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

Dear Sir or Madam of CFPBs Complaint/Dispute Department , I wish to practice my right as a customer of XXXX to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with XXXX do not have any accounts associated with XXXX but rather and got scammed by this folks who own the wallet address that addressed on the letter ( see attached ), using XXXX as only means to communication and other known wallet addreses. Commencing on or around XXXX XXXX XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX using the domain XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. It should be noted that the Company is a client of yours, the owner of wallets : The scammers were committing financial crimes, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX and XXXX wallet utilizing and transferred to XXXX. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I contacted KIA regarding a need for a delay in payment due to COVID. They granted me a forbearance but they reported me late 30 days late in XXXX of 2020 which negatively impacted my scores.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

Zelle cancel my posibility to send or recive money me and my husband. I ask in to the XXXX  XXXX XXXX there is my account and no one can explain to me why they did these to me. Also one time buying online i lost {$500.00} in these case with XXXX XXXX  account and i never can recover these money back. My Direct concern is direct with zelle
Product: Money transfer, virtual currency, or money service

I am contacting you this time to get back the balance in my account ( {$840.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account! 
My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.
Product: Debt collection

CAINE & WEINER Reported : XXXX XXXXXXXX XXXX Opened : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account status : Open Type : Derogatory Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXX Name : XXXX XXXX Creditor Information : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed the debt and I'm not knowledgeable enough to know exactly how to go through this process. I really need help please.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I filed an complaint with the XXXX No. XXXX  and No. XXXX against Target Card Services for an account credit that had NOT been applied to my charge card account as promised and because my account had been frozen by them on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX and a letter on XX/XX/XXXX from XXXX of Target Card Services stating that on XX/XX/XXXX ( {$28.00} ) and XX/XX/XXXX ( {$39.00} ), two late fee charges were credited back to my Target Card Services account but they did NOT. Target Card Services applied the two late fees charges of {$28.00} and {$39.00} on XX/XX/XXXX to my monthly minimum payment amount due and to my total account balance due. But my Target Card Services account was frozen by them on or before XX/XX/XXXX, so how did my total account balance due increase if I can not use the charge card. Target Card Services committed FRAUD and are trying to SCAM a consumer and one of their Target REDcard account holders. As of today XX/XX/XXXX Target Card Services still has Not applied the XX/XX/XXXX {$28.00} credit to my charge card account or reversed on XX/XX/XXXX the {$39.00} late fee added because Target Card Services did NOT apply the credit promised by XX/XX/XXXX the bill payment due date. Since XX/XX/XXXX every month Target Card Services has been adding late fees and addition interest charges to my charge card account when I paid in full my portion of the amount due to my account by XX/XX/XXXX Every month I pay the minimum amount due to my charge card account established with billing cycle XX/XX/XXXX. And if I am ever late paying that amount I always include a late payment fee with it. Target Card Services FRAUD, ILLEGAL ACTIONS, and SCAM are ruining my credit report history, and for NO REASON. It is fraud, illegal, and a scam for any credit card company like Target to add account credits promised consumers to their monthly minimum payment amount due and the consumers total account balance due, when the consumer has NOT used the charge card account. I would like Target Card Services to fix my account immediately and apologize for their retaliatory behavior towards me, a consumer and Target REDcard account holder.
Product: Credit card or prepaid card

Transaction XXXX/XXXX/XXXX posting XXXX/XXXX/XXXX Fraudulent charge on statement of {$210.00} from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Called and was told charge would be reversed. 
Transaction XXXX posting XXXX Charge removed. 
Letter dated XXXX/XXXX/XXXX stating claim researched and credit given. 
XXXX/XXXX/XXXX - Seven T-Shirts received in mail with no invoice and Return address of Purchase T-Shirt, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
I did not order this and I can not find this company on internet and also can not find web address as shown on statement.
Letter dated XXXX/XXXX/XXXX stating we benefited directly and are responsible for balance. 
On XXXX I notified Bank of America that I  disagreed with this and they said they would reopen case. 
Letter dated XXXX/XXXX/XXXX stating unable to assist and decision not changed. 
XXXX/XXXX/XXXX I called Bank of America and spoke to XXXX to once again dispute investigator 's  findings. She told me the investigator would call me within a few days. 
XXXX/XXXX/XXXX I called and spoke to XXXX who gave me direct line to Claims Dept as I have not received a call from investigator. 
I then spoke to XXXX in Delaware office who told me my case had been reactivated and that it could take 2 billing cycles which would end XXXX/XXXX/XXXX. I offered to file fraud report with local Police Dept but she said that would not be necessary. I was told I would get to speak with investigator and participate in investigation. 
received Letter dated XXXX/XXXX/XXXX - identical to letter dated XXXX/XXXX/XXXX. 
Transaction XXXX posting XXXX Charge was put back on stating we benefited directly. 
I did not order these these t-shirts. These shirts are of no benefit to me and I will gladly send them to Bank of America so they can enjoy the benefit they think I got. I have never heard of this company. I have offered to file fraud report with local police depart. I am willing to take a polygraph test to prove I did not order these shirts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, XXXX
Product: Credit card

I opened a checking and credit card account for my new business. 
BECU ( the bank ) sent my checking card to my " mail address '' and for some reason ignored that address for my credit card and sent it to my business address which isn't monitored by me ( using an agent ). 

After receiving the checking card I think nothing and just wait for the credit card. I forget about it after a 2 months and fast forward now, I get a call saying someone used it and I have to pay the fraud charges. BECU was supposed to investigate but they haven't responded and aren't accepting the responsibility of making a mistake and mailing my credit card to my non-mailing-address. I asked them why they decided to mail to the business address instead of the mailing, they were stumped but STILL wouldn't accept responsibility. 

They're asking me to pay the fraudulent charges I never did.
Product: Checking or savings account

I received disputes credit and my XXXX XXXXXXXX XXXX and PayPal is withholding my funds causing me to get kicked out of my home
Product: Checking or savings account

IhaveanaccountwithCitizensBankandhavehadthisaccountfor5+years.Ihadahousefireafewmonthsago,andmyhouseiscurrentlyunderrepairssoicanmovebackin.Whentheinsuranceclaimwasdisburseditwassenttomymortgagecompanythengetsreleasedinportionsaddressedtomeandmycontractor.AllhasbeenfineuntilnowwithCitizensBank.IwenttothebranchwiththecheckandthetellertoldmetoendorsethecheckFORDEPOSITONLY.ifollowedherdirectionanddepositedthecheckintheATMsothaticouldgetacopyofthecheckonmyreceipt.thenextdaythecheckwasnotclearedandaholdwasplacedonthefunds.Icalledcustomerservicenumeroustimesandnoonecouldgivemeaclearanswerastowhythiswashappeningtome,nottomentionTHISWASTHE2NDCHECKdepositedforthisinsuranceclaim.Thenireceivedalettersayingtheywouldholdthefundsfor45days!icalledagaintodayandwastoldthattheywillnotbeclearingthefundsduetoendorsementissues!theywillnotreturnmychecktomeandIcannothavemyfunds!HowcanabanknotcashmycheckandWILLNOTGIVEMYCHECKBACKTOME?Nowi'm2weeksoutwithoutthefunds.Ihadtocallthemortgagecompanystoppaymentonthecheckandre-releaseanotheronetome!
thishasbeentheworstinconvenienceever!ThecontractorsstoppedworkingonmyhomeatthispointbecausetheycanNOTGETPAID!ihavetomoveoutofmytemporaryhousingattheendofthemonthandIcan'tevengetmyhousecompletedtomovebackin,duetoCITIZENSBANK!MyfamilyandIwillnowbeXXXX!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Chase Home Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called Chase and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX that is listed on my credit report and the account is not mine as it is fraudulent. The account says XXXX XXXX and Ive had XXXX  phone service since XX/XX/2022 ENHANCED RECOVERY CO L XXXX ( XXXX XXXX XXXX ) {$1100.00}
Product: Debt collection

Several times we were contacted by number ( XXXX ) XXXX and finally on XXXX XXXX 2017 my wife answered. They disclosed information about a debt owed. She informed them that payment arrangements were already made. I then contacted the collection agency also informed them that the call was being recorded from my end as well. XXXX took the call and insisted that I owed a debt. I informed her that payment arrangements were already made ; she stated that we had missed a payment and for me to prove that a payment was made. She stated that we owed {$2700.00} and asked how I would like to pay for it. We do not owe {$2700.00} ; we owe only {$2600.00}. I have never received a written notice from this company ; additionally XXXX failed to inform me that I had a right to dispute the debt, furthermore she indicated that they just received the account on XXXX XXXX 2017.  On my credit report the name of a collection agency is XXXX XXXX XXXX ; XXXX informed me that her companies name was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. Even though we have payment arrangements made with XXXX this company still insists that we owe the money to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I reached out to Capital One for assistance under their COVID program as I was having an issue paying my bills. After agreeing to their program and MAKING PAYMENTS each month, Capital One have reported me as seriously delinquent to the credit reporting bureaus which is harming my ability to obtain credit and buy a home. They are stating that I was late in excess of 90 days which is simply not true. I have challenged this multiple times and Capital one simply will not take action to remedy. I have 3 accounts with them and the same issue is consistent.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit card or prepaid card

Someone used my name and social security number to open a Capital One Credit Card.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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: Debt collection

mrs associates is trying to collect debt from XXXX of Account info {$640.00}. I have been sentenced to XXXX XXXX XXXX XXXX   and can not pay. I want to negotiate and pay b before XXXX  XXXX XXXX XXXX for {$200.00}.
Product: Debt collection

Ive been debted over {$500.00} dollars for an medical bill in XXXX, where I never lived! Theres no records of me living there either this is identity theft in its purest form!
Product: Credit card or prepaid card

I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.
Product: Debt collection

Compliance Department Acima XXXX XXXX XXXX Draper, UT XXXX Re : Response to Complaint ID : XXXX - Lease No : XXXX Dear Sir/Madam, I am writing in response to your communication regarding the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX, concerning a lease agreement with Acima referenced by Lease XXXX : XXXX. 

Upon reviewing your response to XXXX XXXX 's complaint, I would like to express my disagreement with the current status of the lease agreement and the associated reporting on my credit report. Despite your thorough explanation of the lease agreement and the reported delinquency, I continue to assert that I have no knowledge of entering into any agreement with Acima or acquiring any property from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) on XX/XX/2019. 

Given the lack of recognition of this lease agreement and the absence of any contractual obligations on my part, I respectfully request that Acima discharge or dismiss the account associated with Lease No : XXXX. The presence of this disputed account on my credit report for over XXXX years has significantly impacted my financial standing and creditworthiness. 

While I understand Acima 's position regarding its reporting practices and authorization procedures, I maintain that I did not authorize any such transactions or agreements with your company. Therefore, I urge Acima to reconsider its stance and take appropriate action to remove this disputed account from my credit report. 

I appreciate your attention to this matter and request prompt resolution to ensure the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the XXXX XXXX as a SCAM!! for the XXXXwo or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to technical issues on the companies end, the payment history on my credit report was reported 30 days late for the month of XX/XX/XXXX. I have contacted the company, XXXX XXXX XXXX, several times via emailXXXX  ticketing, and requested my payment history be updated. The most recent request was XX/XX/XXXX - I was advised the following : " Thanks for your patience while I looked into this for you. 
I've submitted a request to our credit team to correct our reports to reflect that payment was made on time. It was processed. 
Our credit team will update your report as soon as possible. However, please know that updates to your credit report may not reflect immediately because credit bureaus and credit monitoring platforms, like XXXX XXXX, take some time to process the updates. '' As of XX/XX/XXXX, the payment history is still reflected incorrectly. I've submitted several disputes to Experian, with provided documentation, and it has still not been corrected. Recent Disputes to Experian : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All disputes have not yielded proper results