23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My name is XXXX XXXX XXXX and I believe I am a victim of a scam. The company of whom I dealt with is known as XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ). This company advertised on XXXX with the promise of student loan forgiveness to students who attended XXXX XXXX XXXX. When I called XXXX, I was told a completely different story. Instead of fulfilling their advertised promise of student loan forgiveness, they instead promised to lower my student loan rates and adjust my monthly payments to a lower fee. XXXX would NOT help me unless I first provided my personal information and financial information to them over the phone. I was told that I would make three monthly payments in the amounts of : {$190.00}, {$190.00}, and {$190.00} before XXXX would do anything else. XXXX also used high pressure sales tactics forcing me to electronically sign documentation giving them Power of Attorney. I later found out that the documentation in which XXXX provided pressured me to electronically sign, is full of spelling and grammatical errors. In addition, I did NOT receive a receipt of any kind after I made the three above mentoined payments. XXXX told me that my loans would be placed into forbearance for the remainder of the year until XXXX and also told me that I should cease all payments and communication to my loan servicer. I was told that I should send my montly payments to XXXX instead of sending the payments to my loan servicer. As a result of all of this, my telephone number has been given out to automated robo-calls where I recieve several phone calls per day Monday through Friday. I have been forced to call my mobile carrier to change my mobile telephone number due to the amount of robo-calls I have been recieving. In addition, I fear that my personal information has been sold and or traded to organizations without my consent. The credit card in question belongs to my wife and after I informed her of the situation, she called the credit card company to ask for a refund on all three charges I mentioned above. Additionally, she has been forced to close the credit card account and open a new one to prevent further fraudulent charges from occurring. XXXX operates a generic website and a XXXX page on the web. I have listed them below. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a call one day saying I owe XXXX for five phones I never received or ordered and they went to some address I dont even know because the account didnt start at my address it just ended up at my address because I gave the person on the other end of the phone my address to dispute it but I just figured I could dispute it with the credit bureaus because it is not my account and it didnt start from my address somebody stole my information and used it to open this account. Please could somebody help me with this situation because it is not my account Diversified consultants date updated XX/XX/2019 Amount owed XXXX Original creditor XXXX XXXX That doesnt even sound like a real XXXX  store
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Card P. O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct # Ending in XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # ending in XXXX, which you Claim was charged off. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last XXXX of SSN # XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my credit score. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. 

Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX  Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. 

I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your name and contact information ]
Product: Credit card or prepaid card

In XX/XX/2019, before or around the XXXX, I saw a promotion test US Bank was advertising on XXXX website. To get their card you will enjoy XXXX dollars statement credit, if charge XXXX purchase in 45 days and XXXX cent additional off XXXX fuel. I applied because o this and hit the card. I made the purchase but was not given the offer. After 30 days, going onto or right after 60 days, of not being on bill, I contacted them. They say they had no such offer, and said they will send over to that department. I receive letter saying they dont show offer on my account, only XXXX cent promotion. They said I needed to provide proof of offer. I had snapshot it in my phone so I wouldnt forget what the offer was, so I printed it off and send it to them. And I still receive another refusal letter saying I didnt apply from the website, which was XXXX, that the offer was on. I called and told them I did because I was grocery shopping when I saw it. 

This is false advertisement and enticement. Please help I charge this card up to XXXX dollars on me getting a statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to equifax XXXX and XXXX  because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit card or prepaid card

I was contacted by a fake DEA agent who told that my ID was stolen and I was being prosecuted for drug trafficking and money laundering and the only way to protect my money was by removing it from the credit card and purchasing XXXX gift cards so I could receive a money voucher after they have frozen my funds and changed my social security number. They made me stay on the phone the whole 4 hours because they told me if I hung up the court recordings would be irrelevant and I would be prosecuted. I lost XXXX $ by purchasing 24 cards for XXXX $ a piece. I called the DEA number after I got off the phone and was informed it was a scam. Quickly I cancelled my credit card but the gift cards were already used. I have filed reports with the DEA and the FBI along with XXXX and the local XXXX police department. My bank says once the payments go thru they will not dispute the charges. I need help!
Product: Credit card

I just received my Citi credit card in the mail today XX/XX/year>. After activating the card and trying to add it to my mobile wallet, my card was flagged. Im now being told my purchases will be limited and I cant add my card to my wallet until I receive a letter in the mail. 

I can answer all security questions correctly, receive a text message, etc. But Citi provides no explanation to why they flagged my card and dont provide any method of verification other than a slow letter in the mail. 

This is very poor design of fraud prevention. There isnt anything suspicious about trying to activate a card and add it to your wallet when you receive it in the mail. 

Citi needs to have a more modern fraud prevention system that doesnt prevent new customers from using their cards for many days. This is a very poor experience
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE ITEMS THAT WERE DELETED BUT I WASN'T NOTIFIED OF ANY INVESTIGATION TAKING PLACE NOR METHOD OF THEIR VERIFATION. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Debt collection

At least once a day for the last few weeks, NCB management calls my workplace and continues to do so after both me and my boss have asked and then told them to stop.
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 Est 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: Student loan

Just now, on XX/XX/2023, I am in receipt of a taunting, harassing, and wicked message from EdFinancial in the XXXX complaint portal. EdFinancial appears to be celebrating that my {$70.00} payment was applied to the wrong group, a group I never specified as payment. I was very specific, in my selection of online functions, that my payment be applied to my loan group with the highest interest rate, as it relates to the {$70.00} payment and any hypothetical future payments where I may or may not specify my highest interest loan group for payments.

EdFinancial must stop any and all interest from my loans until they resolve this problem by reducing my loan balance in the desired group for payment of the {$70.00}, especially as since this is a problem of their own creation, and since they refuse to behave themselves when communicating with me.
Product: Credit card

I recently opened an American Express credit card account. I was performing as agreed. One day I go to my app and it said " account cancelled ''. I called to ask why, and they said it was withing their rights and did not have to tell me anything else. 
America Express has done this twice before to me. 
I am a felon, who completed his sentence about a year ago. The only thing I can think of is that is the reasons they closed my account. But I just don't know. 
I need to find out why they closed my account and see if it is something that can be addressed.
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 15 USC 1681. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
XXXX 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 FCRA 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 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: Checking or savings account

On XXXX XXXX XXXX I sent {$200.00} through XXXX XXXX to XXXX  XXXX for a XXXX minute consult. I was only given a XXXX minute consult but I kept in contact with CPA XXXX XXXX XXXX. I later paid {$330.00} on XXXX XXXX XXXX to get her to expedite acquiring an employer identification number ( XXXX ) since that was discussed on the XXXX minute consult. Later on I found out through XXXX XXXX XXXX Announcement that she is NOT a Certified Public Accountant or an Enrolled Agent for the IRS I have attached documentation that shows her name is not on the irs.treasury.gov site for either Texas where she resides and Mississippi where she was born. This is why services were never rendered. After this new found information I asked for a refund on XX/XX/year> and was never given it. She was recommended by people on XXXX and sounded like she knew what she was talking about but she is fraudulently claiming to be something she is not & scammed me. 

I have no idea why XXXX XXXXXXXX profile picture is a man when she is a woman I believe it is because her business cash app for XXXX XXXX XXXX was removed. 

Additionally, I communicated this to Capital One and they denied my claim twice the second time being XX/XX/scrub>XXXX even after I sent documentation of the communication & information I found.This is a violation of Electronic Funds Transfer Act, Section 909 ( a ) / [ 15 U.S. Code 1693g. - Unauthorized electronic fund transfers ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage and two red flags came up even after I submitted a dispute. 

First was a wrong social security number : They had the last XXXX numbers as XXXX and the correct number is XXXX. The report I picked up from Experian still had the last number as XXXX. The mortgage company filed a form to get the correct information via the XXXX. 

The second involved my birthdate : I was born on XX/XX/1954, and the loan company was told that my birthday was XX/XX/1954 ( or something like that ) ; I don't know how it could have changed. 

When I contacted Experian, they told me that a credit company had reported a different date. When I asked, they could not tell me who had reported the wrong information. 

This seems to be a serious problem if they take in a change, including the name. Once a file is made on a person, the only change should be a name, as with a marriage, divorce, or other court order. Why shouldn't the credit reporting agencies notify the creditor in these matters?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, Equifax, XXXX reports. I have not access my credit file since XX/XX/XXXX or XX/XX/XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

Chase Bank XX/XX/year> - XXXX unauthorised transaction on my chase debit card account of XXXX ) {$190.00} XXXX ) {$190.00} XX/XX/year> - Called chase bank, filed a claim XX/XX/year> - Denied the claim without giving any evidence. Called customer support and they failed to provide any assistance. Were absolutely clueless. 

Current status- claim denied XXXX XXXX XXXX XX/XX/year> - XXXX unauthorised transaction on my XXXX XXXX XXXXXXXX XXXX XXXX account of XXXX ) {$190.00} XXXX ) {$72.00} XXXX ) {$140.00} XX/XX/year> - transaction involving {$140.00} was cancelled Current status - investigating claim