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

Starting in XXXX of XXXX I was getting fraudulent XXXX charges on my ciitcard account. I didn't notice until about XXXX. I called XXXX, the account was NOT my account that the items were being sent from but somehow, XXXX had a different account with my name, address, and citi card number on it. I never got any items but go charges. XXXX could not shut down the account because I was not the primary account holder and didn't know who it was and they wouldn't tell me. They said I had to go through citi card. I called promptly online put a freeze on my account and called citi and reported the fraud and cancelled the card. However, before I fully realized what was going on, there was one charge for approximately XXXX that I " disputed '' on the app because I had no idea what it was for. Citicard issued me a new card, BEFORE the card even got to my house and was activated, there were NEW XXXX charges again from the fraudulent account. Somehow a locked account was charged. I promptly called Citi Card, cancelled my entire account! Still though additional charges came from the XXXX account. I have spent hours on the phone with citic card trying to get the charges reversed. I was assured by the agents that interest and late fees would be refunded as well. 
Most of the charges now have been reversed from the XXXX charges. I finally filed a XXXX complaint about the rest. On XX/XX/XXXX I spoke with XXXX at the executive response unit department. She admitted on a recorded line that the XXXX was a fraud charge but because I had clicked a dispute on line, they couldn't refund it. She didn't know how to make the computer refund me my money. She also couldn't give me a supervisor name and claimed she reported to the Citi XXXX XXXX XXXX but she said her name was XXXX XXXX! She also did say XXXX late fee and interest was removed but that is not reflected currently on my account. The interest of XX/XX/XXXX from XXXX and XXXX from XXXX all need to be removed. Due to their lateness in removing late fees and interest it did compound and make it impossible to tell what was a new charge that was legitimate versus older ones as they refunded and re charged me them many times over. I want my XXXX, XXXX, and XXXX removed and no further accumulation of interest. I can no longer get into my on line account and haven't gotten statements in three months as I no longer have a card number to log in with! They claim I still owe after that XXXX with no proof of what charge it is for.
Product: Debt collection

REPOSSESSION DEFICIENCY DISPUTE This account WELLS FARGO DEALER SVC acct # XXXX has violated my rights. 
Under the laws of the state of TEXAS UCC 9.506 and State XXXX and XXXX statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonableXXXX  manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES.
Product: Debt collection

I already have a complaint with CFPB under XXXX # XXXX. If you google the company XXXX there are reports of scams matching this company and they have provided no source of the company they claim that they are collecting for, if you look them up in the better business bureau there are over XXXX complaints of this being a fradulent company. Now they are reporting on my credit under another name demanding that I pay something that is not even mine. Now they are going under this information for the same information saying that I owe a payday loan from XX/XX/XXXX 

XXXX # : XXXX Current Creditor : XXXX - XXXX Original Creditor : XXXX Account # : XXXX Account Balance : {$760.00} XXXX XXXX XXXX, XXXX. 
XXXX XXXX, MO XXXX Toll-Free # : XXXX Fax # : XXXX Website : XXXX My information is being passed along repeatedly to DIFFERENT companies buying my old information and saying that I owe a debt that I never took out, it is getting ridiculous that now it is on my credit report displaying the name XXXX XXXX and also that the debt was opened on XX/XX/XXXX. I am totally being scammed, I want this off of my XXXX, XXXX, and XXXX report IMMEDIATELY because I am being scammed, none of these companies can provide debt validation so I can investigate this properly to the authorities. No company would decide to go on trying to collect a debt that is supposed to be from XX/XX/XXXX and it is almost XX/XX/XXXX. That is how I know this is FAKE! If I took out a loan that should be able to provide documents, electronic signatures if it was done on line and also provide the XXXX address of the computer it came from, they put it on my credit report before even notifying me, total scammers. Please rectify this issue IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

problem : all of the above.
failure to remove XXXX ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints.
allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ).
showing outdated debts ( 10 years back ) and refusing to remove them.
failure to respond to legal notices sent certified mail to all 3 bureaus.
refusing certified mail.
failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law.
posting information from unknown sources and not from XXXX XXXX courthouse about illegal eviction when XXXX remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ).
refusal to sync accounts with other bureaus data as per deletions.
refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
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 violates 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 caused significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX is still appearing on my credit file as a charged off account with XXXX $ written off amount this account was sol to Jefferson capital and I paid this account off the have not validated the debt and I would like the account removed from all three reports immediately my next step is legal action this account has been paid in full over a year ago
Product: Debt collection

The credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent .I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off immediately
Product: Credit card or prepaid card

I have a standard credits card with CapitalONE bank, with a credit limit of {$500.00}. 
I am an XXXX XXXX I wanted to use the card to make payments, planning to payoff the full statement amount every month. 
I do not intent to have a credit in time, I am living with XXXX debt and I will keep doing so. 
I requested this new card because I had a credit score of XXXX, and I am aiming to reach XXXX. 
The system told me it was needed to increase the credit account numbers I have. So I requested the CapitalONE credit card. 
I received it a couple of months ago. 
During the request process, I had to upload to them the requested documents at least XXXX or XXXX times. They were keeping asking me to repeat the upload. Finally they released the credit card. 
One day, while paying at a gas station, they blocked it. And I had to upload again and again the same documents they already asked me few weeks before. Eventually they unlocked it. 
Then a few weeks ago they charged me the full statement about twice. So the debited my bank account for twice the full statement amount, going into a negative credit card balance ( balance of about minus XXXX XXXX and XXXX dollars. 
Buy right after, they blocked the card again, requesting again and again to upload the same documents as before. 
I uploaded as usual, as a proof of address, a recent bank statement, plus my XXXX XXXX XXXX mobile invoice, the bill of my vehicle insurance, the invoice of my medical plan, and more. My Company pays me the residence and all utility bills, so I can not produce landline or electricity bills. But I gave them a signed and stamped letter from my Company ( in a letterhead paper ), explaining the situation, and confirming my residence address. 
Anyway, all the uploaded documents have previously been evaluated positively, because with those they initially released the card ; and with the same documents they unlocked it the first time they locked it. 
Buy now it is several weeks the card is still blocked, I also have s credit ( my balance is XXXX ), I uploaded again and again all the required documents, but still they keep my account blocked and they keep my credit. 
No explanation given. 
Please note they accurately never write anything, but they call, so to do not leave any trace of what they are doing. For example, there is no trace of my 10+ uploads of the same documents, over and over. 
Of course I deeply regret I started to engage with XXXX, XXXX requesting their card obviously made my score to decrease for their hard check. I do not want to start again with some other bank, so I have to stick with them. 

Please assist me on unlocking my account. Please advise if I have to take any further action, and which one. Thank you in advance for the assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no affiliation with the creditors in question.
Product: Credit card or prepaid card

There has been ongoing issues and red flags when I go to the XXXX  XXXX  store. They don't update my correct phone number/information. Yesterday, they were trying to look up my purchases so I could make a return. Well, what popped up on their computer is all these purchases by other people including a XXXX XXXX XXXX. I will attach the evidence so you see some examples of the purchases ( valid one and invalid ones ) ; people are using my credit for many companies, what is going on?
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 : XXXXXX/XX/XXXX: XXXX, XXXX XXXX XXXX : XXXX, XX/XX/XXXXXXXX has violated my rights. 

And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a bike online using Paypal as my payment processor. The company I ordered from has been using Paypal for fraudulent transactions. They promise merchandise which they don't have or can't fulfill at the prices offered. Paypal sends them the payments and allows them to continue to do business even though there are numerous complaints. When you question the status of your order the company sends you a fraudulent tracking number for a different person at a different address. Upon reporting this to Paypal they deny your claim stating that they have received the delivery tracking information from the company. I have filed a complaint with the Alabama attorney general for the company which posted the bike. On researching the company I have found hundreds of complaints with the same scenario all processed through Paypal. Some have been successful in having their money returned, but many of us have not. I have opened an appeal of my denial with them but am still waiting to hear from them. Their business model is to protect people from this type of fraudulent transaction but they apparently are not following through. Please investigate as to why they are allowing a company to continue to process orders and payments when they are aware of the numerous fraudulent transactions. Thank you. 
Companies involved : Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AL XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Debt collection

XXXX XXXX XXXX reported a medical collections account in the amount of {$1500.00} to Equifax without notifying me of the debt and giving me an opportunity to dispute or validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Student loan

After a Leave of Absence ( LoA ) for one semester I am in the process of being re-enrolled for the Summer and am already enrolled for the Fall semester. For some reason XXXX, my loan service through MEFA, is trying to get me to start paying my student loans starting this summer. This is despite the fact that I still have about two more years of school left to complete. I have contacted XXXX and attempted to correct this numerous times but no progress has been made. I had my registrar at my college fax in my enrollment history including next Fall, but I received a letter ( from MEFA ) saying that my loan deferment was declined, supposedly because the documents they received were " illegible ''. XXXX has said that I need to be in classes again by XXXX in order for my loan payments to be deferred until after I graduate again. This is ridiculous because the Fall semester at my school starts a week or so after XXXX 's deadline. I am now waiting to get approved for summer enrollment which they say will enable me to defer payments, however XXXX has refused to give me any slack while I'm awaiting the approval and if the approval from my school comes too late I have to start repayments and I am totally XXXX.
Product: Credit reporting or other personal consumer reports

Experian, Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report that was provided by your agency. I have reviewed my credit report and found the following information that I believe is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. 
For your reference, I have attached the following documents to support my dispute : I understand that the FCRA mandates that credit reporting agencies complete investigations within 30 days and provide me with the results of their findings. Please inform me of the resolution at your earliest convenience. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX Account # 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 furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION COLLECTIONS : 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 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 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 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