23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX about a lawsuit that was being filed against me by XXXX XXXX XXXX XXXX  Speedy Cash ( this was apparently filed on XXXX XXXX XXXX I have talked to XXXX XXXX XXXX XXXX XXXX XXXX to find out the details because I was never served anything kind of paperwork regarding this. I am unsure of the loan amount or when the loan was originally taken, I'm wondering if my information may have been stolen or compromised. Could you please help me? I was not sure on which buttons to select so I selected the ones I thought were correct.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against 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 Regulati
on E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In mid-XXXX, I applied for the Amazon Chase credit card from an offer on the Amazon website. Within 10 days or so, I had the card in hand. 

I opened the envelope in early XXXX to activate the card and noticed that I was issued only a {$500.00} credit limit despite my FICO being XXXX with an annual income ( base only ) of $ XXXX which I included on my application. 

I submitted an initial secured message to Chase as I couldn't get through by phone to question this and have had many exchanges since through secure message. They basically assert that I have to go through the full credit limit increase process which results in more credit bureau hits. Yet, they have every piece of information required, as provided in the application process, to support the request. They refuse to do so and they also indicate they can't elevate the issue. 

I'm questioning both the credit model applied here to could possibly result in someone with a XXXX FICO and ample income to receive such a low credit line AND being forced to have yet another credit bureau hit within a few weeks of being decisioned when the data already exists for them to make such a decision. Something is amiss on both fronts, including their business process ( not to mention their poor service ).
Product: Credit reporting or other personal consumer reports

I have recently deputed this account but XXXX Transunion and XXXX are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and XXXX, XXXX, and transunion but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

Viewed the credit report and it shows that the XX/XX/year> payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/year>. A payment is {$250.00} was paid on XX/XX/year>, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/year>, at XXXX am confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly and documentation would be made on the account. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XX/XX/XXXX its showing incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website.

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.
Product: Debt collection

I am being charge for an account that i did not open or appliied for, Please correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the filing of a complaint for inaccuracies that are being reported by Trans Union. See uploaded copy of my credit report by XXXX XXXX. Which shows the inaccuracies with account XXXX XXXX acct XXXX XXXX  accuracies being reported are : Monthly Payment, Date Opened, Number of months ( term ), Credit Limit Last Payment, Date Last Active, Date Last Payment, Two-Year Payment History- no months of payments history with Trans Union are reported at all .
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and Bank of America reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Credit reporting

I filed a complaint stating that the Collection Information was inaccurate in its filing. As the term agreement of the accounts : XXXX XXXX XXXX. file ID # XXXX and XXXX XXXX XXXX file ID # XXXX has been satisfied in its entirety. The credit reporting agencies are still reflecting as owing with concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Debt collection

Professional Account Management , LLC of XXXXXXXX XXXX sent me a notice of collection for an unpaid toll violation which occurred in error due to the failure of XXXX XXXX XXXX  sensor to detect my car 's toll pass. 

I sent certified mail within 30 days to the listed address ( with evidence of toll pass activity ) disputing the debt as is my right. Professional Account Management refused to accept the letter and returned it to sender, demonstrating willful blindness and failure to comply with state and federal consumer financial protection laws.
Product: Credit reporting

I 've tried numerous times in telling Equifax that the XXXX XXXX account is CLOSED. I no longer have the credit card, XXXX XXXX has already charged off my account and sent it to collections. Under these circumstances it 's impossible that my account would be reporting as open, yet Equifax is refusing to read my disputes and is ignorantly not looking into the account status ( which if they did, they would see this is an closed account ) The attached document will show that this account was charged off ; something that would n't be possible if the account was still open
Product: Money transfer, virtual currency, or money service

Zelle incident. miss sending no warning on who your sending too.
Product: Checking or savings account

I reached out to chime regarding a plethora of unauthorized charges that transpired when my purse/phone was stolen around XX/XX/XXXX I had been inpatient hospitalized thereafter so did not realize the charges that had been fraudulently charged and the charges occurred due to the fact my card is attached to my XXXX XXXX and other accounts so there were over 30 charges some duplicates in which I immediately notified chime when I was released from the hospital to inform them XX/XX/XXXX they then opened 3 different disputes to include the charges as some was still pending claim # XXXX, XXXX - XXXX totaling over {$1500.00} as some charges were still pending when I reported it so they advised I would have to wait on those to clear. I attached my police report and I had also cancelled the debit card and they waited until 9 days when it was time to extend the provisional credit to advised my disputes were closed and nothing found which was a lie, and truthfully I know they did not research nor investigate as they have had a plethora of complaints and was sued for this very issue, or without investigating and penalizing the customer by closing accounts and keeping money. I did not authorized these transactions and would like my money returned to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. 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 instructions 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 which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

My account was closed by XXXX on XXXX/XXXX/16 by the bank, however, I have earned rewards of XXXX Worldpoints that are clearly visibility on the website as I type this but I am unable to redeem because the account is closed. I called XXXX on XX/XX/XXXX and they said I would receive a letter in 5 days. Today XX/XX/XXXX, I received notice that because the account is closed I could n't redeem rewards. It was not my choice to close the account, and I should be able to cash out my rewards earned. Please have XXXX send me a check in the amount of {$1000.00} which I could normal redeem these rewards for if the account is open. It is bad business by XXXX to close my account without my consent. I have been paying the account as agreed with no late payments and should be able to cash out rewards. Please have XXXX contact me at XXXX to discuss sending my rewards or legal action may be required. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my friend lent me money to go to my mother 's who lives hours away so I can help her because she recently had XXXX and she has nobody else. Well there was no possible way that I was able to get the funds off, so I sent the money back to my friend and she tried another way but it didn't work it required her to do some other things she did not have time for so she sent it back to me through this app. Now weeks before this I use this app or account with the same bank they're saying that I can't use now wants verified, I use this service and I was able to transfer money to my husband and then deposit the rest of the money into the account that I was not able to use on the XXXX of XXXX. So I did what they said I sent them the bank statements and everything they wanted and not good enough. But anyways let me backtrack again so I wasn't able to get the funds off and I needed it ASAP, and I read when I googled it what I can do to get the money off of the account was I could use a prepaid card debit card. So I tried that and everything I tried was declined. And then I tried to send money to my friend who has a debit card through this account and he was going to take it off for me then and give me the money. But that was declined and then my account became Frozen. I got an email from a girl named XXXX and she asked for documents that I sent them back in XX/XX/XXXX but anyways I sent the documents and to verify my identity, address and bank statements. I sent those on XX/XX/XXXX and I have not heard nothing back from her even though I messaged her many times, I called support I cried to them, I used to chat box, but nothing has been done yet. I can not get an email back from this XXXX girl. I've done all that was asked of me. I begged and pleaded because this is all the money I have to get to my mother 's. But no response and after calling customer support on XX/XX/XXXX I tried calling again the next day but got a message saying number was disconnected. This company which is Venmo wouldn't accept or let me use my bank account I was able to use weeks ago or anything I tried from the beginning with this money. I was supposed to be at my mom 's Sunday morning and because of Venmo she's been alone.
Product: Credit reporting or other personal consumer reports

Hello, This is in regards to XXXX XXXX for an account for an auto loan. The account has since then been paid in full. After careful review, the account holder appears to be reporting an inaccuracy in payment history for XX/XX/2017. The payment was paid in full for the entire life of the loan. We called in to address the issue, the person we spoke with claimed to have the data and was happy to send it via mail but never sent anything to us. We later called back 6 weeks in XXXX and XXXX. The person on the phone told us since the account is closed, there is nothing they can do and they're unable to update the payment history. I asked to speak to someone else and or a XXXX, I was then advised a manager would personally call me back. No one ever contacted me. I believe this information to be inaccurate and is affecting my credit score. Please update the payment history to all 100 % payment history showing all on time payments. The account has since then been closed and has been paid in full. There is no reason to show a late payment any longer.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts were used without my permission. It affects my credit file and finances. I am a victim of Identity Theft. I demand to remove the following accounts from my credit report!. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX/XXXX XXXX located at XXXX XXXX XXXX. in XXXX, TX XXXX, regarding an unauthorized hard credit inquiry that was performed on XX/XX/XXXX. I asked the company to immediately investigate the unauthorized inquiry and to remove it within 15 days once the investigation supported that I was not the party applying for an auto loan. On XX/XX/XXXX, an employee of XXXX XXXX called me and stated that he saw where an application was submitted on XX/XX/XXXX for someone with the same name. Upon asking him to provide me with a copy of the application that shows I completed the application and signed it, he stated that their company did not have a copy due to it was a verbal application in which another employee entered the information. After the employee argued with me for more than 3 minutes, his end sentence was that he will not submit for the inquiry to be removed due to a valid social security number was entered. After I expressed several times that I did not submit an application and requested for verification within 15 days, the employee still refused to adhere to my request. Before I submit a suit against the company I wanted to make the Bureau aware of car companies that feel that they can pull anyone 's credit without their consent. This has affected my credit score in which I've worked very card to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, was the victim of identity theft and I have fraudulent accounts showing up on my consumer report as a result of the identity theft. Please block and remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had my XXXX XXXX card for around 2 years now. I obtained because it offered zero interest and I shop a lot at this company. I have always had issues with receiving emails with my balance so I had to keep an eye on it. 
On XX/XX/10 I received a call from an unknown number, which I rarely ever answer, and it turned out to be Comenity Bank to let me know that I had missed two months of payment on my cards, which rolled over {$30.00}. I had not received any notice and was completely unaware of the issue. I went on to make the payment right away, but it bothers me that now I have such impact in my credit score for something so small. 

I had never had a late payment in the history of my accounts and this took a toll on my score. BEWARE of this company and their methods!