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

On Sunday, XX/XX/XXXX, I log into my high-yield savings account with XXXX by Goldman Sachs to transfer money to my external account with XXXX XXXX XXXX  XXXX I received an error message on the web, which gave me a message to call them directly. When I called, they went through authenticating me with sending a code to my cell phone that's on file. However, I never received these codes and they refused to accept my name, birthday, address, social security, and special word as a form of proof that I was the person calling. I said I would call back, as I didn't understand why my code was not going through. When I logged back in to try again, I was shown a page that my account was locked. I called again and they again, refused to accept any form of verification though it matches exactly on the account. They then refused to accept my phone number ( that is on the account ) as an accepted verification because the phone number is not under my name - how is that fair when I am in a family plan with my husband, who's the name on the account/bill. That is my cell phone number and not something that I physically own or should be considered a form of verification. I have called every day ( XX/XX/XXXX, XXXX, XXXX of XXXX ) to understand 1 ) why my account was locked, 2 ) why they will not accept my social and special word as verification, and 3 ) when I can expect to get my account unlocked ; with every agent saying that they can not tell me and that there's nothing they can do. 

I am blocked out of my account that contains my life savings which I need access to pay my bills and rent. How can a bank block me from accessing my money and not accept any form of verification and refuse to tell me how I can unlock the account or when it would get unlocked. This is outrageous.
Product: Debt collection

I received a notice dated XX/XX/2019 from Professional Account Management , LLC. Original debtor is XXXX XXXX XXXX. 

The XXXX XXXX system is very flawed. I could have sworn that this amount was taken care of, after I disputed via the forms of the amount they were attempting to collect originally. 

The violation fees were waived and they deducted the remaining amount of the actual toll from my XXXX XXXX balance. I am disputing this entire amount sent from the collection agency in the amount of {$200.00}. 

They are threatening to suspend my license plates as a result, if I fail to respond to them.
Product: Mortgage

XXXX Chase mortgages have been resolved since 2009. They are currently reporting negatively 7 years later, the accounts have been paid and I am no longer responsible either accounts.
Product: Debt collection

XXXX XXXX XXXX is supposed to DELTE this debt from my credit report as it was settled and paid for deletion and they have failed to do so. The account numbers is XXXX and the original amount is for {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by XXXX on XX/XX/XXXX XXXX acct number XXXX with XXXX XXXX  XXXX was deleted from my credit report. 
I have now realized this same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.CS1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit report to avoid legal action, I
Product: Money transfer, virtual currency, or money service

I was scammed by someone for a house rental. Payment was made through my XXXX XXXX account through Zelle. These people must be stopped. I have all the information needed to stop them and get back my mom money. Its a lot to type. Im best reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called Equifax more then once to have them remove the birth date on my credit report thats not mines Ive filed a dispute sent in proof and still nothing I upload my ID online for the dispute they investigated and still didnt update it. this is causing me to be denied credit and its unfair my birth day is XX/XX/XXXX not XX/XX/XXXX this is not cool they get to pick and chose what stays on my credit file even if its not my correct information
Product: Debt collection

We received a letter from Arstrat claiming we owed {$760.00}. It was claimed this was in relation to the doctors at XXXX XXXX XXXX. We had already resolved this so I had my husband contact this company. I gave them permission to discuss with my husband. The following is my husband 's notes on the call " I spoke with a person who identified them self as XXXX. I stated we did not recognize the debt, that we dispute the debt and that we wanted written verification. The very first thing XXXX told me was that we didn't need to dispute the debt and she didn't want to put it in dispute. I told her that we indeed wanted to put the debt in dispute. 

I then addressed written verification. XXXX first said that as a collection agency then do not provide verification. I explained I was familiar with applicable law. Then she said they did not have any verification. I told her that without verification they could not pursue this debt. At this point she told me that she'd hang up on me if I kept asking for verification I found the entire conversation unprofessional and it began to seem rather shady. I told her again, this was now the 5th or 6th time, that we were requesting verification and that if ARSTAT can not provide it, they should not be trying to collect. 

According to XXXX XXXX XXXX XXXX system we do NOT owe any money. They claim they don't even use this company. '' We want this removed from our credit report immediately!
Product: Credit card

Capital One continues to report business account and further states that I am personally liable for charges. No information supplied by Capital One to substantiate account ownership
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX XXXX Account with Balance of {$2300.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXX XXXX XXXX account with a reported balance of {$2300.00}. This account is incomplete and inaccurate, as the name of the original creditor is not included in the reporting. This omission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. 

Issue at Hand : 1. Lack of Original Creditor Information : The FCRA ( 15 U.S.C. 1681g ( a ) ( 2 ) ) requires that a credit report clearly identify the original creditor associated with an account. The absence of this critical information deprives me of the ability to verify or dispute the legitimacy of the debt, and it compromises the accuracy and completeness of my credit file.

2. Potential Violation of State Laws : Many state laws impose additional requirements on debt collectors and furnishers of credit information to provide transparent and complete details about any account they report. Failing to disclose the original creditor may also violate applicable state consumer protection statutes, further underscoring the inaccuracy of this accounts reporting.

3. My Right to Accurate Reporting : Under the FCRA, credit bureaus and data furnishers are legally obligated to maintain maximum possible accuracy in credit reporting. The absence of an original creditors name makes it impossible for me to verify the debt or take appropriate action, and it reflects negligence in the reporting process.

Requested Action : I respectfully request that you : 1. Investigate the accuracy and completeness of this accounts reporting in accordance with the FCRA and applicable state laws.

2. Either provide the name and full contact details of the original creditor for this account or remove the account entirely from my credit file. 
3. Provide written confirmation of the results of your investigation and the steps taken to address this dispute.

This letter serves as my formal dispute under the FCRA. Please respond with your findings and any supporting documentation used in the verification process within the timeframe prescribed by law.

Should this matter not be resolved in a timely and satisfactory manner, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and to pursue other legal remedies as necessary.

Thank you for your prompt attention to this matter.
Product: Debt collection

Good afternoon, I had a credit card with XXXX XXXX XXXX.it was sold to a collection agency called XXXX XXXX ( account XXXX ) Their address XXXX XXXX XXXX XXXX sc XXXX Then another company trying to collect on the same debt called XXXX XXXX ( account XXXX their address XXXX XXXX  XXXX XXXX XXXX MN XXXX Then another called Resurgent capital account XXXX Adds XXXX. XXXX  XXXX XXXX MI XXXX   None of them would validate the debt because XXXX XXXX bill me some items in error
Product: Credit card or prepaid card

I called and spoke with a representative on a recorded line for my XXXX credit card ending in XXXX. The representative lied to me about the terms of the promotion and timing of receiving certain benefits. I messaged with Chase for the past two months. I requested a refund of the {$100.00} annual fee because of the misrepresentations made to me when I signed up. I spoke with multiple reps and secure messages and Chase ignored my requests and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has consistently reported a much lower credit score ( XXXX ) as compared to XXXX ( XXXX ) and XXXX ( XXXX ). I ordered all my credit reports which showed nothing but excellent with all my creditors ( no negative remarks at all ), in fifty years! 

I have now tried four times ( Experian complaint # XXXX ) to get them to explain why they report a much lower score, but they have refused. The do respond, but with a canned letter, that does not address my questions. The Federal Trade Commission referred me to you, the CFPB, stating that you have authority over them. 

I have worked hard all my life fulfilling all my credit obligations with excellence. It is not right for Experian to report scores not consistent with an excellent record, especially when the other two credit bureaus are reporting excellent scores, and, using the same reports.
Product: Money transfer, virtual currency, or money service

I was scammed by people impersonating XXXX  and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/2023 from XXXX bank Bank of America. I filed a claim with BoA on XX/XX/2023, claim number XXXX, before the cashier 's checks were deposited on XX/XX/2023. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds on XX/XX/2023. On XX/XX/2023, BoA sent me the Scam Victim Acknowledgment letter and I have signed and returned on the same day. On XX/XX/2023, the claim is closed and only {$51000.00} was recovered. This doesn't align with XXXX 's holding both {$51000.00} and {$49000.00}. The {$49000.00} is missing. I filed a complaint with XXXX and on XX/XX/2023 they stated BoA hasn't sent the hold harmless document to XXXX, please see the attachment of the statement from XXXX. So I followed up with BoA fraud department to reopen the claim and was denied. Since the $ XXXX is still holding at XXXX, I'm asking BoA to either reopen this claim or open a new claim and sending the hold harmless document to XXXX to recover this $ XXXX for me.
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

I, XXXX XXXX, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), and demand that you cease and desist any contact with me in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third ( 3rd ) party to contact me in reference to this collection. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION. 

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

Since I felt the credit bureaus didn't adequately investigate my dispute, I just submitted a request for an investigation of the disputed items. Records kept by the 3 credit bureaus reveal that it was untrue. The following items must be updated from my file by the three credit bureaus because the credit bureau 's examination was conducted incorrectly. 
XXXXXXXX XXXX XXXX XXXX XXXX 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: Mortgage

My buyer was dealing with City Worth to process a VA loan. We had a 45-day contract and it was not until the end of the contract we found out the lender had not finished the process. They had not been waiting on anything from the borrower. The lender contacted us repeatedly begging for me to sign an extension stating it was there fault. It took 21 days to finally close. However, I was not made whole and they took an additional 3 days to fund the purchase! 

What I mean about not being made whole is I had to pay an additional 21 days of mortgage interest because they could not process the loan due to their repeated mistakes. When I asked XXXX XXXX of City Worth XXXX about this, he said it would be worked out but attempted to go back to the buyer and redo the loan putting that amount on the loan. Other words making the buyer pay for their mistakes. I did not let that happen as it would have been an additional 30 days he said. 

I believe the lender is in violation of Regulation B and is responsible for covering all our closing costs, extra interest due to the late closing and any related fines, penalties and hardship to us.
Product: Credit card or prepaid card

On XX/XX/2023, I made a purchase with XXXX after enrolling for an Amex Offer that would provide {$150.00} back as a statement credit. To earn this credit, the offer required spending {$750.00} or more, which I did. My transaction was {$1100.00}. 
Other requirements of the offer required purchasing online from XXXX and paying the transaction in US Dollars. All of this I did after reading the terms multiple times. I have used thousands of Amex Offers and understand how to use them. I have never contested an Amex Offer, because I receive credit regularly due to knowing how to follow the terms & conditions. 
On XX/XX/XXXX, I initiated a chat with Amex through the website to inquire about the missing {$150.00} credit. I explained multiple times to the chat rep that I paid in US Dollars after choosing USA/Dollars as the website settings on XXXX ( which is based in XXXX, and I don't speak XXXX so of course I know I used these settings ). Despite choosing English/US Dollars on the website, Amex reports that XXXX billed in XXXX Yen. Thus, Amex says I didn't follow the terms of the offer and they won't provide the {$150.00} credit. I have a case ID XXXX and escalation ID XXXX. 
No reasonable consumer would expect to see a price listed in US Dollars on a website, follow an offer that says to pay in US Dollars, and then be told that you were billed in another currency, therefore not qualifying for a {$150.00} statement credit. This is deceptive. No consumer should fairly be expected to know that they're on the hook for choosing to pay in a certain currency and then being billed in a different one. It's deceptive and unfair for American Express to refuse to honor this, and it's insulting that they offered a maximum of XXXX points to my account ( worth {$30.00} as a statement credit -- {$120.00} less than the missing credit ) when I did everything a reasonable consumer could possibly do to follow the terms of their offer. 
I expect American Express to provide the credit since I followed the terms of the offer and have not been able to get XXXX to re-bill me in dollars.
Product: Consumer Loan

I took out a loan with PNC Bank in the amount of XXXX for cash in the amount of XXXX and repayment of a prior loan for XXXX The amount of cash was received but the amount to pay off the existing loan was lost by the bank. This occurred in XXXX but I did not realize the load was not cleared until XXXX. The branch at XXXX XXXX XXXX XXXX, XXXX Indiana agreed that the fund were misplaced but it would be corrected. Its been three weeks and no one will reply to my inquires even at their headquarters in XXXX. We do not know what steps to take. My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In. Phone XXXX E Mail XXXXXXXXXXXX. The branch manager who handled the loan transaction told us that humans make mistake but why does it take so long to correct the problem. The XXXX gentlemen in XXXX that will not return my calls XXXX XXXX, Executive Branch XXXX XXXX XXXX and XXXX ( XXXX ). We would appreciate any assistance available.
Product: Debt collection

Where do I start. My Person information was hacked via several companies since XXXX. 
XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and XXXX ( XXXX ). 
I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. 
By : ( Harvard Collections Serv.- {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). 

I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. 
As a consumers, the current resources the credit bureau have in place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via thieft.
Product: Credit reporting or other personal consumer reports

Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made.

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. XXXX, XXXX XXXX ___ ( 2024 )
Product: Vehicle loan or lease

After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. 
I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).
Product: Money transfer, virtual currency, or money service

I am making a complaint about cash app because of its inadequate customer service and unfair practices which violated the Consumer Financial Protection ACT. They never took time to actually prevent fraud leaving my account vulnerable. I have now been banned from the app ( Zero reason has been giving to me ) and im looking for everything ive spent to be refunded due to its unfair practices which violated my Consumer Financial Protection
Product: Vehicle loan or lease

Its illegal to furnish my personal information without my consent also the dates for this account is wrong it shouldnt be on my credit report I never received disclosure forms
Product: Debt collection

synchrony bank : my mother died on XX/XX/2020 she was the main cardholder.. care was there only one giving us problems.i found out that just because there was another person on the account just for ermermcy they should not be responsible for the account. they billed my mother. the other person was never concerned until now. according to the credit bureau. the bank has option which they refused to take. 1, they can write of as a bad debt. or they can take 75 percent of what the card is used. or close out the account which they refused to be reasonable. i tried several attempts to make it right, non on her family is reasonable for that debt. she did not own a home or house or have any money. i was told by the federal banks that sycnrony banks should make every effect to make it right. social security says it can take XXXX to six months to declare the person dead. the person they sent is in XXXX her delf in a deep XXXX from the mom passing and can not deal with the bad treeatment