23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My dispute is with XXXX fitness in XXXX AZ. In my attempts to cancel my gym membership I was told I had to come in to the gym and speak to a XXXX who was not at the gym at all three times I went in person. I explained I had moved and it was difficult for me to keep coming in with no resolution. I received and email from the gym XXXX confirming that my account had been cancelled. I never received any further calls, emails, letters, or charges on my card which was still active. In 2021 I am notified of the collections account filed from XXXX  XXXX stating that the account had not been closed and continued to collect charges and had a past due balance. I have attached the email confirming my cancellation. I was not given any notification of a past due account that was said to be canceled already before I was sent to collections. Online reviews have also confirmed that XXXX XXXX has done this same thing to other members. Any attempt to contact me prior to file being sent to collections would have resolved the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  consumer was involved in a class action lawsuit there was a judgement passed down violated the uniform commercial code under 28 u.s.c {$1400.00} ( a ) as a result of the lawsuit any detorgation has to be removed from the credit report also for unfair treatment for violating consumers rights
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. 

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : XXXX XXXX XXXX, ACCOUNT # XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).
Product: Credit reporting or other personal consumer reports

Please check information regarding Equifax data breach. I also had identity stole before that
Product: Checking or savings account

I have been a Chase account holder for XXXX plus years. I tried to use my chase on XX/XX/XXXX and XX/XX/XXXX it was declined. I looked on the phone I saw that I had money in my account so I don't understand. I called 3 times 2 times got hang up. Then I went to one of Chase Bank branch and spoke with a manager regarding my account. I was told that Chase has suspend my account due to so type of problem with a joint account with my 30 years XXXX  since she was in college. I Don't put money in her account or take out. They can see that. Nobody can tell me what happen. I was told that in 5 to 10 days I would get a letter and my funds. XX/XX/XXXX I have NOT received anything. I don't know what my XXXX  did but I know that I don't anything and I need my money. No one will tell me what is going with my funds over a month and so later. Can someone help please. This is not right with no communication. If this was me owe them the would not like this AND MAKE ME PAY LATE FEE. I have picture of what was in my account, don't have any negative balance.
Product: Mortgage

My mortgage was transferred to a different lender, who collect my payments such principal interest, and homeowners. As soon as we got a letter from that company we decided to paid our own insurance and cancel the scrow account. That was in XXXX 2016. They has been given us the round around. First we got to proof we were paying insurance and my husband is tax exempt, which we already done that and not luck. Please help
Product: Credit reporting

Hello, I am wishing to submit a complaint against XXXX. I did not authorize a hard inquiry on my credit report and an inquiry showed up for XX/XX/XXXX. I investigated what XXXX is and it is XXXX. I have an existing credit card with them but have not used since last year, XX/XX/XXXX. What prompted me to look deeper into my credit inquiries was a significant decrease of XXXX in my credit score, which I think is attributed to this hard inquiry. Is it possible to help get this removed?
Product: Checking or savings account

On the XXXX XXXX  XXXX Holiday, I made a purchase online. Purchased was accepted ( debited pending ) and immediately cancelled by the vendor with an ( immediate credit pending ). The transaction was cancelled stating unable to verify identity. On XX/XX/XXXX, I repurchased the same exact item for the same exact dollar amount and received a confirmation and my Wells Fargo checking account reflected ( debit pending ). Immediately after the 2nd purchase my order was cancelled, for the same exact reason as the first time yet this time I do not have a credit pending. I chatted with the merchant and they provided me with a transaction code and authorization code for the pending credit. I have the transcripts of the chat. I called Wells Fargo giving them these numbers and they can not authorize a pending credit. Now XXXX auto system should have credited me as quickly as they cancelled just as they did on a Holiday day. I duplicated the 2 transaction with the same credit card, same CVV code, Same product, same amount and same device. The fact there is no auto credit this time my money is being held hostage while the product is available for others to purchase. I have school in less than 24 hours and I have no money, no laptop, and Wells said they can not call or even review the evidence or my claim to offer a provisional credit. I explained to wells escalation and claims department, I am requesting for them to protect my Visa Purchase or if they could contact the XXXX fraud dept and either 1.  Confirm my identity. 2. Secure the product, or offer me a provisional credit based on written documentation I received. Now XXXX is responsible for not insuring the auto credit each and every time their system auto cancels an order. I now have to wait 1-10 business days and I have no product or no money and each of these institutions state I have to wait for the other to provide the credit. This is the exact reason why I am taking the paralegal class! 
Although I had a transaction ID and Authorization code neither party would issue me or credit nor hold the product. Wells Fargo would not allow me to email the evidence of the transaction being cancelled or the transcripts from XXXX so my money is not available and nor is the laptop.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and I noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. Here is the item I am asking you to verify as accurate :XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX Balance {$180.00} Account Name : XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7800.00} Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$1600.00} Unauthorized inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, Equifax, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.
Product: Credit reporting or other personal consumer reports

I do not have a bankruptcy.. I was told to contact XXXX XXXX who verified I do not have a bankruptcy at all but Equifax added one to my account
Product: Mortgage

On  XXXX / XXXX /  XXXX   our current mortgage company Ditech Financial LLC violated the ACH terms and conditions we had agreed to by withdrawing  XXXX   XXXX   XXXX   XXXX    monthly mortgage payment on  XXXX / XXXX /  XXXX   INSTEAD OF  XXXX   XXXX  causing our financial bank account to overdraft and acquire a OVERDRAFT FEE of - {$30.00} on  XXXX / XXXX /  XXXX  . I immediately calle d Ditech and questione d them about this unauthorized transaction, terminated ACH service and demanded a refund of {$30.00} they asked me to provide a bank statement showing the transaction and so I did on  XXXX / XXXX /  XXXX  . And I have all receipts. On  XXXX / XXXX /  XXXX   I called  Ditech again to solve this issue I asked them to refund the {$30.00} they caused my bank to originate. The Ditech employee agreed and asked me if i wanted a check or a credit on our account i asked for a check and so she said it would be mailed to me in 15 days, after waiting and waiting I called Ditech  again and was told the same thing, but I did not received anything in the mail. As of  XXXX  this issue is still ongoing they are now refusing to refund me the - {$30.00} charge they caused my bank to charge me. Recently they even had the audacity to tell me that MY BANK PAID MY MORTGAGE ON  XXXX / XXXX /  XXXX  , my bank does not decide who and when to pay! Never heard of such thing. They took it out!
Product: Credit card or prepaid card

On XX/XX/2022, I had an abysmal experience trying to book travel via Chase XXXX Rewards. The website advertised an air itinerary for {$640.00} round trip per person. I was unable to book online, so I called for assistance. After being on the phone for 30 minutes, the agent hung up on me. I called back, and after spending another 45 minutes on the phone with a second agent, I was told that they could not sell the ticket for that fare and that I would need to pay an additional {$150.00} per person. I would like someone to contact me regarding this and to let me know how I can book the tickets at the original fare.
Product: Debt collection

I have received repeated calls from transworld systems incorporated on phone number XXXX for a debt I do not owe. The company seems to think I owe money to a hospital, however, all my debt is paid. The company keeps asking me for personal information and I refuse to give it to them as I can tell it must be a scam. They get angry with me when I will not confirm my date of birth or any other information and refuse to mail me documentation and proof of bill or debt.
Product: Credit card or prepaid card

XX/XX/2019 A credit card in my name was opened using my personal information. I do not own this card and did not request this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Several times a day, I receive calls from an Unknown number. Each time, the caller leaves a different message but provides the same phone number. Im guessing that the calls are from XXXX XXXX. I informed them several months ago that I am in the process of consolidating my debts due to health issues keeping me from working. Ive asked that they stop calling me multiple times a day. The last voicemail message received, the woman said that she was an agent and that my case was placed on her desk to take legal action against me. That if I didnt call back immediately they would be handling my affairs for me. They did not inform me of which company or an account number. Just threatened me. You could hear it in the tone of voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. XXXX XXXX XXXX has me in collections for XXXX accounts. Original XXXX reported as Speedy Cash for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Vehicle loan or lease

I am XXXX and will be XXXX XX/XX/XXXX. I have been paying this bill since XXXX and believed the bill would be paid in full in XX/XX/XXXX since I made extra payments since XXXX. I really believe they have over charged me and that I should not have a balance due of {$17000.00}. I requested a payment history from them which shows the payments started in XX/XX/XXXX. My first payment was in XXXX, so 3 years of payments have not been applied and they have some kind of payment variance which they have not explained to me yet. Please look into this matter. After research they have numerous complaints similar to my situation. Please help me.
Product: Checking or savings account

I XXXX XXXX was told to send current success BMI direct deposits to the Bank of America and they refused to give me an account of my earnings over the phone. 
This is new money they just told me transfer and stole anyway. My Goodness I want that United States XXXX XXXX to take off the XXXX and re-deliver my XXXX settlement to XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX ( Talk Directly, please leave no message )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show that inaccurate information is listed on my credit report. I dispute account and have not received and disputes results. This creditor XXXX XXXX ( Original Creditor : UNIVERSITY XXXX XXXX XXXX ) is showing on my credit report as a charge off and open dates and showing an open balance on a charged off account. Per FCRA and/or FDCPA law no credit report is to list an open balance it must show a balance of {$0.00}. below is creditor information. 

creditor : XXXX XXXX ( Original Creditor : UNIVERSITY XXXX XXXX XXXX ) Active balance showing on a charge of account : {$130.00}
Product: Vehicle loan or lease

I financed a vehicle with this company, the car was originally XXXX dollars but after financing the car was almost XXXX I paid my note for XXXX years and I still owe XXXX dollars. My engine went out on the car I contacted the company and told me there was nothing they could do for me. The company is credit appectance they wanted to continue to pay a car note after the car is not working
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was alerted that my checking account had a low balance. Upon checking the problem was a draft of {$560.00} from my PayPal account. My checking account had a balance of {$170.00} at the time. When I checked my PayPal account there was a draft created from PayPal balance account. I have never funded this account all payments come directly from my checking account. I also found an email address and another bank listed that did not belong to me, which I immediately removed. Transfers of this kind take 3-5 days to complete, so the PayPal balance did not yet show the increase of {$560.00}. I then went to my bank and tried to stop the transfer which was already complete on their end. My bank account was locked and I got a new account and debit card. After 2 days they also credited the overdraft charge back to me. It took a few trys to get a response from PayPal. By XX/XX/XXXX they had locked my account. On XX/XX/XXXX they credited the {$560.00} back to me. My account was still locked at this point, so it wasn't until XX/XX/XXXX after I was reissued a debit card by my bank that I could repay {$390.00} to PayPal. They are still requesting {$170.00} which was my bank balance. I have filed a dispute several times and they are reversing themselves and are now saying there was no fraud involved. I provided them with a bank statement from XXXX which they requested and are still reviewing. Due to my locked account I can not provide a bank statement showing the current situation.
Product: Debt collection

Health Care Debt, but the collection agency can not give details of the money owed. Transworld System Inc.TSI send me a notice of collection for XXXX XXXX XXXX but can only tell me an amount owed ( {$50.00} ). I do not fee I should just blindly pay a bill for unknown services
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against TransUnion situated in XXXX. XXXX XXXX XXXX, PA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. For yet another time, the following are fraudulent and need to be removed : XXXX XXXX XXXX, XXXX # XXXX Date Opened XX/XX/XXXX. XXXX XXXX, XXXX # XXXX Date Opened XXXX. XXXX XXXX, XXXX # XXXX. Date Opened XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX. Date Opened XXXX- XXXX Regardless of my goals to resolve this unpleasant nightmare for a number of months now, XXXX. XXXX XXXX XXXX, PA XXXX has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house, I realized that I had damages on my credit report. Accor the the 15 USC 1681 law there should not be any damages on my report its a defamation of character.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc . ) due to inadequate customer service, and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent an 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 in financial loss, and I seek appropriate redress for these violations.