23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

TO : Consumer Financial Protection Bureau Please be advised that I wish to file a formal Complaint against XXXX XXXX, REMITLY AND XXXX because of their discriminatory practices, and blatantly disregards that violates the rights of others by denying me access to a public medium of their Money Transfer Services. Additionally, they have propagated and spread malicious rumors about me to other money dispensing services ( Remitly, and XXXX ) that theyre in alignment with them ; causing them to cancel my services too without any warning or allowing me any rebuttal. These Companies have capriciously and arbitrarily frozen the account that I had maintained with them for about 5 years without warning or regard to my needs or consideration. In my opinion, they did not have any clear reason of basics for the cancellation of my account ; but they have suspended my services without any notice or warning and have trampled on my rights as a citizen and human being. 

I have written to XXXX XXXX many times, but they refuse to answer my email messages. Also, they refuse to divulge the reason for their action. I have not conducted any illicit or unauthorized activities on their Portals/sites and therefore do not understand their swift actions. In addition, I tried to make a transaction for {$300.00} on XXXX XXXX and receive a message that the transaction was declined but later found out that the charge was processed by them, and they received the money from the Credit Card Company, ( their system is faulty and gives erroneous messages to customers ) and now theyre refusing to respond to my request for a refund of the money. I have found that these sites seem to operate in tandem ( in conjunction ) and accept negative information from each other without verification of any of it.

If any of these Companies have anything negative to propagate or report on me. I demand a hearing so that I can confront them and their malicious lies, and untruths.

I hereby recommend that these Companies be sanctioned or fined for their blatant disregard for their customers and the unfounded lies that they propagate against their customer base and the citizenry. Apparently, they pay people to patrol their sites, and those people fabricate lies when they can't discover anything wrong to keep their jobs? How else can they come to their conclusion ( s ) out of the blue?

I hereby demand that my account ( s ) be reinstated without delay, and my refund from XXXX be returned back to me immediately because of their unethical and unfounded reasons for cancellation and termination of my services. They have been granted a license to operate and serve the public, and I hereby demand the services that I am entitled to as a citizen of these United States of America. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX
Product: Debt collection

Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XX/XX/XXXX. In XX/XX/XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX/XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX  was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits portfolio Recovery from such practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

Hello how you doing? I am XXXX XXXX I had combined our debt from XXXX credit card company in XXXX. The amount I alone started to owe was {$18000.00}. {$9000.00} of it was mine and the other {$9000.00} was my wife 's. All that was from XXXX. Currently the National check burea bought the debt some how. Now they asking {$100000.00}. In XXXX they intercept my tax return from federal government. In XXXX they asked the Judge to allow garnishing my bank accounts. I am willing to settle the original amount we used in XXXX with a deep percentage off. They insist on getting half. Their attorney is XXXX XXXX. I do n't know about any law that allows this kind of hunting. They do not show on my credit report. My fear is they attack another bank account I own or worse make me sell something I have. My lawyers are telling me to file bankruptcy. I want this debt forgiven because of how old it is. Any way to avoid letting them have so much money is going to solve this issue. ( Help ) XXXX thank you
Product: Debt collection

I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder. 

I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX. 

I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine. 

I am trying to move on in life - but, these types of debts are holding me back. 

Thank you for your consideration to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple documentation to prove that I am a victim of identity fraud I later received A response from TransUnion that the account come back verified after I sent them my Ftc report and police report the information should have been blocked and removed from my credit report before the investigation started I have disputed multiple times with Transunion and XXXX XXXX XXXX  XXXX and XXXX has already removed the fraudulent account XXXX months ago I have submitted a new police report and a new FTC report related to the fraudulent account I have consulted with my attorney general office of the consumer protection division I also complained against TransUnion and I have consulted with my attorney TransUnion will have 30 days from the start that I send in my documentation again or I will file a federal lawsuit in their state with my attorney 's office also the account was fraudulent with a balance of {$440.00} opened XXXX XXXX 2019 I am attracting a new police report filed with my local Police Department and also a ftc report
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for quite some time now. I had some new hard inquiries show up recently on my credit report. I was able to get them removed from XXXX and XXXX, but Equifax is not removing them for me. I sent Equifax twice my FTC Identity Theft Report as well as a statement from my part, so they can understand what is happening and they are refusing to delete these XXXX inquiries. I explained to them that it is ilegal to keep false information, not authorized by me on my credit report. They seem to not care and are not removing those inquiries. They need to remove this immediately. I am attaching to this report the XXXX documents i sent them.
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 customer Financial Protection Act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected, furthermore their dispute resolution process was unfair and deceptive, as they DID NOT COMPLY with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulations E these actions have caused significant inconvenience and financial loss and damage and I seek appropriate redress for these violations
Product: Checking or savings account

Chase Bank XXXX my checking account ( after 50 years ) and they sent me 2 checks Totaling over {$11000.00} after they refused to honor my payments sent to my online payees, saying they Closed my Account XX/XX/2020 although I was not officially notified until XX/XX/2020 when I received a letter on that day. Each month I have XXXX my IRA savings bank deposit {$5200.00} in my Checking Account. The Transfer was made on XX/XX/2020. Now Chase Refuses to talk to me or to XXXX about that {$5200.00} transfer. Today is XX/XX/XXXX and I have to assume it is their intent to keep my money.
Product: Debt collection

I am requesting assistance with a collection agency out of XXXX, AL, Merchants Adjustment Services, who has refused to send me information regarding an alleged debt and has refused to mark this debt as disputed, despite multiple requests to do so. 
Towards the beginning of XXXX I started to get calls on my personal cell phone from a number my phone listed as " spam ''. As per all spam calls, I ignored them. No voicemails were left. One day I recognized the spam number as a repetitive caller, so I answered. The person on the other end had incredibly broken XXXX ( I work for a government call center. We have foreign callers often. That being said, I was STILL struggling to understand this person on the line. They sounded XXXX, which further supported my assumption this was spam ). The person on the line said something to the effect of " This is ( unintelligible ) with ( unintelligible ), trying to collect a debt of ( unintelligible ) from you. How would you like to pay today? '' I responded, " I'm sorry, WHO is this? You're with WHO? ". Again, his response was unintelligible. I truly could not tell you the caller 's name or the company he worked for- incredibly broken English. This communication effort violated Code 12 CFR 1006.34, which states that oral disclosures must be given at a volume and speed sufficient for the consumer to hear and comprehend them. A reverse phone number lookup on the website indicated the phone number was tied to Merchants Adjustment Services. However, to my knowledge, I owe no debts. I hung up the phone and blocked the spam number. 
I assumed that matter was settled. However, in XXXX of XXXX I checked my credit report and noticed a negative account. I've never had a negative account on my credit report before. " Merchants Adj Service- {$570.00} '' was the delinquent activity. I immediately wrote the company a written request for more information, as well as the specific request to classify the debt as " disputed '' by myself. I received a written response from the company a few days later, within the time frame allotted by the US Code. The written response ( attached ) was incredibly insufficient and hardly contained any of the information about the debt I requested. I specifically requested a copy of the bill I signed, because the {$570.00} procedure in question I do not even remember taking place. My second letter was received by the company via certified mail on XX/XX/2023 and as of XX/XX/2023 I have not received a response. Additionally, as of XX/XX/2023 my debt is still listed as " negative '' rather than " in dispute '', which is actively harming my credit score and affecting my purchasing abilities. This is a direct violation of Code 12 CFR 1006.38.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered some XXXX earpods on line from Best Buy and paid {$320.00} using my BestBuy credit card. When my son opened them, he said they were not XXXX  ( although they were in an XXXX case ) I took them to the Best Buy store near me to return them and get the right ones I ordered and paid for but they directed me to call XXXX I explained what occurred and was told to mail them back for a full refund. They sent me a prepaid label and they received the earpods on XX/XX/XXXX. I called to inquire about my refund several times and they would open a new case every time I called but they never refunded me my money. Spoke with XXXX on XX/XX/XXXX at XXXX ( case XXXX ) she promised the refund would show on my statement within 2 billing cycles, it did not happen..called again and spoke with XXXX on XX/XX/XXXX XXXX XXXX am ( case # XXXX ) she promised the same but did not deliver on her promise. Called on XX/XX/XXXX at XXXX pm ( case # XXXX ) spoke with XXXX, then XXXX, they escalated my case but again the refund did not happen.Then they said that because the items that I returned were not XXXX earpods, they cant make the refund so I called my credit card company. I did not receive the correct earpods, they sent mock earpods to me. I am the victim of fraud here and so I just wanted the credit card company to cover me for this transaction and refund me for the charge that XXXX is not refunding. I opened Case number XXXX on XXXX. Today I received a letter from the credit card company showing me proof of the charge and dismissing my dispute. I never said that I did not make the purchase. I made the charge but BestBuy, the store, shipped me mock items. It was either the store employees or the shipping company they used or I do not know who but I did not received what I paid for therefore I want MY MONEY BACK.. I was scammed. I want a REFUND
Product: Credit reporting or other personal consumer reports

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

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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

I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated  site.They are  going by the name  XXXX   XXXX   XXXX   XXXX   Phone:  XXXX  The attorney generals office informed me to submit a complaint here.
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, 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 an 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 or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX Kiowa Av XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : XXXX an investigation to identify and remove inaccurate information. 
Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit card

Please see my previous complaint from XX/XX/XXXX. AmEx responded to you on XX/XX/XXXX. They LIED to you ( again, the third time! ) that this Dispute was closed in my favor and that monetary relief was provided. As of today, XX/XX/XXXX, this Dispute is still " In Progress '' ( open ), and the tentative resolution date is XX/XX/XXXX! Please see the attached. How many times would you accept a lie from AmEx? 
PLEASE help!
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ally financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Ally financial XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I'm reporting these hard inquiries that aren't me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite XXXX XXXX Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.
Product: Payday loan, title loan, or personal loan

We were solicited by mail for a personal loan up to $ XXXX, with fixed bi-weekly payments over XXXX months, at an UNCONSCIONABLE INTEREST RATE OF XXXX  %. IS THIS LEGAL? Also, its not clear whether or not its a secured loan, and if so, by what. 

We did not act on it, but I want to bring your attention to this. Please scrutinize/review/audit the company and its practices for all irregularities. 
Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Which is odd too - its a XXXX near the XXXX of XXXX XXXX, not a place associated with finance. 

'All that is necessary for evil to succeed is that good men do nothing. ' XXXX XXXX
Product: Prepaid card

This company has taken double the money debit from the acct. Then u have to call and wait for rep to apply money back to ur card. There not posting Direct deposit s to the card. Took over five days to get my paycheck refunded to my payroll dept to read issue. Makes promises of quick and speedy service tht always turns into a few days wait or no nothing at all. In turn ur calling the company back to try and get the problem rectified. Wen u ask for a Supervisor they hang up on u or leave u on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical data systems keeps eeporting the same 2 accounts but changing the balances to make it look like a new report. The placed a report in XX/XX/XXXX then the same one afain in XX/XX/XXXX with a different amount as new.