23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank XXXX XXXX XXXX XXXX contacted me from ( XXXX ) XXXX the following number of times in regards to a past due bill : XX/XX/XXXX - 3 times as of XXXX XXXX  XX/XX/XXXX - 3 times as of XXXX XXXX XX/XX/XXXX - 3 times as of XXXX XXXX  XX/XX/XXXX - 4 times as of XXXX XX/XX/XXXX - 4 times as of XXXX XX/XX/XXXX - 3 times as of XXXX XX/XX/XXXX - 3 times as of XXXX XX/XX/XXXX - 1 time at XXXX XX/XX/XXXX - 3 times as of XXXX XXXX  It's my understanding that this may constitute harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

XXXX Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong
Product: Money transfer, virtual currency, or money service

I sold a XXXX XXXX watch on XXXX ( item # XXXX ) on XX/XX/2019. I received payment in the amount of {$7100.00} from XXXX XXXX ( XXXX user XXXX ) on XX/XX/2019 via PayPal ( transaction ID XXXX ). 
Subsequently, on XX/XX/2019, Mr. XXXX contacted his financial institution to reverse the charges, indicating the " item was not as described. '' A dispute was opened up on PayPal ( Case ID : XXXX ). I provided XXXX tracking information ( tracking # XXXX ) to indicate the item was received. No complain or correspondence was received from Mr. XXXX. Mr. XXXX did not initiate the dispute on XXXX, nor PayPal. Mr. XXXX essentially bypassed the controls set in place for dispute resolution. 
Mr. XXXX 's financial institution reversed the charges, without requiring Mr. XXXX to return the merchandise. PayPal subsequently billed me for {$7100.00} charged by Mr. XXXX financial institution, without receiving the merchandise in return and has indicated there is nothing they can do to get it back.
Product: Credit reporting

XXXX has misreported my credit payments. The payments were received and cashed on a timely basis, but XXXX misapplied payments. I have submitted to Equifax copies of my cancelled checks which they have ignored.
Product: Debt collection

They are calling all my family and harassing them. Telling them they are law enforcement and that they need to tell me Im going to be arrested if I dont contact them. They are posing as law enforcement and that is against the law. They keep calling and texting all my family everyday and they are tired of it.
Product: Debt collection

The company XXXX XXXX XXXX XXXX is reporting me for a debt of {$2900.00} that I owe them. I have never bought anything with them. someone is doing it with my information, so I request that an investigation process be opened. The company has not taken basic measures to prevent this fraud. such as photo identification and verification.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently ordered and reviewed my Credit Report from TransUnion. During that review, I discovered a serious mortgage loan reporting error on their report from XXXX XXXX, as well as many other errors. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

On XXXX/XXXX/16 I mailed a complaint to TransUnion, certified mail. It was confirmed received by TransUnion on XXXX/XXXX/16. My complaint laid out my concerns, had attached all relevant supporting documentation, and asked them to investigate. 

It 's now been 4 weeks. I have no acknowledgement from TransUnion that my mailed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Please investigate these matters and correct the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted the required information to the three major credit bureaus to have my information that was a result of identity theft to be removed and or blocked within the four days required by FCRA 605B and they have not done so. Equifax XXXX and XXXX have failed to remove the fraudulent accounts and inquires as required by the statue.
Product: Credit reporting or other personal consumer reports

I never applied for a XXXX XXXX XXXX credit card and never gave nobody premission to do so. I would like this removed from my transunion credit report. 



This credit card show be removed and block.
Product: Money transfer, virtual currency, or money service

I was contacted by a friend on XXXX who asked me to invest in her company. I was reluctant but thought why not help an old high school friend. She asked me to invest three-hundred dollars into her company and that she could give me a return on my investment in the amount of XXXX XXXX XXXX XXXX dollars. I asked XXXX XXXX, XXXX XXXX, and XXXX XXXX who called me from a XXXX  phone number ( XXXX ) XXXX a few questions, and I was assured that it was not a XXXX scheme. Well, I sent the money through Paypal, and the next thing I know I had some other person named XXXX XXXX  who received the funds instead of my friend XXXX XXXX. I contacted XXXX XXXX, and she claimed that her account had been hacked and that it was not her in a video from the company she represents advertising for them. I showed her the video that she sent to me asking me to invest in her company. She again said that her XXXX account had been hacked. She never apologized or returned the funds to me. I contacted Paypal and opened a dispute, and reported by bank card stolen. I am asking if you could please look into this issue of fraud? I would also like XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX brought up on charges of fraud. I don't want XXXX XXXX or her associates scamming anyone else out of their money. They are using Paypal and the XXXX to scam friends and associates into investing in a company that does not exist.
Product: Debt collection

I have been repeatedly contacted on my home phone and cell phone for over two years now by Portfolio Recovery. I do not owe any monies nor do I have any debts. I do not publish my cell phone or use it for anything, only my home phone number. 

I have sent a certified letter asking for proof of a debt and to stop contacting me unless it is in writing. I have not received any communication in writing but the calls still keep coming. The calls are all robodialed with no message left. 

I have blocked calls from them on my cell phone and have had to purchase a message machine that blocks all calls on my home phone unless I allow them to come through.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my 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

I am writing to express my deep concern and frustration regarding the recent attempt to remove fraudulent items from my account. Despite my previous correspondence and efforts to rectify this issue, I am disappointed to find that the problem persists. 

The repeated failure to adequately address this issue not only undermines my confidence in your company 's security measures but also places my financial well-being at risk. It is unacceptable that despite my diligence in reporting these fraudulent activities, they continue to appear on my account statement. 

I demand that immediate action be taken to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparency regarding the steps being taken to prevent such occurrences in the future. 

Furthermore, I urge you to provide compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the subsequent ineffective resolution attempts. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent a listing for a beach house rental For the week of XXXX by someone name XXXX XXXX XXXX XXXX XXXX XXXX I was told that if I booked the rental through XXXX that I would have to pay extra fees but if I paid via XXXX, that I would not have to pay any transaction fees. I had access to XXXX through my TD bank account app so I was under the assumption that my transaction would be protected by my banking company. I submitted two payments, one was a down payment for {$1000.00} on XX/XX/XXXX, and the next was a final payment after I received the lock box number, property address, full contract/rental agreement and an invoice ; this payment was for {$450.00} on XX/XX/XXXX. I showed up to the property on XX/XX/XXXX and it had already been rented out. I immediately called TD bank who transferred me to the XXXX department to file a fraud alert as the transaction that I had submitted to XXXX XXXX, actually went through to a XXXX XXXX. Unfortunately XXXX said I was not protected by TD bank fraud, and XXXX is not responsible for fraudulent payments or scams. They said I will need to file a police complaint instead.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was out of a job for for about XXXX. Instead of asking my family for money I renew my loan back in XXXX. I'm still actively looking for a job One main financial in XXXX, MO calls me XXXX times a day and tells me they are gon na take action towards me. I have them included in a debt consolidation program and they still harass me for payment. I want the calls to stop.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT FILED FOR THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I DO NOT HAVE AN ACCOUNT OR CONTRACT WITH THIS COMPANY.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information. I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Product: Credit card or prepaid card

Have a card with chase bank with a credit limit of XXXX dollars. They were supposed to shut down the card when it hit XXXX it is now XXXX dollars. They are charging me interest on the XXXX dollars is there anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting XXXX to refund the full balance of my account. 

Under the Family Educational and Privacy act my financial information should not be shared with anyone. 

I am now opting out of any consent you may think you have.
Product: Student loan

I havent be able to pay it in 15+ years I asked to get them both of them dismissed and I dont know how to do all this they said to keep doing a. Forbidden and I cant remember to do this all the time forever it just adds more stress in my life with all this other stuff I have to deal with like my wife who was trying to XXXX  me report number XXXX and XXXX me and give me XXXX XXXX XXXX XXXX shouldnt you want to give up after all that. I didnt I got very sick and in the hospital and to get out 2 hour late I got tee boned and brought back to the hospital life sucks
Product: Credit card or prepaid card

I have a savings account with CITI bank ( XXXX, Florida ) among other accounts with the same bank. 
While longing in my online banking I was offered a promotion saying if I keep certain amount of money in my savings account for 3 months I get {$50.00}. I did it. Never received the reward. I contacted the bank, they told me if I didnt have the " promotion code, they were not able to locate the promotion. They told me not to worry, that they will use a new code, and to wait another three months to get the reward ( in other words, to do all over again ). I did it. No reward. I contacted the bank. Same response. Asked to check on their records, they should have my first complaint. No response. They asked me to do it all over again. Did it. No reward. 
My complaint is the Citibank is misleading and false advertising to incentivize me to keep certain amount of money ( XXXX ) on my savings account, so they can used as their want, but never give the reward. 
I would like to get {$15000.00} as I have had that amount of money for more than a year. If that is not the case, I just would like to let you know what they are doing. 
Thank you very much. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX Cell XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

blockchain.com locked my account and doesn't let me use my cryptocurrencies, doesn't have the option to send algorand to private account, so I don't use my coins
Product: Payday loan, title loan, or personal loan

First of all how is it legal for a company to charge % XXXX interest? I realize how stupid now I was but desperation to keep a roof over ones head leads to stupidity. Now they just take money out of my checking account anytime they want. I have been in the hospital several times recently. Not making an income currently and now have hundreds of dollars in overdraft fees due to advance financial.
Product: Money transfer, virtual currency, or money service

( 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I called them to remove all inaccurate report on my report they said the was and did not
Product: Student loan

Went to XXXX  and could not find information to loans and could not repay. Thought I had till XXXX but they are garnishing my checks
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX. I have repeatedly sent dispute letters regarding inaccurate information on my credit report. However, instead of addressing my concerns, XXXX has responded with stall letters.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} ( Paid ) Credit limit : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an inaccurate alleged collection # XXXX my credit file and it is causing me harm financially, emotionally, and physically I haven't been more stressed and tired in my life since spotting these violations. This alleged collection account is reported as open with an alleged past due balance which is a violation how is this account even being furnished at this point. Even though I already sent disputes on this collection account I had to make this complaint because Transunion has a history of reporting inaccurate information even after it is disputed. This consumer reporting agency is in violation of USC Title 15 1681Eb- Accuracy of the report - '' 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. '' and USC Title 15 1681i 5 1-2- Treatment of inaccurate or unverifiable information - ( A ) In general If, 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.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Collection account. {$2.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} writte FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.