23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Received an alert from cash app regarding my sons account that I was no longer an authorized sponsor. After I logged in using my Face ID the system shutdown and closed the app when I went to re-enter the app it requested to send me a text with a XXXX code to re-enter the account after completing I entered the app, and the next screen stated my account had been closed for violating terms and use. I went to support and was asked to verify how my account is used and I informed them that I use it to send my kids and me and my spouse send funds regarding bills. I also receive and send funds to friends and family for birthdays holidays and if someone may be selling food plates or just in general shopping. customer support could not inform me what exact reason caused the closure of the account it did allow me to withdraw my funds to my primary account and requested that I appeal the decision and that will take 30 days or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report in XXXX and I filed a complaint with the Federal Trade Commission about this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates the consumer financial protection at specifically Cash App fail to take timely and effective measures to prevent an 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 and regulation E these actions have caused significant inconvenience and financial Loss and I see appropriate redress For these violations
Product: Credit card or prepaid card

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( JPMCB CARD XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with XXXX and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.
Product: Student loan

On XX/XX/year> I asked Mohela why they were putting my monthly payments towards the loans with the lowest interest rates when i was using autopay? Mohela wouldnt get back to me and put me into a phone loop that never let me talk to an actual human. Sense they were putting my payment towards the low interest rate loans my balance wasnt moving as much as it should have and the higher interest loans were growing way quicker.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information that is not mine. They have incorrectly reported to credit bureaus and also sent it collections. XXXX XXXX XXXX which now is a double report against me. This needs to be removed from my credit report as it not correct. 

The purpose of this letter is to dispute the XXXX Account that was placed on my account that states it was opened on XX/XX/year>. This charge of {$5200.00} from XXXX XXXX. 
I have advised that this has been a case of Identity theft yet it has been reported against my credit report to Trans Union, XXXX and XXXX. 
The charge has no proof or foundation and I have advised that the charge is not valid yet your company has placed the charge against me with clear notification that this is not mine. 
I am seeking that this be immediately removed as it has been clearly provided as fraud. In addition, due to this being the second or third notice I am hereby notifying the CFPB as it is a violation of the fair credit and reporting act which is being violated by your company. 
If this is not removed immediately as there is no supporting documentation to support this bill I will have no choice but to take this matter to court and request that I be paid for damages that your company has imposed to me for falsely reporting this information on my credit file. 
Due to this being fraud I have attached the FTC report and also the letter to collection which is a double negative against me.
Product: Credit card or prepaid card

I have a discover credit card for a long time and always paid my bills on time, and I have great credit score. Now discover is holding my Money order and saying they cant apply it to my account as a payment and refuse to send it back to me, and want me to send an another payment. I called the money order company and they said there is nothing wrong with the payment and that discover are using a different system to process payments than before. If discover is using a different method to process payment it should not be the consumers responsibility and I can not imagine how many millions of people are going through this problem and discover are keeping the consumers money. Its a burden on the consumers part And that the consumer have to pay the money order company a fee to reissue another money order. Please look into this they are keeping peoples money and telling consumers to call your Your money order company and the mean time the consumers have to pay a fee to get the money order reissued!!! Discover needs to fix this problem and send the money order back to the people!!! 
Please look into this matter and I am available to assist you!!! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to XXXX they verified the bankruptcy information with Lexis Nexis. This statement is as a result of an error on their part or either is an outright lie as I have documentation from Lexis Nexis stating that this information is not on file with them. If a complete investigation had been made it was not verified by Lexis Nexis. I'm including Lexis Nexis in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.
Product: Debt collection

I lived at XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Arizona XXXX from XX/XX/XXXX to the XX/XX/XXXX, this was not a lease but a rental agreement the apartment was not maintained that well it had very old carpet and lots of cockroaches this was affecting my health, I was coughing up blood and almost suffocated several times my primary care doctor sent me to XXXX doctor and a XXXX, I did not have XXXX but a cat scan showed I had inflammation in my XXXX and they were raising the rent and wanted me to sign a lease so it was time to make my exit. They threatened to ruin my credit if I moved out.I supplyed them with a letter from my doctor advising me to move to a home without carpet and cockroaches. I thought every thing was fine then they sold the account to a collection agency in XX/XX/XXXX, national credit systems in XXXX. They made the same threat of ruining my credit, I supplyed them with the same letter from my doctor and their responce was to report it to XXXX and XXXX. I also have XXXX reports from the hospital avaiable on request. National credit systems is forgien corperation with many complains so why are they allowed to operate here? I would like them to remove this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for two credit cards ( XXXX XXXX and XXXX ) without permission.
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history. 

I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported. 

I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative XXXX 

I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter. 

I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
Product: Debt collection

I received an email from Genesis Credit Management claiming I owe money to XXXX XXXX XXXX in XXXX managed by XXXX without providing any valid proof. 

However, I have never entered into a leasing agreement with XXXX, nor have I resided in any of their units. My only interaction with XXXX  's leasing office was over a year ago when I inquired about leasing information. At that time, they initially offered me unit # XXXX but later retracted the offer and ceased all further communication, despite my attempts to reach out. 

Given these circumstances, I firmly reject any charges from XXXX  XXXX, as I have never availed myself of their services. I have retained all unresponded emails and records of our previous conversations, which I am prepared to present as evidence if necessary. 
I assert my legal rights in this matter and expect a prompt resolution to this erroneous claim.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX **** Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9600.00}, XXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXX Balance Owed : {$10000.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Payday loan, title loan, or personal loan

I got a consumer loan for new windows through Aqua Finance. I got behind on payments last summer and made up for late payments in XXXX. In fact, I made over {$3000.00} in payments in XXXX alone. When I continued to go back online to my account to look for a new billing statement - I was rather confused as to why there had not been a new billing statement posted since the beginning of XXXX. Regardless of late payments, I needed to see a current billing statement to see where I was with balances. When I realized they had not posted a new one in months, I wrote to them first week of XXXX to inquire. I received a reply that they " don't do that '' on accounts in arrears. I demanded a current statement to ensure my {$3500.00} in payments is being properly credited. They stopped responding to me. I wrote again today and inquired why I STILL have not received one nor is there one posted on my account. Still nothing.
Product: Checking or savings account

Haven't got any money from wells Fargo I started banking with them in 2021 and haven't got any money or a written response about the clam y'all have against them please let me know what to do next thx
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX Balanced {$2700.00}
Product: Checking or savings account

Hi I have been a Capital One customer since at 2000. Only when I read a recent XXXX article about them scaming long term customers out of interest did I realize I was also a victim. 

Despite the 4.3 % or so rate advertised for the 360 Performance account, my account which I have maintained for almost 25 years -- going back to when it was opened as an ING account -- was getting 0.3 %. 

I don't get it. I had assumed after seeing a million TV ads for the high savings rates that i was getting them too. Foolish me. 

But how can they suppress my interest rate as a 25 year client and give 100 times that rate to brand new customers. What is Capitol one doing? Seems fraudulent. They stole XXXX XXXX XXXX XXXX XXXX  dollars of interest from me over years. 

XXXX XXXX--
Product: Credit reporting or other personal consumer reports

Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including XXXX, equifax have shared my private source data information with out permissions or consent
Product: Credit card

Venmo offered me a credit card and I accepted. They offered cashback and also if I charged {$1000.00} within XXXX months, they would give me a credit of {$250.00}. I was using my card to reach the {$1000.00} and I believe I was close to that amount and they closed my account out of the blue without notice. When I called, I was told I'm a high risk. I said I'm using the account more than others because I'm trying to get the cash back you offered. She offered nothing other than they will send me a letter in XXXX days. I believe they offer this and hope you will have to pay fees and catch you in debt. Because I was paying my card off each month, I was not paying finance charges. I have had no late payments and have been responsible with my card. They are fraudulently offered this cash back deal and then will not give what they offered.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy listed on my report and ive reached out to the bankruptcy court and was told that information is not provided to credit bureaus. Ive reached out to all 3 credit bureaus asking proof of verification of the record. I would need for this to be investigated
Product: Debt collection

The company, Portfoliorecov has called repeatedly almost everyday, several times a day for at least 3 years.They call from different phone # 's, looking for people I do not know. I have requested many times when I have answered the phone to not call my #, no matter who they are looking for, I have also reported them to the National Do Not Call List many times. This company still calls
Product: Debt collection

I had an older internet service debt, estimated to be from XXXX. The collector completely removed it from my account and then re-aged the debt claiming it was from XXXX. This dropped my score quickly, as it was considered a " new debt ''. This practice could cost me my home mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many many complaints to CFPB regarding a XXXX card and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from XXXX offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Product: Debt collection

Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named XXXX XXXX XXXX XXXX. This company legal team named Aldridge PIte Haan LLP are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.
Product: Credit card or prepaid card

The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. 


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

I have tried to contact Experian several times to make a dispute and its still not showing as disputed. 
XXXX XXXX XXXX  makes the false claim I owe {$240.00}. 
I do not owe them any money. They actually owe me money and I had a credit, this is all illegal fees. 
The problem is that this is a conflict of interest because I got this card off the experian app. Now Experian wont remove it or help me.
Product: Credit reporting or other personal consumer reports

I have the right to privacy under 15 USC 1681a ( 4 ). There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Violating these laws makes you civilly liable should I be forced to resort to legal action, pursuant to 15 USC 1681o ( a ) ( 1 ).
Product: Debt collection

I received a letter on XXXX from Keith D. Weiner & Associates Co. L.P.A. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to Revive judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, XXXX.