should have already been resolved as the check was clearly signed by a unauthorized user. I think that 3 weeks is plenty of time to figure this case out and should refund our money immediately. We feel that we are being mistreated as customers and just want this issue resolved so that we can close this account.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed my initial complaint on [ insert date ], outlining the details of the situation and providing all necessary documentation to support my claim. However, despite the passage of [ insert duration since filing initial complaint ], I have yet to receive any communication or acknowledgment from your end regarding the status or progress of my case. 

As a concerned consumer seeking resolution to this matter, I am disappointed by the lack of response and the apparent disregard for my rights as outlined by the CFPB. I believe that every consumer has the right to fair treatment and timely resolution of their complaints. 

Given the seriousness of the issues I have raised and the potential impact on my financial well-being, I urge you to prioritize the handling of my case and provide me with a prompt update on its status. I expect transparency and accountability throughout this process. 

Please confirm receipt of this follow-up communication and provide an estimated timeline for when I can expect a resolution to my complaint. Additionally, if there are any further details or documents required from my end to expedite the investigation, kindly inform me so that I may provide them promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accor dance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX