23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a billing dispute with American Express for XXXX fraudulent charges on my American Express Charge cards. The dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX, the second dispute was American Express Dispute # XXXX for {$2000.00} against the merchant XXXX. XXXX committed fraud against me for over {$12000.00}. I submitted documentation and evidence that XXXX had committed Fraud, and breached the contract that I had entered into with them. XXXX had failed to deliver on the products promised. American Express failed to give me reasoning as to why they would not dispute the charges with XXXX
Product: Credit card

{$5900.00} check from Citibank to pay off balances ... ... .after paying the minimum payments plus ... ... .the payoff to avoid intrest {$5900.00} I paid {$3700.00} and {$2200.00} after making payments for a year they made all kinds of money here ... ... ..fraud alert
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of 850 each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
Product: Student loan

I have contacted the Pennsylvania Higher Education Assistance Agency ( DBA XXXX ), 4 separate times about waiving my in-school deferment for my Grad Plus loan and direct consolidation loan in order to make qualifying payments toward the Public Service Loan Forgiveness program. 

Each of the times, I've gotten a different answer. All of these answers allege that there is a " required form '' for waiving the in-school deferment. One of the answers claimed that the form would be provided in my electronic inbox with XXXX within 24 hours. Another claims that XXXX policy prohibits providing this form except for by mail. No such form has been provided to me by any means. 

In one of my contact attempts, I sent a secure message requesting that my eligible loans be taken out of in-school deferment. Clearly not having read the message at all, XXXX instead canceled my direct debit registration and took no action on my deferment. 

XXXX continues to refuse to take my XXXX  plus loan and direct consolidation loan out of in-school deferment. This action violates federal law, since the decision to accept an in-school deferment is solely mine. Additionally, it constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), especially since this alleged form is not a U.S. Department of Education requirement - my other federal student loan servicer did not require such a form.
Product: Credit reporting or other personal consumer reports

This is a follow-up regarding my recent complaint dated XX/XX/XXXX. I am submitting a complaint today to inform you that I was a victim of erroneous reporting. I have re-attached my identity theft report, and per FCRA section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the incorrect personal information, accounts, and inquiries that have been posted to my report. Here is the list of items that were opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$5300.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$5500.00} XXXX XXXX Balance XXXX : {$5300.00} XXXX  XXXX Balance Owed XXXX {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file that the consumer identifies as resulting from identity theft within 4 business days of receipt.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. Adding account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   ( Attorney 's Firm  : Schrier, Tolin & Wagman l ocated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However,  XXXX  has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX   County  and the case still opens. In addition,  XXXX  has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.
Product: Credit reporting, credit repair services, 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. 
XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  XXXX  # XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX, Account : # XXXX, has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XX/XX/XXXX 11. XXXX  XXXX  XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX  XXXX XXXX  XXXX  XXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquired on XX/XX/2020 2020
Product: Debt collection

A woman named XXXX from this company called my employer and revealed she was a debt collector and embarrassed me in front of all my colleagues in addition to putting my job at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies had no authorization from me to furnish these inquires and In accordance with the Fair Credit Reporting act XXXX the following companies has violated my rights. 
XXXX & XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
EVERTHING HAS TO BE REPORTED 100 % ACCURATE, AND ITS NOT.
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 anXXXX address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXXSeveral hard inquires on my credit report not authorized by me nor did I every request XXXX XXXX XXXX XXXXXX/XX/XXXX I have several requests for these to be removed and they are still listed on all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on my report
Product: Checking or savings account

I have a checking account with Santander Bank and I get monthly social security deposits into my checking account. I am supposed to get them the XXXX Wednesday of every month. I have noticed that the payments have been coming later and later into my account and it appears they should be coming on or about XXXXXXXX XXXX. Some of my friends who use other Banks even get the funds deposited several days earlier. I was very upset because when I went to check my account at XXXXXXXX XXXX  this morning, the funds were not in there and I even called the automated system and they still weren't listed as being in my account. This is unacceptable as it is now XXXXXXXX XXXX and the funds have just gone into my account. Why is it taking so long for them to deposit my social security monies into my checking account? This is unacceptable and I do not think it is legitimate for the bank to be so late in putting my SS deposits in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX run a criminal background check on me providing the wrong information reference number XXXX.
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. Account name XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 seven 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 reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Here 's a list of unauthorized Inquiries from EQUIFAX that I want deleted immediately : 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
Product: Credit reporting or other personal consumer reports

Credit inquiries on my report that I don't recognize. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Debt collection

I began tenancy at the XXXX XXXX  XXXX on XX/XX/XXXX. They quoted me one price and when I arrived to move in changed the price by over {$60.00} which I could not afford but did not have anywhere to go with my things loaded on the moving truck. I paid a prorated the month of XXXX as shown on my payment register. I also paid a security deposit of {$99.00} as shown as well. They discounted rent the first full month of XXXX. I paid rent and utilities every month. Rent amount was {$1800.00} and utilities varied each month. I gave 60 days notice in XX/XX/XXXX. They slipped a statement under my door indicating the amount I would owe in the month of XX/XX/XXXX when I was vacating. I paid the amount stated which was prorated plus utilities to ensure I was clear. A few days after my departure they sent me a notice indicating that I owed them {$470.00}. They confiscated my {$99.00} security deposit and placed the rest on my credit report. I contested because I gave timely notice, and they provided me with a statement of the amount that I would owe and I paid it. I departed on XXXX XXXX, XXXX. The apartment was left in good condition as was received. I tried to contact the Regional Manager who refused to fix the problem or accept responsibility for her unprofessional staff. I later took them to court. They could not provide any documentation but I could but the judge sided with them because they had an attorney. I have the documentation attached. All efforts have been made to clear this wrongful charge so I am asking CFPB for your assistance to get removed from my credit file. I
Product: Credit card or prepaid card

I opened a Walmart credit card sometime XXXX using my EIN so I could set up business credit card. Capital One took over the accounts and flagged my card as fraudulent. They requested I submit a copy of drivers license, social security card and current utility bill from my residence. I also sent a copy of the EIN issued by the IRS. In my XXXX statement I noticed some charges I did not make and requested that they be removed. Capital One stated that the charges could not be removed until I submit a copy of my drivers license, social security cad, and current utilty bill. I explained I already submitted those documents and out of frustration didnt respond. My plan was just wait until I had the balance paid down then deal with the issue again and have the account closed. The account is now a little over {$100.00} and once the fraud charges are removed they will owe me money. I have once again attempted to close this account. I have submitted countless documents, written letters and they still wont close it or removed the charges in question. Case # XXXX account ending in XXXX
Product: Debt collection

Good afternoon, I received a debt collection notice from an agency called Executive Credit Management , Inc. in XXXX, NJ. I was originally contacted and received a voicemail from a XXXX XXXX on XX/XX/XXXX in reference to a debt owed by a XXXX XXXX. I returned the call and left a voicemail back letting the individual know that the person in question is not me, and that the name XXXX XXXX is a married name from 16 years ago. I instructed them to stop contacting me. I received voicemail messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from ( XXXX ) XXXX asking for additional information and that they want to help me. I received a notice of debt owed by mail to my address today, XX/XX/XXXX threatening to further pursue the debt. I have checked my credit report and the debt does not show, however I will be reporting this to the credit agency as well. 

I do not know if this organization is legitimate or not, but I need assistance in stopping the harassment. If this organization is legitimate, they have the wrong contact information and I have no knowledge of the debt or the person they are trying to find. I am concerned about their legitimacy because they keep asking for documents and additional information on the voicemails to prove I am not the person for which they are looking. 

Please let me know what I need to do additionally to protect myself. Thank you for your assistance and attention to this matter.