23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/2023 my card was compromised, and I had a new one sent to me. I activated and had been using the new card. The old card was closed, but there was 2 payments that still was available to charge my card even when the card was supposed to be deactivated. So after I request for a dispute of the transaction, they came back saying that I have to pay the money back cause the dispute was not in my favor. Now how is that when the card was closed. Navy federal also said that if its a reoccurring bill that they will still let charge my old card, and I told them that that was fraud, and that I can handle my own business
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 consumer 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Product: Credit card

XX/XX/24 there was a fraudulent charge using my Best Buy/Citibank credit card on XXXX for {$740.00}. Had numerous conversations with Best Buy. One of them even told me I had to go to the physical store to deal with it, which I did. They looked at me like I was crazy. 

I sent a copy of my XXXX order history showing it wasn't ordered by me. Also sent info that my daughter was getting married XX/XX/24 so I wasn't shopping for yard furniture the day before. I live on the XXXX floor and don't have a yard so there's that. 

Best Buy sent a report supposedly showing the entire shipment from XXXX to my place saying they have 'documented proof of delivery ' but it wasn't delivered and when I ask for copies of this proof there is no response. 

Research shows that this is a huge issue with Citibank/Best Buy. The AG in New York has sued Citi over it. They tell you the charge has been removed pending investigation. Then the charge reappears and you are told the case is closed and you are responsible for the charge and they won't respond to calls or letters. 

Unless you pay, they will ruin your credit with no recourse. Have filed a police report and CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is being false and deceptive. They removed an account from my report then reinserted the account without my consent. I did not authorize them to furnish this account XXXX XXXXXXXX XXXX XXXXXXXX on my report.
Product: Debt collection

on my credit report with two different name one is syndicated office systems and the other one is central financial control same account information.
Product: Student loan

I have a student loan with XXXX XXXX XXXX XXXX for around 38,000. I  heard that Premier Student Loan Center could reduce my loan. I spoke with XXXX XXXX and she assured me she could reduce my payment to XXXX. I gave her all my information. Then I spoke the XXXX XXXX and they said this was a scam. I called XXXX back to cancel and have not heard from her. I have cancel my credit cards but I am worried that this Premier Student Loan Center company has my information. How do I proceed?
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX credit report.Transworld Systems.
Product: Checking or savings account

My information was compromised a while back and every since then i have had trouble opening bank account and getting denials
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company has chosen to close this account. They have erroneously placed charges onto a card. They continue stating payment is due when they have failed to communicate. However, they erroneously closed the account outside of the realm of the equal credit opportunity act. This account was never past due, did not have inactivity, and no default whatsoever. My account was paid on time each month. Capital One chose to close the account, and they have chosen to forfeit payment because they closed the account. They need to stop billing me for an account they closed and for violation of the equal credit opportunity act.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by thujes party and not original furnisher XXXX XXXX XXXX inccorect name of company XXXX XXXX XXXX XXXXXXXX different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information
Product: Bank account or service

I was given a Visa debit card as a XXXX gift by my employees. When I attempted to use the card I learned that it had a zero balance. Following a little more investigation I learned that several transactions had been made using the card number and had exhausted the cash value. I called XXXX at XXXX but could not talk to a person. I left my phone number with a request for a phone call I received nothing. A few days later I called again but was still unable to speak with anyone so I faxed all the information to XXXX at XXXX on XXXX XXXX, 2017. I was assigned XXXX case numbers XXXX and XXXX via a letter sent to me on XXXX XXXX, 2017. Yesterday a representative called my home phone and left a message stating that I needed to start the whole process over. I called again today and waited on the phone line for 30 minutes just hoping that I would get to talk with a real person. No luck. Please help me.
Product: Credit reporting or other personal consumer reports

My information was in a data breach please remove all inacurries listed on this FTC report
Product: Debt collection

Repeatedly receiving phone calls regarding this debt and unable to verify the debt with this creditor.
Product: Credit reporting, credit repair services, 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a text from XXXX stating a charge had been made that I needed to verify. I did not make the charge and they proceeded to tell me they needed to get all my information to put the money back in my account. They got my banking information and withdrew XXXX. Out of my account. The name was XXXX XXXX and the phone number is XXXX. I am closing my account but concerned about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score was XXXX. On XX/XX/XXXX, TransUnion reported I had a collections account open, and my score dropped to XXXX. The amount balance was {$340.00} and the original creditor was XXXX XXXX XXXX XXXX, and the collections account was owned by XXXX XXXX XXXX. I immediately paid off the balance and closed the account, and on XX/XX/XXXX TransUnion reported the account as closed and my credit score went up to XXXX. XXXX week later on XX/XX/XXXX, this account still showed as paid off, and XXXX also showed it was paid off. On XX/XX/XXXX, my TransUnion score dropped once again to XXXX, and the same account that I had just paid off was back on my credit report and read as open. I filed a dispute with TransUnion through XXXX XXXX, and it was investigated and returned with no change to my score or incorrect information. I filed a second dispute through XXXX XXXX, and it returned on XX/XX/XXXX with no change. On XX/XX/XXXX, worried it was a mistake on behalf of the creditor, I contacted XXXX XXXX XXXX directly at ( XXXX ) XXXX and was informed that I was correct, the account was closed and they reported it as such to both XXXX and TransUnion. I filed a THIRD dispute with TransUnion, which I am told is still processing. On XX/XX/XXXX, I called TransUnion directly at ( XXXX ) XXXX. The XXXX barely spoke XXXX and told me to wait for Transunion to review my dispute. I informed her that I had already disputed the item XXXX with no results and insisted on speaking to her supervisor. Her supervisor told me that disputing the information was not worth my time, and I should stop calling them and instead pay off the account. I informed him that XXXX was reporting my account as closed and that I had called the creditor directly and received confirmation it was closed and reported as closed. He disagreed and said that the creditor was at fault and was reporting to TransUnion an open account - the same one that TransUnion reported as closed on XX/XX/XXXX, then reopened on the XXXX. He refused to refer me higher or to help me any further. On XX/XX/XXXX, following TransUnion 's inability to be of any assistance, I called XXXX XXXX XXXX for the second time regarding the account to make sure the account was both closed and reported as such. They confirmed both cases and informed me that they were experiencing many other complaints regarding TransUnion 's poor credit reporting. Also on XX/XX/XXXX, XXXX processed and mailed me a paper receipt of my account information, which I now have a physical copy of, that shows the account is closed. TransUnion has been completely useless and unwilling to fix their mistakes, so I am now reporting them in the hopes that they will be held accountable.
Product: Student loan

After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. 
I contacted Sallie Mae Several times this year, to make sure I was in deferment and no issues. I used deferment to make sureXX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX   and everything would be fine, I would just have my XXXX in-school payments to make. On MondayXX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called Sallie mae and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. 
XX/XX/XXXX XXXX ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. 
XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. 
I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job!
Product: Credit card

I received an email from Synchrony/CareCredit notifying me that if I do not sign up for paperless billing I will be charged {$1.00} a month. While I am all for paperless transactions, I find this policy unfair and discriminatory. I have a computer, cell phone and Wifi. Others ( disabled, impoverished or elderly ) may not have those things and so would not be able to go paperless and thus would be penalized for that. I find this practice unfair and discriminatory.
Product: Credit reporting or other personal consumer reports

XXXX Missing Credit File Information Today, I attempted to file an online dispute with XXXX regarding a cyber scam incident negatively impacting my credit. However, when I logged into my XXXX account, all my banking and credit card information was missing. Since I could not complete the dispute online, I contacted XXXX via telephone to complete the dispute, but they could not retrieve my information. I spoke to an agent at an XXXX call center in XXXX, and they were insulting and unprofessional. The call ended without a resolution. 

XXXX and PayPal XXXX XXXX  I am writing to bring to your attention a distressing situation in which I was the victim of a cyber scam, often referred to as a " XXXX '' scam, that has resulted in significant financial and emotional distress for me. XXXX and PayPal view them as legitimate transactions when they are not. I filed a police report and reports with the Colorado AG 's XXXX, the FTC, and the FBI 's IC3 unit. 

On XX/XX/year>, an individual posing as a Good Samaritan approached me online and offered to assist me with my credit card charges in exchange for my participation in a " pay it forward '' act of kindness. Believing in their goodwill, I agreed and subsequently transferred funds to a supposed needy individual, only to later realize that it was a fraudulent scheme. 

Despite my good faith efforts to resolve the situation and dispute the charges with XXXX and PayPal, both institutions have refused to acknowledge the fraudulent nature of the transactions and have insisted that the charges are legitimate. As a result, my XXXX card now shows a negative balance of {$2400.00}. 

Moreover, when the scammer realized that their deceit was uncovered, they escalated the situation by threatening me with physical harm, which exacerbated my sense of vulnerability and fear. 

I am seeking your intervention in this matter to help rectify the situation. The details of the scam are as follows : Date of Incident : XX/XX/year> Amount Lost : {$1800.00} ( Current negative balance - {$2400.00} ) Methods Used : Online communication via XXXX Threats Received : Threats of physical harm upon the scammer 's discovery I urge the CFPB to take this matter seriously, assist in holding the responsible parties accountable, provide guidance on how I may recover my losses, and ensure that these charges are not deemed legitimate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX in the state of Florida. 

It has come to my attention that XXXX XXXX XXXX XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter XXXX Part VI and RULE XXXX, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last XXXX years XX/XX/year>. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX XXXX XXXX XXXX ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX XXXX XXXX XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX XXXX XXXX XXXX in the state of Florida. If XXXX XXXX XXXX XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

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

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XX/XX/XXXX {$0.00} XX/XX/XXXXXXXX XXXX  {$0.00} XXXXXXXX XXXX {$25000.00} XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/ {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported as delinquent on XX/XX/16 even though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.
Product: Debt collection

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA
Product: Bank account or service

The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. 
I am owed {$60.00} for fees charged incorrectly.
Product: Credit reporting or other personal consumer reports

Hello, I just received an alert that an inquiry from XXXX XXXX was made on my consumer report. XX/XX/2024. 
I AM NOT LIANLE FOR THIS DO NOT GRANT CREDIT. Please delete immediately
Product: Credit card or prepaid card

I had reached out to Home Depot multiple times to have my account paid in full, within the 24 month period. I had made atleast 4 phone calls stating for the account to be paid in full. The last call I made for a payment was in XX/XX/2018, Home Depot never processed my payment and now I have charged me almost double amount owed. The amount that was suppose to be paid in full was {$5200.00} but now they have charged {$4400.00} in intrest. I feel scammed.

Every single conversation I was told that they would be taking a full payment and then they continue to just take the minimum amount.

Home Depot has told me they have no records of my calls and then told me they cant pull the recording. I keep getting different stories every time I talk to someone.

I understand they make their money in intrest but right is right, and wrong is wrong.

The full amount was to be drafted out of my account before the intrest was applied and Home Depot didnt process my payment and charged me {$4400.00} in intrest instead.
Product: Checking or savings account

Between XXXX and XXXX, without action on our part or notice from them, bank of the west converted our free checking account to a fee based one, and this month started charging us a service fee.