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

Claim ID. # XXXX Transaction Ref. # : XXXX Name : XXXX XXXX Acc. # Visa ending XXXX My name is XXXX XXXX. I am a bank of America XXXX XXXX XXXX Card holder for the past two year or so, I have filed a dispute about the outrageous charges made by XXXX XXXX XXXX XXXX in XXXX XXXX which I noted on my Visa Credit card ending with the XXXX. The charges in Amount of {$1000.00} posted on XX/XX/XXXX by the XXXX XXXX XXXX XXXX My dispute about this outrageous charge by XXXX XXXX XXXX XXXX on my Visa Credit card is as following ; 1-The rental car reservation was made online & the Total amount of rental car fees of {$290.00}, was paid in full on XX/XX/XXXX with my Bank of America XXXX XXXX XXXX credit card, And the rental car insurance which is an obligatory requirement in XXXX was confirmed to be covered by my Bank of America Visa Credit card. No additional fees were supposed to be added later on to this charges. 

2-On XX/XX/XXXX, while backing up in the parking lot at the hotel, where I was staying, I hit a tree with the rear bumper of the car causing a 4 cm superficial scratch mark WITHOUT ANY DENTATION or DEFORMITY OF ANY SORT. A paint only scratch mark on the right side of the rear bumper. I brought the pictures of the rear bumpers scratch marks to two separate car repair shops ( Car body Shops ) in XXXX, where I received an estimation of required repairs mounting to only XXXX Euro ( Depending on exchange rate just about XXXX $ ) cost of repairs. 

I was charged on my BoA Visa credit Card, {$1000.00} for the minor superficial paint only scratch marks on the rear bumper to be outrageous, for which two estimates by two separate car body shops in the same city ( XXXX XXXX ) are just about XXXX Euros, which is less than one tenth percent of the XXXX XXXX XXXX XXXX estimation for the same repairs. 

I wrote repeatedly to the bank of America Visa credit card to dispute this outrageous charges due to : 1-Extremely high charges for a minor superficial paint damages to the rear bumper of the car 2-XXXX XXXX XXXX credit Card from Bank of America which I used to pay for this rental car, is according to the credit card agreement is responsible & should be covering the Car rental insurance for my purchase. 
But the Bank refines to address my concerns & keeps telling me that they did not find any dispute & I am responsible for this damages.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that there were inquires that I didn't not authorize. I noticed a collection that was fraudulent.
Product: Credit card or prepaid card

XX/XX/XXXX ReliaCard debit card, seemingly sent by U.S. Bank, was fraudently opened in my husband 's name. Actual card sent to to him to activate. He did not request card. We went to bank to try and find out what happened and they told us not their problem. Someone was able to issue U.S. Bank visa debit cards with U.S. bank strangely having anything to do with it. A representative of U.S.Bank took card and destroyed card. I had the face number of the credit card that he did not ask for so I tried to report card as fraud but could not complete the form because we no longer had the card with the 3 digit code on back.We were not able to fully de- activate the card. 

XX/XX/XXXX He received a state unemployment 1099-G form saying he had received unemployment money in XXXX. He did not apply for unemployment and has been retired for 5 years, and received no unemployment money. He contacted the state regarding this to tell them. He is still waiting to hear back.

In essence someone stole his Social Security number opened up a U.S. Bank Relia Card and claimed unemployment on his social security number. What can he do other than freeze his credit and report to you. Please let me know.
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Cash App ( Square , Inc. ) regarding an unresolved dispute for {$500.00}, which has now exceeded the 45-day dispute resolution timeframe stated in their policies. 
Details of the Issue : Transaction Date : XX/XX/XXXX, at XXXX XXXX  Dispute Filing Date : XX/XX/XXXX Case Number : XXXX Dispute Attempts : XXXX XXXX XXXX supplementing receipts from the vendor to support my claim. 
Attempts to Resolve the Issue : Since XX/XX/XXXX, I have called Cash App Support XXXX times, each time receiving the same response : " We are unable to provide any more information regarding your dispute at this time. As a reminder, disputes can take up to 45 days. '' On XX/XX/XXXX ( Day XXXX of the dispute process ), I contacted Cash App again, requesting to escalate the issue. The representative informed me that : XXXX. They can not provide any additional details. 
XXXX. No Cash App representatives ( not even customer support agents ) can speak directly to the research team handling disputes. 
XXXX. Managers and higher-level representatives are inaccessible and correspond only by emaileven to Cash Apps own customer service team. 
XXXX. I am simply asked to rest assured that the correct department is handling my casewithout any actual resolution or follow-up. 
Why This Complaint is Urgent : I have exhausted all possible channels to resolve this directly with Cash App. 
The 45-day dispute review period has already passed with no action taken. 
I have provided supporting documentation, including vendor receipts, yet my dispute continues to be ignored. 
Cash Apps refusal to provide meaningful customer support or escalation options leaves me with no choice but to escalate this complaint through the CFPB. 
Resolution Sought : I am requesting the CFPB to : XXXX. Investigate Cash Apps dispute resolution practices to ensure they are following fair and transparent procedures. 
XXXX. Require Cash App to provide a final resolution on my dispute immediately. 
XXXX. Ensure Cash App improves their customer service accessibility, including offering direct escalation options. 
Thank you for your attention to this matter. I appreciate your assistance in holding Cash App accountable for their lack of responsiveness and failure to resolve my legitimate dispute.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding zellle handling of disputes
Product: Checking or savings account

I have an account with Chime on XX/XX/XXXX they said someone tried to access my account and they suspended my account I have called and sent emails and they asked me to send an.email with my drivers license and me holding it I did onXX/XX/21 then I heard nothing still suspended then I called and got another email they wanted me to hold up a piece of mail and take the picture I did that onXX/XX/21 still suspended then they swnt another email wanting a picture of me holding my liscence and the last 4 of my social I did that on XX/XX/21 I had a deposit go in on XX/XX/XXXX and I have no access to my money this company has many complaints about this same issue and I have incurred late payments and return charges because of this and still have no answer and there wasn't a purchase that was attempted they just said someone tried to access my account so why not just change password and it's done but I haven't had that opportunity well actually I did on XX/XX/21 qhen I spoke to a representative and she told me I was good then later when I went to login I couldn't. I feel they might be using my identity and i.know they are using my money because I cant
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was waiting on money to be deposited from a bank account the bank confirmed that Cash App had taken the money out of the bank account but Cash App kept the money and never deposited into my Cash App account. I have tried on several occassions to work this out with Cash App customer service and they have made it very difficult. They have made me wait for calls from their supervisors on several occassions which either never occurred or in the cases that I received a return phone call, I was told that the money was deposited to my account but they can't show when it was deposited and refuse to give me an explaination as to why that is. I have had them closed the issue without it being resolved claiming that they hadn't heard from me, despite the fact that I was told by customer service to wait for a call/response from a supervisor. I have been given excuse after excuse as to why Cash App won't assist me with this issue, I have even provided Cash App with confirmation from the bank that they took the money and to date I have never received the money and Cash App customer service will hang up on me every time I have tried to call in reference to this issue, this issue has gone unresolved since XXXX.
Product: Debt collection

I have contacted Santander about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to Santander and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This bureau continues to report addresses that are not mine and uses these addresses to verify accounts that are not mine when I dispute the fraudulent accounts.
Product: Debt collection

ACCOUNT NUMBERXXXX ACCOUNT BALANCE : {$330.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

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 the debt amount of {$720.00} that your company claims I owe. After reviewing my payment records, I have identified discrepancies indicating that this amount is incorrect, as my payments have not been accurately accounted for. 

The payments I made are as follows : Payment Date : XXXX XXXX Amount Paid : {$120.00} Method of Payment : Cashiers Check Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure.

I believe that your companys actions may constitute negligent noncompliance under the FCRA. Therefore, I request the following : 1. Detailed Accounting : A comprehensive breakdown of the alleged debt, including how t
he amount was calculated.

2. Supporting Documentation : Copies of any documents that substantiate the claim that I owe this debt amount.

3. Correction of Information : Immediate rectification of any inaccurate information reported to credit bureaus regarding this disputed debt.

4. Cessation of Collection Activities : Suspension of any collection activities related to this disputed amount until the matter is resolved.

Please provide a written response to this dispute within 30 days of receiving this letter. If your investigation confirms that the debt is incorrect, I expect written confirmation of the corrected balance. If you find that the debt is valid, please provide a detailed explanation and supporting documentation. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. If you have any questions or require further documentation, please contact me directly at XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX came to the XXXX I work at and I wasn't there. The owner told him where I lived so he came there and i told him I would come talk to him. I did and we refinanced the loan. The owner of the XXXX  told me she didn't like him coming or calling her so I blocked him from her phone. Both XXXX  personal cell and business phones. I got behind on both loans again and he came back to the XXXX while we had customers and sat in the waiting area and I had a customer so I ask him to step outside. I told him not to ever come to my job again. It was embarrassing to me and the owner. He threatened to take my car even though my loan isn't thru him. I had been asking him for a year to combine both loans so I would have 1 payment instead of having late charges on both loans and refinance charges on 2 loans. He finally said they would do it. So i told him that my lawyer and i would come talk to him. He told me i didn't need my lawyer for this. And he would lower my interest rate and all kind of lies. I know a lady personally that was the manager there and when I told her this she said the rate is automatically computed in and can not be changed by anyone. ( I'm also told that when they refinance your loan they keep the difference in the early payoff amount and the actual amount. ) I ended up working the day I told him I would come in. My electric and water bills had to be paid. He came back in the XXXX a month or so later and we had several customers again so I sent him a text and told him I couldn't talk to him bc I had customers and I would be done at a certain time and would come talk to him. He told me hee want there to talk to me anyway and went to the owner and told her he would like to talk to her and his number had been blocked and that she needed to call him. And gave her a card. I ask him why he needed to talk to her and he ignored me. I told her to throw the card away she didn't need to say anything to him ... I contacted a lawyer and she told me he was violating my rights add I could sue them but I let it go. I've started working for the XXXX XXXX and now they are threatening to garnish my wages and I'm within my 90 days and cam be fired for any reason. I need them to stop harassing me. Please tell me what to do. I do have the messages from XXXX and witness to all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX these two charges were processed on a XXXXXXXX XXXX credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because XXXX XXXX  did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from XXXXXXXX XXXX notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. 

Upon receipt of the letter, I called XXXX XXXX  to pay off the card and, again, close the account. I also explained the situation, asking if XXXX XXXX could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe XXXXXXXX XXXX  does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all 3 bureaus. 

Experian just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to Experian that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because XXXX Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. 

My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of XXXXXXXX XXXX  to close my account as requested and subsequently failing to notify me that charges existed on this card.
Product: Checking or savings account

Can't asset any of my account to identity theft can't relocate my savings bonds due incorrect information in the data base system provides false information
Product: Debt collection

Credit Collection Services has been harassing me and continuously violating my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$12000.00} to be paid via check for 12 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Credit Collection Services. This has caused me mental and physical distress and insurmountable pain. The certified return receipt was received on XX/XX/XXXX at XXXX XXXX
Product: Consumer Loan

On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.