23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I found a seller on the XXXX XXXX  who wanted to sell the photography equipment listed below. And after back and forth negotiation, I ordered a XXXX A XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX for the total sum of XXXX XXXX, XXXX XXXX and XXXX dollars ( {$3900.00}. XXXX ). We both agreed to use XXXX for secured payment. I made the payment via three cards because my credit card has a limit of XXXX XXXX dollars {$2000.00}. Consequently, I made payment in {$1800.00}, {$850.00}, and {$1300.00}, respectively. The seller claimed the item would be shipped in XXXX different boxes. The first box was delivered on the XXXX of XXXX. When I got the box in my mail and opened the flat tiny box, it was only a notepad that was in it. The second box was delivered on the XXXX of XXXX with a damaged box sticker from USPS, and when I opened it, it was a bigger notepad and printing paper to mimic the weight of the equipment. I tried to reach out to the seller immediately via XXXX and realized I had been blocked from the XXXX marketplace. Till today I am not able to reach the seller via XXXX XXXX except through XXXX. 
So immediately, I logged into my XXXX to file a dispute on all the payments. 
I officially filled the dispute with XXXX and Goldman Sachs, the credit card provider. 
XXXX sent me a request to have a police report that I did and submit a complaint online to the Internet Crime Complaint Center. After submitting the reports, XXXX issued a refund for XXXX and XXXX dollars but refused to make a refund for the {$1800.00}, stating that " I already filled a dispute with the credit card provider which is Goldman Sachs. 

After ninety days, I got feedback from Goldman Sachs that the dispute was in favor of XXXX. So I reached out to them on the XXXX of XXXX, demanding to speak to a supervisor who told me that XXXX XXXX skipped a process to resolve the matter. He then asked me to submit evidence which includes the police reports, screenshots from XXXX that show I was refunded XXXX and XXXX dollars, respectively. And the dispute will take another ninety days. 

On the XXXX of XXXX, I got another email that the dispute filled was resolved, and it is in favor of XXXX. So, I called Goldman Sachs and demanded to speak to another supervisor ; she apologized and promised to escalate the matter and that someone from a certain department will call me within ten days. 

I waited till the XXXX of XXXX but did not receive any call. So, I called XXXX XXXX again to ask what the update was and if the evidence submitted helped in any way. The supervisor stated she is escalating again. I got the XXXX dollars on my card, but to my surprise, today, the XXXX of XXXX, the money paid to the card was reversed. So I called XXXX XXXX to ask what the problem was, but the supervisor does not have any tangible response.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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

From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX XXXX XXXX XXXX  and all account statement for the alleged account that I have with XXXX XXXX They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXX XXXX XXXX XXXX XXXX XXXX has opened up a court case in XXXX XXXX court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting-accurately. I had XXXX late payments on an account that i was in fact paid on time.The consumer reporting agencies have conflicting information and need to report all information with complete accuracy.this account has not been late on payments i've attached a copy of my report to this complaint. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Checking or savings account

Time : Early - Mid  XXXX  Problem : I Was Being Restricted From Withdrawing Funds Via ATM. Upon Request Why, The Bank Representative Said It Was Due To Change Of PIN. I Never Changed My PIN. Someone On The Inside Was Restricting Me From Withdrawing For Reasons Yet Unknown. This Was The  Second Time. The First Time They Claim It Was Due To The ATM Card. The Card Was Still Fairly S till New. I Found It Odd Due To The Fact That I Was Able To Make Purchases With It Before The Issue. So  I Closed My Ac counts.   Someone On The Inside Was Selling My Info. I Ca n't Prove It, But My Gut Is Strong On This Feeling. Forensic Science Can Reveal The Veracity Behind My Claims.   Fast Forward To  XXXX . The Same Institution Has Purchased The Brokerage Firm I Have An Account With.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The companies are XXXX XXXX and XXXX XXXX XXXX. 
Ive already told them I will pay the rest of the debt, but they are trying to get me to pay an amount of debt that I already paid. 
They are trying to threaten me to double pay, and they have already threatened to seize property that I dont even have in my name. 
They already took me thru a Civil summons which I responded to and I keep responding to them. I have agreed to make payment amount, I could even understand if they needed to add a smaller amount of {$500.00} or less to the balance, but that is not enough for them. They are misrepresenting what is still owed, I have documented proof that I only owe so much left. 
I also found online in regards to LoanMe : LoanMe personal loans may have a low barrier to entry as well as a simple application process and fast funding, but the risks involved are high. The triple-digit interest rates are borderline predatory and can create a serious financial drain. This debt started at {$2500.00} back in 2021, they are claiming I owe {$2200.00} ignoring the fraudulent and predatory interest rate. Although, {$1400.00} was paid from XX/XX/year> to XX/XX/year> with only {$220.00} going to the principalthere is documented proof as part of the civil summons. That means only {$1000.00} is actually left to be paid. I will not allow myself to be doubly prayed on, and Im only willing to pay the {$1000.00} as is my right in the state of Kentucky. 
There are also multiple complaints online about both XXXX XXXX and XXXX XXXX XXXX. 
I will be contacting the Ohio XXXX XXXX XXXX. I also have an attorney now, and I will be finding out if they will help me work out a settlement or I will be countersuing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.
Product: Debt collection

I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand XXXX well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.
Product: Debt collection

The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, and I am writing to request information regarding a debt from XXXX XXXX XXXX. There is a debt of nearly {$6000.00} listed in my name that is not accurate. This debt does not belong to me, and I would like to have it removed from the credit bureau immediately. 

I did not sign a contract with XXXX XXXX XXXX. According to the credit report, the debt is from XXXX to XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts and inquiries that have been reported on my credit file. As a victim of identity theft resulting from a data breach, I request the immediate blocking and deletion of all accounts and inquiries listed below, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX  XXXX  charged my Citibank credit card, this credit card had a different number that I never shared with XXXX  XXXX. 

XXXX XXXX refuses to cancel the membership even tho theres not even a XXXX XXXX on our state and they never let me know they were gon na reinstate charges.
Product: Checking or savings account

I have an account with Juno Finance that has money in it that I can not access. It has been more than XXXX weeks at this point with no way for me to get the money that I have in the account out.
Product: Credit card or prepaid card

The billing due date is the XXXX XXXX of every month. I opened this credit card XX/XX/2017. Timely payment is made each month via my auto bill pay service the 2nd business day of each month. The minimum payment due is {$78.00} per month and the payment submitted is {$500.00}. This company has charged me a late fee of {$38.00} per month even though payments are consistently received the first week of every month. This billing cycle system is a scam to charge customers invalid late fees. 
Upon several emails via their secure on-line messaging service on the website, I was able to recover 1 late fee, with an offer to adjust my billing due date to the XXXX of each month. Which, I accepted and was then charged yet another late fee. 
This company is profiting off of unsuspecting customers by fraudulent billing practices.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. 
I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$710.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code 1681 A paragraph 2 Titled exclusions sub Chapter A9 transactions are not included in the consumer report. A late payment even through its a negative payment is a form of transactional history. Therefore it is a form of transaction. So late payments reported to your consumer report violates this law of Fair Credit Reporting Act. 
XXXX XXXX accounts reporting XXXX XXXX Account XXXX XXXX account reporting Experians XXXX accounts reporting which in turns violates 15 U.S Code 1681 A paragraph 2 Titled
Product: Debt collection

i had identity theft and incorrect debt on my cards. it was exacerbated by covid pandemic. experian as not been helpful throughout this and i wax a victim of identity theft years ago and they never flagged it for me
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

They have contacted my Mom at XXXX several times. Mom is XXXX years old. She refers all strange calls to me her son. They then called me at XXXX. I have told them twice to never call Mom again and to put me on the do not call list. 

The number they call me from is is XXXX - FIRE all of them and show me evidence they are gone!
Product: Debt collection

AMSHER COLLECTION SERV Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I contact the company and did not get what I was requesting. On XXXX, this company requested a payment of {$2100.00} and to my knowledge I've never signed any contracts with this organization for them the request payment from me. I would like to validate this debt. This debt is affecting my ability to utilize my right to attain new financial products and it is also violating my right to financial privacy.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Student loan

On XX/XX/2019, they called at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I finally answered at XXXX XXXX. They were calling because my loan payment of {$XXXX} is  late by 9 days. My loan payment was due on XX/XX/19 and they are already calling me this frequently, including on the weekends. This is typical daily call frequency if the loan becomes more than 2 days late
Product: Credit card or prepaid card

First of all, None of your general descriptions meet my true issue. My Direct Express XXXX ( Comerica Bank ) was hacked for approx XXXX on XX/XX/XXXX and possibly XXXX, 2022. I have filed disputes that they send ticket numbers for but say forms were not received and now I am told that I will not get the provisional credit because paperwork not received ( I sent several times via fax XXXX ) and email provided on forms ... The dept of welfare and Medicaid sent money to my account by the time I knew it was there It was taken from Direct Express card by companies I have no knowledge of ... XXXX plus at 1 company and over XXXX at another plus residual money 's totaling approx amount mentioned, I didn't order or receive merchandise and my card is always in my possession. Please contact if more info is needed. Card company dispute dept is not helping at all. They say they are backed up but then how can you say paperwork wasn't submitted in timely fashion, my initial correspondence was via their dispute dept fax # please assist if possible here as I'm not sure how I can get my money back and no one says how they investigate as looking at my history they should get clues that I didn't hack my own acct. Please help or refer ... XXXX XXXXXXXX XXXX ( Dispute # XXXX ) card last XXXX : XXXX. Social last XXXX : XXXX
Product: Debt collection

My identity was found on the dark web by someone who lives at XXXX XXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. All of my information including ss #, address, phone number, birth date, etc. 

I was just served paperwork from local magistrate from XXXX XXXX, XXXX, and that I owe over {$1000.00}. I don't have any accounts with this company. 

PLEASE HELP!!!!! I have reported this with the FTC, in XXXX {$2000.00} was taken from my checking account through XXXX XXXX XXXX and Experian is reporting debt I do not owe, and when challenged, they added smut to my report, refusing to acknowledge the report to FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Experian that I had an unpaid account with XXXX. I never opened a credit card with XXXX and I disputed the claim. Experian notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with XXXX.