23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I processed an ATM transaction at XXXX XXXX XXXX in XXXX, In using an XXXX stand alone ( not named by the casino ) ATM. The ATM maintained and I did not receive my money. The cash XXXX at the XXXX called XXXX and verified the ATM was not communicating and they took it out of service. I immediately called the number on my Netspend card and reported the issue and filed a dispute of which I got an email confirmation of. I heard nothing for the next 8 days until I called NetSpend to find out I needed to ask for a provisional credit in writing, which I did on XX/XX/XXXX and recurved a confirmation they got the request. Immediately following that I contacted XXXX to see if there was anything they could do and they advised they had not gotten a request for charge back on the transaction from my debit card. I then called NetSpend back and I was then told they had until XX/XX/XXXX to respond. On XX/XX/XXXX I responded to a survey from the casino in which I explained the situation and explained I was frustrated but the assistance I had gotten from the casino. The Director of cash for the casino promptly contacted me and asked me to give her the details so she could see what she could do. She contacted XXXX and they found the transaction and confirmed I did not get my cashed and processed a charge back to my account for {$200.00} ( XXXX + XXXX ATM fee ). On XX/XX/XXXX I sent an email using my secure inbox for my account stating the above and asked when I was going to get either the provisional credit or my money credited back to my account. My understanding from the casino and XXXX was that this transaction falls under Reg E compliance. I received a letter on XX/XX/XXXX starting they did not issue a provisional credit because I don't request it. I once again emailed them using my secure inbox in my account and advised I not only requested it but also got a confirmation from them that they got it. I got a response back today starting that my transaction doesn't qualify for a provisional credit since it, according to NetSpend, doesn't fall under Reg E. They received the charge back on XX/XX/XXXX and I just recurved an email stating that the next update on my dispute will be XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

i am a victim of XXXX XXXX under XXXX c fcra adverts inclusion block
Product: Credit card or prepaid card

Good evening, On XX/XX/2019 I purchased a XXXX XXXX ticket using Chase Ultimate Rewards Points with my Chase Sapphire Reserve Credit card. XXXX XXXX canceled my return flight and issued me a partial refund for {$150.00}. XXXX informed me on XX/XX/2019 that the refund was processed. It's been weeks and Chase refuse to refund my account. 
I waited the appropriate amount of time for the refund to appear on my account but it never did. I contacted Chase Card services using the secure messages feature and informed them of the issue. Chase told me the refund processed to a different credit card number from the one I have, and that I'd need to work out my refund with the airline. I contacted XXXX again, who informed me that when a customer books a flight with credit card points, the credit card company itself reserves the flight through a partnered travel agency, and that XXXX had reimbursed Chase 's partnered travel agency, because XXXX can only reimburse in the exact method in which the flight was reserved. 
A XXXX representative told me to contact Chase again and tell the credit card company to reach out to their agency, confirm the {$150.00} reimbursement, and then forward the refund to my account. I messaged Chase on XX/XX/2019 and told them this issue and asked them to confirm my refund with their agency. Chase sent me a repeat semi-automated response to contact XXXX again, and claimed that I hadn't booked the flight using Chase ( even though I definitely booked the flight with Chase Ultimate Rewards Points and I have the email confirmation to prove it ). Chase customer service is sending me in circles, refusing to follow up with their own travel agency, refusing to read the messages I sent them with pertinent information, and refusing to process my refund to my account. I have spent over twenty hours contacting Chase and two months of frustration waiting for my refund. 
Furthermore, when I spoke to a Chase representative on the phone on XX/XX/XXXX she was less than helpful. She told me XXXX cancelled my return flight because I'd failed to arrive at the airport for my departing flight ( this was false and easily disproved. I'd flown on the departing flight the day before ). She was also unable to receive emails, so I couldn't show her the XXXX flight or refund information. When I learned I could not forward documents to Chase employees while on the phone, I decided to use the secure messaging. But this method of communicating with Chase has proven just as ineffective. 
I am attaching to this complaint all of my messages with Chase, proof that XXXX processed my refund, and proof that I purchased the flight through Chase.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute this account that has appeared on my credit report, which I believe to be the result of fraudulent activity. It has come to my attention that this account is inaccurately listed and are severely damaging my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

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

I have identified several discrepancies in my accounts, including inaccurate information, incorrect addresses, and accounts that are over XXXX XXXX XXXX. Despite the lack of debt contracts, this information was placed in my credit reports. Additionally, Experian has not reported properly, and these accounts have not been properly investigated. Thank you for assisting me with this complaint. 

Addresses are not current XXXX XXXXXXXX inaccurate info XXXX No longer a customer- Debt with another company XXXX- Account is not mine Uplift- balances are incorrect and not updated XXXX-Paid please remove First Premier over XXXX years ago. Acct was paid Home Point- No longer a consumer, yet it is still on report Leaders-Paid, please remove Popular-not deleted acct over XXXX XXXX XXXX XXXX Federal- over XXXX XXXX XXXX not closed Verizon-No acct active Portfolio-Recovery-No contract request or XXXX to report XXXX-No acct with this company.
Product: Student loan

The problems began in XX/XX/XXXX. I graduated at the end of XX/XX/XXXX in the midst of the global financial crisis. Fortunately I was able to find work immediately following graduation from my XXXX program and keep up with student loan payments. Initially everything seemed to be fine but when I was laid off the following fall in XX/XX/XXXX I quickly fell behind. I started receiving numerous communications from then XXXX XXXX, Department of Education Loan Services specifically suggesting forbearance as a first option for dealing with loan repayment. That I can think of no offer was ever made to consider an income based loan repayment program nor was I aware of that option. 

I have 74 emails from XX/XX/XXXX through XX/XX/XXXX of XX/XX/XXXX that provide a timeline of events. I stopped communicating with Navient in spring of XX/XX/XXXX in the midst of yet another spell of unemployment when it was suggested by a phone representative that I should solicit funds from friends and family to make a full payment after offering a partial payment which the representative rejected. 

It has recently come to light that this sort of practice
Product: Vehicle loan or lease

On XX/XX/XXXX ally financial recieved a payoff check for my car from XXXX XXXX, so far ally has not cashed this check causing me to enter late fees and such as of tomorrow XX/XX/XXXX!.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company XXXXXXXX XXXX reporting a collection on my credit report and I have no idea who or what is. I have reached out to the credit bureaus and sent my identification ... .This XXXX company got bought out by XXXX and no one will respond to my letters .... I know the bureaus get paid by these companies and they took one look at my ID and figured ok .... black ... no response ... Sorry to rant I'm just so upset that the bureaus would allow this ... ...
Product: Debt collection

Debski and Associates acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus Debski and Associates were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. Debski failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXX the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

Debski and Associates having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX XXXX Florida Small Claims Case XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was told several times that if I paid the debt that they would remove it from my credit report. I called the original creditors and they explain that it would be on my report for 5-7 years. I asked the collection agency to put it in writing and they refused. If they were going to remove it as they say then hey would put it in writing so they are lying to people to collect on these debts. Im not even sure if I owe it. I asked for a breakdown and the girl just wanted to argue. I want it in writing that they will remove the debt once paid.
Product: Credit reporting

I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX XXXX begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XX/XX/XXXX but my XXXX was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and in XX/XX/XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, XXXX XXXX XXXX Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
Product: Credit reporting or other personal consumer reports

I have been disputing a debt collector through XXXX and is always coming Verify witch they never send me no documentation how it comes verify. I have never had a contract with this debt collector.I paid this debt in full because they mentioned they would remove the collection from my credit report witch i didnt know around that time more knowledge to request verification the representative said if I paid this full amount it will gets removed in 30 days. After that, I never got the debt collector removed from my credit report. I believe they used me to get the money. I have the right to dispute this debt collection. As I dont have no contract with them. Please remove this unverified account unless you can furnish a signed contract. Please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

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

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 wich antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. 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 : ( Avant llc ) : 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: Debt collection

The company has repeated refused my efforts to have them remove fraudulent information from my credit report. The company was provided with a move out statement that showed no money was owed.  National Credit Systems   responded by sending me a copy of a fraudulent renewal lease with mismatching dates and forged signatures. Additionally they continue to verify this fraudulent information as correct.
Product: Credit reporting or other personal consumer reports

Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors 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 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash app ( block, NC ) 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 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
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account MERCEDES-BENZ FINANC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MERCEDES-BENZ FINANC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to  confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I made a payment regularly to XXXX XXXX for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to XXXX XXXX who is saying they have no record of the call! 

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).