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

I have a negative balance on this card of over {$5000.00} beginning XX/XX/XXXX. On XX/XX/22 I called to get the balance refunded, on XX/XX/22 I called again as i had not received it yet, on XX/XX/22 I called yet again, and still have NOT received my {$5000.00} negative credit balance. I have phone records to show my phone calls and the statements. I tried to put it in writing but the app told me on the chat/message that it was something I had to call in person for. There wasn't even a fax # where I could fax the request. Highly unethical as that would be obvious and quick proof to show the request was made... several times. 
I was told the first time I called I would receive an email link so I could get it back quickly. XXXX Calls and I haven't received anything! Looking into it they have blatantly violated my rights. My understanding is I am supposed to have that credit back within 7 days of my request. Well it's been over a month an I don't have anything. 

I'd also like to add that each time I waited on the line to take a customer service survey they asked me to before the call but each time, I never got the survey. 

I can provide any documents ( phone records ) upon request.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$XXXX}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final XXXX  attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you XXXX be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature XXXX result in a small claims action against your company. I would be seeking a minimum of {$XXXX} 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN XXXX 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: Debt collection

On XX/XX/year>XXXX  XXXX from Structured Settlement contacted me about a debt that I have with XXXX XXXX, that I have continuously paid on time with Structured Settlement. XXXX, left a vm which I will attach below giving out erroneous information about my account. She stated in the message and on the phone when we spoke that my payments were rejected in XXXX and I needed to pay three payments to catch up or the next step would be taken. I was confused because there was no rejection. She continued to say it was after that I told her I needed to talk to someone else then she transferred me to a lady named XXXX. I was asking for the same information. I told her I needed explanation. The same card would be used and I needed to know where this rejection came from. At one point XXXX yelled at me and said do you hear yourself you said XX/XX/XXXX. I don't even know what that means. I explained to her that I was a disabled veteran and I'm just trying to understand. She hung the phone up in my face. I called again and spoke with a male who told me that there was no rejection and he doesn't know where they got that info from.
Product: Payday loan, title loan, or personal loan

My car was repossessed after XXXX  days of late payment because of job losses. On XX/XX/2022, which is the same day it was picked up so I called Well Fargo and paid the balance and the other charges that apply on the XXXX XXXX XX/XX/2022 now they say I have to make an appointment to get the car from the storage. They told me had to go online to make the appointment, I did that too. They tell me at XXXX am on the XXXX XXXX XXXXXXXX that I can come at it. now they change the time saying from XXXX am to XXXX now they tell them they have to process the car. so I'm asking them to pay me for the time they hold it. It does not take two or three days to get a car out of storage. I would like to file a sue. I paid XXXX dollars and still don't have my car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

This is the 3rd attempt now to have this resolved. XXXX XXXX said I owe {$2000.00} but couldn't prove the account is mine or even that I opened it. They claim it was opened online so no signature, proof of contract, no copy of identification and any way to prove it was mine just a former address. Now they are passing me off to a lawyer office for payment on an account I do not owe on. They have to prove they are reporting 100 % accuracy which they can't.
Product: Credit reporting

I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached as a part of the Equifax hack. Equifax did not get in touch with me to let me know that my information had become public, and when I went to their website to determine if I had been a victim it simply said " ... we believe that your personal information may have been impacted ... '' It did not explicitly state that my information had been made public, nor did it provide me with instructions for how to protect myself. 

I have set up a fraud alert and will be monitoring all of my credit cards to make sure that my identity is not stolen. If I become a victim of identity theft I will set up a credit security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX  late payments on an account that I was never late for and 5 months of charge off reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS XXXX XXXX XXXXI acct # XXXX {$300.00} XXXX XXXX acct # XXXX {$920.00} XXXX XXXXXXXX acct # XXXX {$300.00} XXXX acct # XXXX and XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XXXX, I was offered a full student loan discharge due to my XXXX XXXX, XXXX U.S. Military Veteran Status. All of my student loans were discharged or forgiven ; XXXX and XXXX  are accurately reporting this data, but Transunion still shows these accounts as active. 

Today, XXXX, I attempted to file a dispute online with Transunion, however, the dispute feature is not available and there is no method of contact reported on Transunion 's website.
Product: Student loan

Mohela informed me that my payments were going from XXXX to XXXX a month I can not afford that.
Product: Credit card or prepaid card

Dispute the CARGES ON MY STATEMENT DATE XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX {$210.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$240.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$210.00} These charges were originally on my card ending with XXXX. That Card was canceled and a new card was issued. These were disputed as fraudulent charges and I received credit on my statement dated XXXX. 
I was surprised to see these charges put back on my statement DATE XXXX I did not receive any notification on this. 
I called the customer service on the week of XX/XX/XXXX. They said there was a mistake and she would fix a code in the system. This did not happen. 
I called the customer service on the week of XX/XX/XXXX. His name was XXXX XXXX said the charges would be revised in a day. This did not happen. 

I called the customer service on XX/XX/XXXX There name was XXXX there ID is XXXX She said these charges would be revised in 48 hours. This did not happen. 
This is sad I do not get an honest answer from your customer service employees
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1300.00}, XXXX XXXXXXXX Balance : {$7000.00XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX XXXX Balance : {$84.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX, XXXX XX/XX/
Product: Credit card or prepaid card

We signed into XXXX XXXX XXXX, on XX/XX/XXXX.. We paid the {$1.00} ea. Then on XX/XX/XXXX, we were billed {$29.00} each. The frustration comes in when not one phone number allows you a live person to get a refund or cancel.And online you cant do anything automation wise without a membership number.I tried many hours daily, up to XX/XX/XXXX. to figure this out. I finally went to my bank and had my debit cards canceled and then re- issued. Which takes a few days and gets you out of the date range for a refund.I believe this is poor customer service.
Product: Credit reporting or other personal consumer reports

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

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

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

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

On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required XXXX. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that XXXX XXXX had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score 100 points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
Product: Debt collection

XXXX XXXX, CEO of Apple Law Group, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel XXXX together with his employees has advised me several years back that upon payment to his company as a debt consolidation, my creditors will be paid back and settled. The program included direct withdrawals from my bank every month and on XX/XX/XXXX the program was paid in full to his company. To-date, my creditors were not paid by Apple Law Group Inc. I called XXXX 's office numerous times. His representatives have disconnected their phone numbers provided earlier at sign up. I was once told by phone that after XX/XX/XXXX it takes six months to settle and pay the creditors. It is XX/XX/XXXX and nobody at Apple Law Group Inc has paid my creditors or responded to me in writing or by email or verbally of the contractual obligation agreed and notarized in New York. This is a theft of money and non-performance of his company 's operation as agreed in writing. I demand an immediate settlement to my creditors by Apple Law Group Inc plus refund of all interest money collected by Apple Law Group Inc. The operation of Apple Law Group Inc is a scam and totally unreliable.
Product: Money transfer, virtual currency, or money service

XXXXam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violiations.
Product: Credit reporting or other personal consumer reports

. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. 
I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/scrub>/2024, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

On XX/XX/XXXX, this account was reported to the credit agencies and added to my credit report as a collections account by Account Control Technology for a debt, in the amount of XXXX. On XX/XX/XXXX, I spoke with representative, XXXX of Account Control Technology. I advised XXXX that this debt was reported to the credit agencies in error and was discharged in bankruptcy in XX/XX/XXXX. There was no agreement from Account Control Technology to remove the inaccurate information from my credit report.
Product: Vehicle loan or lease

To date I have tried to reach out to the company via telephone to no avail. My messages have gone unreturned?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. And debt cards. XXXX XXXX two cards. XXXX XXXX. XXXX XXXX XXXX and bank of America card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to XXXX credit b4 now in lower XXXX range. I'm not going to pay a XXXX  to these credit cards. That I did not run the credit up on. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to provide online access to upload documents to prove identity theft, refuses to assist customers to complete uploads of documents, provides no fax alternative, refuses to take the information offered, provides a frustrating complicated and incomprehensible process to follow to correct the misinformation, preventing the consumer from offering necessary documentation to correct the errors and fraud. The websites do not function properly, commonly used browsers are not supported and Transunion offers no help or assistance to the consumer.
Product: Checking or savings account

I deposited a check on XX/XX/year> through USAA 's mobile banking app and USAA put a hold on 50 % of the funds until XX/XX/year>. That's a week long hold. When I called USAA to ask them to release the hold, they said " the system '' wouldn't allow it and no one within the USAA banking system has the authority to release the hold. I asked them why they had put my funds on hold, and they said " the system '' has identified some irregularities. When I asked what the irregularities were, the customer service rep could not name what irregularities " the system '' had identified within my checking account, but rather read a script that gave a generic definition of irregularities. In other words, I asked specifically what triggered this hold and the representative gave me a word salad in response. I asked to speak to a supervisor and the supervisor pretty much did the same. The two people that I spoke to at USAA could not identify what transaction ( s ) triggered the one week long funds hold, but had supreme confidence that " the system '' was correct. They also both repeated several times that no one at USAA had any authority to override the system. I have lived through two major hurricanes over the last month. I lived through two long Florida states of emergency. I went a week without power. All the gas stations within a 10 mile radius of my residence ran out of gas for about a week. The unidentified " irregularities '' that USAA 's " system '' has flagged in my checking account are no doubt related to the extraordinary natural disasters that we just went through. I have been a USAA banking customer for 30 years and I can not remember any of my deposits ever being put on hold for a week. All of the sudden, USAA 's " system '' has identified a problem with my checking account. USAA 's " system '' and lack of customer support has had a negative knock on effect upon me. I have been forced to delay paying my creditors and it's damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing a hard inquiry on my credit report that I do not recognize at all. I have no account or have not even heard about Cbcinnovis. This inquiry could stay on your report until XX/XX/2021. I believe it is an error and should be removed from my credit report. I also believe Cbcinnovis should delete any personal and confidential information they have about me on file. 

Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXXXXXX which involved me making deposits for a total amount of XXXX USDT from my Crypto.com account to fraudulent investment firm ( s ).