23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I originally contacted Goldman Sachs regarding a transaction that was dated for XX/XX/XXXX. Filed the dispute on XX/XX/XXXX the transaction for XXXX in the amount of {$2600.00}. Goldman Sachs advised that they would have a dispute resolution by XX/XX/XXXX. 

XXXX, ( the merchant ) had reached out to me and advise that the attempted to refund the transaction two times but the transaction was denied by Goldman Sachs. I contacted Goldman Sachs regarding this issue, and they said that they denied the refund due to the fact that they said I went behind their back to work with the merchant to get my money. 

Goldman Sachs had requested that I canceled my dispute multiple times at which I had told them that I did not want to cancel my dispute. Goldman Sachs canceled the dispute without my consent resulting me having to re-file the dispute on XX/XX/XXXX. At which time when the dispute was re-filed, they did not go based off of the date for the original dispute XX/XX/XXXX. Resulting in me, having to wait an extended period of time to have this dispute resolved I have made multiple calls to Goldman Sachs providing sufficient proof that the merchant has accepted liability for the dispute. Which was provided in XXXX, and they still are not resolving the disputes, they told me that they will not resolve the dispute until 90 days after XX/XX/XXXX. 

After to finally dispute on XX/XX/XXXXXXXX  Goldman Sachs close my credit card without advising me that the card number was replaced. Nor did they provide to me any written or email confirmation that this was taken place when I contacted Goldman Sachs in regards to this they said nothing I said why my card was closed and replaced without my prior knowledge. 

On XX/XX/XXXXXXXX  I spoke to a supervisor by the name of XXXX, requesting information in regards to my dispute. At which time she told me, she will not provide me any information for my prior dispute, because she doesnt have access to that information after multiple request from her asking to provide me the information that is required to be provided to me for filing a dispute, she then complied and provided to me the date for the dispute that originally was filed on XX/XX/XXXX. 

I also have advised Goldman Sachs that I have not received any written or email confirmation of any of my disputes at which time XXXX told me she will not provide me my confirmation of my dispute. 

Goldman Sachs has failed to comply with regulation Z and within the timeframe allotted within this regulation. I have made multiple times for Goldman Sachs to provide to me a resolution to this dispute, which they have yet to do so.
Product: Money transfer, virtual currency, or money service

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

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

GM Financial reflected fraudulently reflected 60 days late payments on customer car payment account. GM Financial received payment from XXXX Bank on XXXX XXXX with the wrong address as stated by XXXX Bank. GM Financial would not produce evidence that they did not receive car payments for XXXX XXXX and XXXX XXXX. XXXX bank stated that the XXXX XXXX and the XXXX XXXX car payments also had the wrong address on them. XXXX bank mailed out the car payments to GM Financial. GM Financial refused to provide me proof that they did n't receive the XXXX XXXX and XXXX XXXX car payment. I am requesting that GM Financial produce copies of these XXXX electronic checks and the date that they received payment.
Product: Money transfers

I SENT {$1000.00} TO XXXX THROUGH XXXX XXXX. THE RECEIVER NEVER RECEIVED THE MONEY AND XXXX XXXX REFUSES TO REFUND ME MY MONEY. THE TRACKING NUMBER IS XXXX. MY NAME IS XXXX XXXX PHONE NUMBER IS XXXX
Product: Debt collection

XX/XX/2021 By the name XXXX XXXX contacted my wife 's phone from XXXX at XXXX XXXX  and left a message. In that message she spoke very fast and not every word was spoken clearly ; however, she left personal information ; my full name, my age, full DOB and full address. My wife 's phone does not have a personal voicemail message, so she had no clue who she was even leaving the message for. She also left this full message on XXXX  of my daughter 's voicemails as well. She is contacting and give all my personal information to several people. 

After reviewing the message several times I believe the company 's name is MSB or could be MSV. 

She left a message threatening that she is in arbitration process incentive division and that I have a case number with XXXX XXXX. The case number she left on my wife 's phone is different then the one she left with my daughter. The phone number that she left on both voicemails was the same XXXX. 

She stated she will be contacting all employers, anyone that is close to me, all locations and this is in recovery for rewards for all assets including properties, vehicles and bank accounts. Then she stated thank you, good luck. 

If this is in fact a collection account of some sort, contacting people and giving/leaving my personal information is harassment. They are in violation of Fair Debt Collection Practices Act ( FDCPA ) and threatening to contact an employer and sharing information improperly, and improper communication tactics. 

Under federal law, a debt collector may contact other people but generally only to find out how to contact you and they are not following this law with giving out my personal information. 

Fair Debt Collection Practices Act ( FDCPA ) 807. False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Contact me on my phone with a phone number that I have had for over 10 years and let me know what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, Chase and XXXX XXXX. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

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

Hi, I had three different banks contact me. 
XXXX XXXX XXXX XXXX XXXX XXXXUS Bank XXXX XXXX XXXX XXXXCitizens Bank XXXX XXXX XXXX XXXXXX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Have wind and hail policy and the mortgage company is not recognizing that even after my insurance agent sent them proof and this happened last year I they took money from my escrow to buy a 2 week policy even though I had a policy and here we go again
Product: Credit card or prepaid card

I had a death in the family recently and missed my payment date by 2 days. I called to request a courtesy waiver of the late fee and was told that I had a late fee waived back in XXXX, so that makes in ineligible for another wavier for 12-18 months. 

The complete LACK of customer service by Comenity bank, ESPECIALLY during a PANDEMIC is ridiculous!! How can there not be exceptions to their " standard operating procedures '' during this time, not to mention for the care of a customer who has lost a loved one!! This organization is thriving on bleeding customers dry.
Product: Credit reporting or other personal consumer reports

There are incorrect personal details on my profile. Kindly review all documents that contain my correct and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting actXX/XX/XXXX Account XX/XX/XXXXXXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for a purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Venmo informed me that my teens account had been frozen with {$1000.00} in it. They said it was for violating the user agreement. When I asked them for specifics, they replied on XX/XX/scrub>XX/XX/24 that my teen account would be shut down and ( From the email ) : The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo.

Im OK with having the teen account banned, but not keeping the {$1000.00}. 
To hold the funds for 180 days should be illegal if its not, especially given that they wont divulge which part of the lengthy user agreement was violated.
Product: Checking or savings account

XX/XX/XXXX Dear CFPB, To my recent request to Bank of America regarding whether or not Bank of America provides reasonable accommodations to consumers who do not communicate effectively via telephone including teletype I received a rather disturbing response. 

I will let the public and the government agencies to judge Bank of Americas interpretation of the Americans with XXXX Act. My concern is about the fact that Bank of Americas response ( see the enclosed letter ) contains absolutely false information. 

Bank of America in the attached letter lists multiple ways that customers with non-typical abilities can communicate with Bank of Americas representatives. I have not verified if all the options listed by Bank of America in its letter are available to the consumers, but the one I had verified is not available. Specifically, in the enclosed letter ( which by the way I had received in XXXX of XXXX despite the fact that the date on the letter in XX/XX/XXXX ) Bank of America states the following : We offer accessible options for facilitating communications such as : XXXX ... > Providing the option to email us through the secure Message Center within Online Banking. 

The fact is that Bank of America does NOT provide an option for consumers to email Bank of America through the secure Message Center. This option was removed by Bank of America from its Online Banking website several years ago and it is no longer available to the consumers. 

Considering that Bank of America provided incorrect or even plainly false information about one method of communication that non-typical minority customers can use, I doubt that the other methods listed in the Bank of America letter are available to the consumers.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX  XXXX these are the fraudulent 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 XXXX XXXX XXXX XXXX XXXX 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

This company reported that I had a alleged charged off account as of XXXX. I have already disputed this account because they have been reporting a improper balance. They never provided the original contract that I owe the debt that bears my signiture. They never provided the purchase agreement which if requested by law they have to provide. Also they over the last few months since I requested validation they have ententionally been reporting mixed-up and confusing inaccuracies on my file. They have went from in collections to open account as well as reporting on my name that I am paid up to date then all of a sudden charged off. They are now reporting that I'm 119 days or 4 months past due on a charged off account. I believe I need legal representation. Because I belive my rights are being violated according to the fdcpa violations. I will upload proof of these preditory tactics that they are trying to use against my name.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$7600.00} XXXXXXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$33000.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Product: Checking or savings account

I have a fraudulent XXXX charge I didn't authorize on my wisely visa  card ( by ADP, issued by XXXX  XXXX XXXX ). Now the rest of the funds in my account are locked until I get the new card, in addition to having the money stolen from me that I trusted to keep in this financial institution. I spoke to wisely and requested an immediate credit to my account in the amount of the fraud charge and was refused. I was told instead I have to wait 45 to 90 days to get my money back. I spoke to XXXX  and they couldn't help. I called XXXX XXXX XXXX and adp as well. I will be calling XXXX as well during their business hours. I will call my employer as well. Any reputable financial institution does not treat their customers this way. I don't understand how this is legal. I did a bit of searching online and found that apparently this is happening to a lot of people that use wisely by adp.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX  XXXX credit cards that were put in the bankruptcy in XX/XX/2017. The credit reporting agency reports these as missed payment even though I was never late on these cards. I have been denied credit due to the credit reporting agencies inaccurate statements on my credit report.
Product: Credit card

They call about 4 times a day started a XXXX  ago.
Product: Debt collection

The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.
Product: Debt collection

1. I do not have a   contract with DIVERSIFIED CONSULTANTS INC  or  XXXX  because I did not open this account. I am not liable for collection this debt from  XXXX . I am not responsible for this debt.  <P/>  2. I have as ked  XXXX  and  DIVERSIFIED CONSULTANTS INC for validation for this account being mine and have received nothing but bill statemen t. THAT IS NOT VALIDATION!  <P/> **Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account.  <P/> Under the Fair   Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
<P/>
I demand the following accounts be properly verified or removed immediately.