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

On XXXX at XXXX XXXX. I purchased a XXXX XXXX XXXX XXXX with a balance of {$200.00} as a gift for my daughters 13th birthday ; then at XXXX XXXX. an online transaction in the amount of XXXX was charged to said card at " XXXX '' a website neither myself nor my daughter have ever heard of or would have a need to use. Upon finding this I went to the website to see what it was, had my daughter enter her email ( as it's her card ) it then came back and said no user account found ( which we knew because she didn't male the purchase ) I took a screenshot, sent an email to the retailer for suspicion of fraud and proceeded to call the customer service number on the card, except they literally couldn't provide me with any info.. Told me the card was registered to a zip code after purchase ; except immediately after my daughter and I went to thr park and she then stayed there while I went to work, not getting home until like 8 p.m. yet the card was already used before she even got home and got the opportunity to use it on herself as intended.. I was informed I had to wait for the transaction to be approved prior to filing a dispute which is ridiculous, I told them it was fraud and it should have been stopped!! So I called back this morning and initiated the dispute ; I was then told I need to wait up to 3 days to receive dispute paperwork and proceed by sending in my personal identification info, copy of reciept and card etc.. I did some research and found that this company is NOTORIOUS for this issue and having gift card funds stolen and often dispute paperwork never comes, and that it's typically a run around game till people get frustrated and just give up.. I can see that as I don't feel I was helped at ANY CAPACITY by them and now have to wait up to 90 days??? So my kid gets ripped off for her birthday gift, has to wait up to 3 months for resolution that according to reviews will likely never come!! Why is it that they're are so many reports of this EXACT SAME outcome after purchase with this company and so many unresolved disputes yet no investigation, security measures to protect consumers or any type of even attempted resolution to the situation!! I am so frustrated and angry and their customer service is a joke ; please help me resolve this an undo the theft of my childs birthday gift!!
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit help.
Product: Debt collection

This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.
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.

Dept of EdXXXX XXXX  : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # XXXX , has violated my rights. 
15 U.S.C 1681 section 602A, 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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

Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed:XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

This is my last time sending your company this letter in regards to these accounts I sent a letter XXXX  months ago, I noticed these accounts that are fraudulent are still reporting. please check your record of my past dispute letter.
Product: Checking or savings account

I deposited a check to M & T Bank in XXXX XXXX on XX/XX/year>25 at around XXXX. The check was for the amount of {$10000.00}. It was a standard business check and the providing bank was XXXX XXXX. The check was deposited in person with a cashier at the XXXX XXXX branch. I was told that the check would clear in my account within 5 business days. It is now the 5th business day and it has not cleared yet. I called customer service and also spoke with the branch manager in person. All bank representatives said the same thing - the check " should '' clear tomorrow - the 6th business day/ after the 5th business day. The branch manager informed me that M & T Bank likely has the funds already but can't release because of policies in place. I believe this is unreasonable and I believe that M & T Bank, as well as other banks that have these policies are profiting off the float of the customers ' money at the customers ' expense. This is unethical and unreasonable.
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report. The Balance is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00} The High Credit balance is incorrect. XXXX has it as {$13000.00} and Equifax has it as {$10000.00}. The Past Due amount is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.
Product: Checking or savings account

Square inc checking account is currently randomly holding my funds due to a random security check. Ive uploaded all requested documents and Im still unable access my money. I was not advised of this before depositing the money and am being offered no assistance in getting it resolved. I have had all requests to escalate denied and have had no insight as to when my funds will be available or if they can even refund the deposit. This is theft
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : 1. The accuracy of the reported balance.

2. The date of the last payment.

3. The account status.

I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 1. XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX  - Account No. : XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX  - Account No. : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX - Account XXXX. : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Has fail to remove the inaccurate address, below after providing documents. 
Inaccurate personal information : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( Never lived At Address )
Product: Credit reporting or other personal consumer reports

MY SOCIAL AND MY ID WERE STOLEN, THERE IS INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME PLEASE HELP THESE ITEMS DO NOT BELONG TO ME INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - NOT MINE NEVER HAD THIS ACCOUNT - THERES NO AGREEMENT OF ME AND XXXX  THIS IS IDENTITY THEFT - XXXX [ CRD - XXXX - NOT MINE NEVER MINE THERE IS ANOTHER PERSONS NAME ON THIS ACCOUNT PLEASE HELP THIS IS WRONG - XXXX  - XXXX - NOT MINE NEVER MINE - REMOVE THIS ALL MY INFORMATION WAS LOST - THIS IS WRONG THEFT REPORT ATTACHED
Product: Credit card or prepaid card

I would like to file a formal complaint against Discover Card due to the horrible experience I suffered through today. When I applied to Discover Card last month, I provided documentation requested on the application Discover Card sent me in the mail. Discover Card sent me a card, which I promptly activated although I have not yet used it, and Discover Card has sent me several emails including why they could not agree to the credit transfer amount I requested and another encouraging me to use the card and/or transfer a smaller amount to the card without interest for the next 15 months. 

Today I received a message on voice mail allegedly from Discover Fraud Department from a different number than what is on my card as Discover Cards number. ( The call was from XXXX XXXX XXXX wanting me to call XXXX XXXX XXXX. ) I called XXXX XXXX XXXX as shown on my card and after provide the computer with my Social Security number, zip code, credit card number and waiting several minutes on hold, I had the misfortune of reaching XXXX. She claimed that I needed to provide proof of my identity by XXXX XXXX XXXX or the Discover Card would be cancelled. I have already provided my information to Discover and while she continued to give me the run around, she refused to transfer me to her manager ( She claimed they did not have any available but they could call me back in 48 hours not acceptable customer service by any standard! ), refused to provide the name of the federal agency that regulates Discover card ( Said that was against company policy ), and refused to provide the name and contact information for Discovers President. I then asked for a copy of the policy in writing, which she also refused. After continuing to refuse any request I made and continuing to give me the run around, she finally hung up on me at about XXXX XXXX Clearly this was some type of fraudulent attempt to harass customers while rudely refusing to provide a reasonable escalation for her incompetence. 

I then searched the web for Discovers contact information ( Their website does not have any. ) and finally found a number of XXXX XXXX XXXX, which according to XXXX is not a working number. Further searching led me to XXXX XXXX XXXX, which a computer answered as Executive Offices. After selecting prompt 2 and multiple phone system transfers, my call was answered by XXXX. After looking up my account, she claimed that I was part of a review process and that she would get started on my complaint right away and that I should hear back in 5-15 business days. ( Again, this is not acceptable customer service by any reasonable standard!! ) She claimed that she did not know which federal agency regulated Discover Card, but she did finally promise to call me back as soon as she found out. ( At this point, and after being abused today by Discover Card, I have little faith that I will receive a call back. ) XXXX did provide me with what she said was her direct number of XXXX XXXX XXXX, saying that it was a small office and that anyone who answered would transfer the call to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to relative these issues with the credit reporting companies. Accounts showing closed on one date, but saying last payment in different date. Now they trying to update something from a previous complaint. FTC states wrongly use of my information is against the law. For example, a XXXX account thats states on the login account that I have until have until XXXX/XXXX/9999 to make payments, but I have late payments on credit report. Other accounts that was/have been reported incorrectly over the years. These accounts have been reported with wrong closed dates, payment statements, balances, and as well as last payment made. I have submit documents to XXXX XXXX on student loan through XXXX thats paid in full through ligation.
Product: Vehicle loan or lease

My husband and I leased a XXXX XXXX XXXX pick-up and the lease ended. I contacted Ally financial to extend the lease for 6 months and was informed that it was approved. They sent me documents and I sent them back via fax. I have the fax confirmation that the forms went through. I am being told that the did not receive the signature page however the signature page was sent back. There was an additional signature page that was signed on a double-sided legal-size letter. This was also signed however when it went through the fax, it did not pick it up on the receiving end. Ally did in fact however receive a signed and dated signature page. 

I contacted Ally two times on XX/XX/XXXX as well as today on XX/XX/XXXX. On XX/XX/XXXX, I spoke with 3 different representatives. It was extremely difficult to hear them as there were numerous people in the background. I requested a call back for a better connection and I was informed that they can not make calls out, only in. It seemed that this was a third-party handling lease issues and it did not seem as though they were in the United States due to the bad connection. 

I planned to make the payment today as it is due for the lease extension. The payments have been made on the account. They are now telling me that they closed this and I need to return the vehicle. We are not in any position to do that at this time, and this is why the extension was filed. My husband uses this vehicle for work as he is self-employed. They are trying to take away his ability to work by forcing this issue. We were already approved of the extension. We filed for the extension due to the high prices of vehicles etc. as well as the need to save up for a down payment, we are in need of the additional time to be able to return for a new lease or purchase the vehicle. Ally Bank is discriminating against us by not allowing the additional signature page to be sent over. They did in fact receive a signature page. I am trying to work with this company, and they refuse to help us. We are not behind on the payments. 
We need immediate assistance. It is not right what they are doing to us.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXXXXXX, XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Law Offices 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

XXXX XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am writing because the following inaccurate information that appears on my XXXX report is still there as of XX/XX/XXXX. My report shows late payments, I previously disputed those inaccuracies these accounts. I don't agree with the results of your investigation and was never provided processed used in determining the validity of their findings. This damaging information is hurting my good credit. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRCA requires that promptly updated all negative information that is inaccurate, incomplete, or which can not be verified, XXXX XXXX Credit Card # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX # XXXX has violated my rights. I am demand that these accounts be updated to reflect Paid As Agreed Never Late ( PAANL ).

Article 15 U.S. Code 1681 Section 602 states I have to privacy.

Article 15 U.S. Code 1681 Section 604A Section 2 states can not furnish my account without my written instruction.

Article 15 U.S. Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ), XX/XX/XXXX ( 30 Day Late ), XX/XX/XXXX ( 30 Day Late ) XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXXXXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ) Im sure you are aware I am lawfully within my consumer and civil rights to ask that the above demands under the ( FCRA ). The above derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, or not proven to regulatory federal reporting laws and standards and MUST be updated to reflect Paid As Agreed Never Late ( PAANL ). I request that you provide me proof of your investigation, a detailed description of all procedures and steps used in your process to determine complete accuracy of the information you reported. Please mail me the proof of your investigation, the detailed process used in determining the validity of the information reported, as well as, proof that you have not violated any of these U.S. Codes. If you can not provide evidence you did not violate these U.S. Codes or lacking proof of you detailed process in determining accuracy of the inaccurate information, then I demand you delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). If you did violate these U.S. Codes please delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). 

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

I would like my address and my social number on file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer services and unfair practices, which violate the customer service protection ( CFPA ). Specifically, cash app failed to take time 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 Resolution Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.