23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield has contacted me several times about a fraudulent debt being reported by a leasing company. I called to dispute several times and provided a paper trail of conversations directly with the leasing company that shows they agreed that I do not owe them any money. They are attempting to charge me rent for the entire month of XX/XX/2022 even though I did not live there and communicated to them that I was no longer living in the unit. This company has been very unprofessional in their validation of the debt with the clear information I provided that shows the company said my balance was clear. Attached you will find pictures of the conversation directly with the leasing department invalidating the charge they are pursuing. This is a case of a company not being true to their word and attempting to take advantage of an individual without properly communicating with them.
Product: Credit card or prepaid card

I purchased a flight via Chase Travel in XXXX of 2023. The airline canceled the flight XXXX hours prior to departure. I had to pay twice as much to rebook thru a different airline to ensure my hotel and other travel arrangements were not compromised. The airline has informed me that the funds have been returned and the card has has not refunded, I was told it would take XXXX billing cycles to be refunded by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on XXXX XXXX and I reached out to AMEX about it, to get the issue resolved. AMEX is reporting late payments on my report. I have tried to fix this issue with no luck at all. I was oversees and had no access to a phone or anything. I am wanting AMEX to remove the late payments from XXXX XXXX  XX/XX/2021.
Product: Student loan

On XX/XX/2022 my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there.
Product: Debt collection

CBE XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX IA XXXX has repeatedly called me before XXXX XXXX on XXXX, XXXX, XXXX and XXXX of XXXX i was called just shortly after XXXX on these days as i live in Washington state on XXXX XXXX
Product: Vehicle loan or lease

I refinanced my vehicle with Hyundai Finance. However, whenever I make my monthly payments in time, they do not withdraw that money on time either. They claim that it takes XXXX business days for funds to be withdrawn from my bank. However, I can prove that they do not take XXXX business days to pull their payment from my bank account. They take longer. As a result of their negligence other bills are pulled from my bank account, which have caused their payment to not go through. Today XX/XX/year>, I tried to make payment online, but I couldn't. Hyundai Finance has subsequently blocked me from making online payments. This has resulted in me paying Hyundai Finance an additional {$5.00} to make payment by phone. I can't afford to pay an additional {$5.00}. I am being penalized for Hyundai Finance 's failures
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against US Bank for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

US Bank did not provide any answers. It is more than 60 days. 

US Bank even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

US Bank is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.
Product: Debt collection

I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as Winn Law Group continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX of Winn Law Group was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the Winn Law Group directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''
Product: Money transfer, virtual currency, or money service

I signed up for an account at crypto.com on XX/XX/23. I transferred $ XXXX into bitcoin on XX/XX/23 and tried to pay a wallet, but was refused to make the payment. After several attempts to communicate with customer service, they would never tell me why I was unable to make a payment. On XX/XX/23, I transferred the remaining back out {$23000.00} and sent the money back to my bank account. Since XX/XX/23, I have been trying to close my account. They keep telling me via email, they are " working on my request ''. After telling them multiple times to close my account, this was their response on XX/XX/23 : " Please be informed that such matters do require time in order for a resolution to be provided. The matter is with the relevant team and once we have an update, I will be back to inform you. '' I filed a complaint with the XXXX  on XX/XX/23 with no response from the company. On XX/XX/23 another email received from crypto.com stating, " The relevant team will soon be in touch to assist you. '' There is absolutely nothing to do except close the account. I believe they are wasting time to try and charge me a fee for inactivity. I want to be rid of this company and just want my account closed. They have multiple complaints with the XXXX  and have an " F '' rating. Had I known this, I never would has signed up for an account. Please help me close this account.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I signed up for a Citi Best Buy credit card with promotional terms 10 % off first purchase XXXX XXXX XXXX XXXX  I purchased with credit card using signup link on first purchase, first day, meeting all terms. Best Buy Support has confirmed this : " Thank you for the details, XXXX. I have checked and see that your purchase is eligible for 10 % cash reward points. And you have received XXXX reward points for your purchase, and it will be posted on your account by XX/XX/year> so that you can be able to use the points for your further purchases. Apart from this Is there anything else I can help you with? '' The 10 % bonus was not granted, instead it was XXXX points which is ordinary points for the card ( 5 % of {$700.00} ). An attempt was made over the phone to remediate with no success.
Product: Credit card or prepaid card

I applied XX/XX/2018 through XXXX XXXX to acquire an American Express ( AMEX ) credit card. There are several false and highly misleading aspects of this process : 1 ) The number they have issued to me over the internet is not a credit card number according to the AMEX help center at XXXX. 
2 ) The AMEX web site states a credit limit of {$2000.00} which is fine ; what they did not disclose is that it can only be used for XXXX, not any other seller. This is a critical failure to fully disclose a limitation which renders the card useless to me at this time, as I intended to use it at another online vendor. 
3 ) The AMEX site states a delivery time for the actual card to be 3-5 days ; the help line above quotes 7-10 days. This is a false statement. 
4 ) The new card help line ( XXXX ) states the new card can not be delivered within the 3 day window which would have been helpful to me, and states they can not expedite the card to overnight status within the USPS. They stated if I had requested the expedited delivery while I was applying, they could have done that. Again, failure to disclose an option during the process that was refused after the fact. 

They require a {$2000.00} charge to validate an airline miles award which must be done within 90 days. It will be interesting to see if they renege on this one also. 

If the card can be overnight delivered to me, and can be used at other vendors than XXXX, my problem would go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

The debt collection company Harris and Harris out of Illinois was given a medical account from XXXX  XXXX XXXX XXXX in attempt to collection that debt from me. The total amount due was {$710.00}. On XX/XX/XXXX I contact Harris and Harris negotiated a settlement of this debt at a 20 % discount if I paid it over the phone with them immediately. Which I agreed to, gave them my credit card information and paid the negotiated amount of {$570.00} and was told that account with them was settled and would be closed out. 

Since the XX/XX/XXXX date I've received 3 different invoices from Harris and Harris stating my outstanding balance with them is {$140.00} ( the 20 %  discount amount ). I've called them numerous times about the outstanding balance being inaccurate, each time they confirm that the account is settled but was " not properly closed out ''. That is why I am still getting invoices. I also continue to ask about credit reporting and they said No,  this account is settled so it would not be reported. 

Fast forward now to today XX/XX/XXXX, I received an alert on my credit report stating that my first debt collection account has appeared from Harris and Harris on my report showing outstanding balance of the {$140.00}. I again called Harris and Harris today and the assure me the account has been settled as of XX/XX/2018 but wasn't properly closed out. The same message they've been giving me since it was paid. 

I am at my wits end because I am still getting invoiced, now it is on my credit report ( which I am disputing ) but I can not get Harris and Harris to  properly handle this matter and close out my account. I've attached the invoice details, and a copy of the line item from my credit card statement showing payment on XX/XX/18. 

Details on Harris and Harris Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

Capitalone put restrictions on my account till I visit a branch and verify myself. Been to the branch 3 times for XXXX hours each time and verified all and they still refuse to release my bank balance and close my account till the investigation is complete. Meanwhile XXXX XXXX closed my account cause capitalone rejected the payment from my account. Still sitting now in the branch trying to get my account closed and my funds returned XXXX banker and still nothing. Please help. 
Went to another bank to open new account and they needed special verification as capitalone flagged my name in the banking system as fraudulent. 
Thanks!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Order of garnishment prepared by Kahrs law offices, P A Plantiff - XXXX XXXX XXXX XX/XX/2018 Garnishing wages They did not call/write/email me. 
Began garnishment out of my paychecks without giving notice. Currently taking around {$75.00} each week. A total balance of {$650.00} that I was not made aware of.
Product: Credit reporting or other personal consumer reports

Filed with CFPB agains lvnv llc they responded and said it was removed from all XXXX credit bureaus and it has not been removed they are now working under another company XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$25000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I reached out to Cash App to discuss a transaction upon verifying my identity I gave the representative my legal name which is " XXXX XXXX ''. He proceeds to ask other identifying questions which I answered. The rep then tells me my name doesn't match. So we go back and forth. He tells me to go to my laptop and login into Cash App through the web browser and download the original application, which should show me the legal name I used to open the account. I did that, it was an XXXX spreadsheet that downloaded. I located the legal name section and my name " XXXX XXXX '' was there. I tell the rep again. He puts me on hold and comes back and says he can't help me anymore and hangs up on me. This was a Friday evening so I couldn't get anyone back on the phone until Monday. But on Saturday I tried to reach out to the 24/7 online support. I told them what happened they couldn't help. So, Monday comes XX/XX/2022 I called Cash App again XXXX, you have to wait for someone to call you back. The first rep that call back did the exact same thing as the rep did on Friday but he was yelling in the phone " THERE IS NOTHING MORE I CAN DO FOR YOU '' I call back again the second rep was nicer he tried to help but kept telling me my name did not match. All I am trying to do is figure out how I can get my name situation resolve. No one can tell me who, how or why. I even asked to upload my birth certificate and driver 's license. I do not know what system they are looking at but through Cash App 's own instructions I downloaded the original application with my correct name on it and still could not get any help. This has been very frustrating, not to mention not knowing if someone is trying to hack my Cash App and getting yelled out by reps.
Product: Checking or savings account

Bank of the West My problems is that why I file Complaint that they told me they were going closed my account XX/XX/2021 play with me back and forth and addition to that who start this login stolen my login XXXX XXXX and XXXX XXXX and trashed my credit card account and been really frustrated ...... 
make it look like - {$290.00} Debit play back and forth with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old XXXX  at XXXX XXXX. Today, I wanted to check my credit score after  building up credit over time on my XXXX  credit card and wondering why my score kept going down. I learned in XXXX XXXX XXXX that TransUnion is one of the credit bureaus that offers a free annual credit report, so I went to their website to get it. I clicked " Check your credit report '' and signed up, thinking it was free. When I had to input my credit card information, I did a XXXX search because I thought that was strange. I searched " why does TransUnion ask for credit card information '' and the first result that came up was FROM TransUnion, saying " we ask for credit card information to ensure that the billing address matches the address you listed when signing up. '' There was NO mention of a product or service that I was signing up for whatsoever, and even the disclaimer was extremely unclear. While reading everything written on the page, I thought I wasn't going to be billed. Then, once I checked my crdit report, I saw a {$25.00} charge to my credit card. 

This is absolutely ridiculous. TransUnion is preying on people who don't know better than to fall for their " free '' credit report scam. They know exactly what they're doing taking people 's money, and even going to XXXX, studying XXXX, and taking a XXXX XXXX   XXXX didn't stop me from falling for this. Please hold TransUnion accountable.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had an account that reporting inaccuracy information, the 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. for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof. If proof can't be provided I demand remove these account from my report they are hurting my ability to obtain credit. thank you so much.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$130.00}
Product: Debt collection

I am writing to formally request that all communication from your office regarding the alleged debt referenced by your organization be ceased immediately. As per 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop further contact with me. 
Please consider this letter as a cease and desist directive in compliance with the law. I request that your office immediately halt any and all communications with me, including but not limited to telephone calls, letters, or any other forms of contact, unless it is to inform me of specific actions taken with respect to my account, such as a lawsuit.