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

OnXX/XX/XXXX, I purchased a queen bed and boxspring set for {$430.00} with my CashApp Cash Card at a local business. The bed was supposed to be delivered on XX/XX/. It was not delivered and I gave it through the weekend before attempting to contact the merchant. 
On XX/XX/XXXX I attempted to contact the merchant only to discover that he had closed his business and disappeared, leaving no contact information. 

I immediately contacted CashApp and disputed the transaction and reported it as fraud. CashApp denied my dispute saying that no error or fraud had been committed. 

I have since filed an additional 5 disputes in the same transaction, all with the same result of being denied. I did request the documentation that CashApp used to determine the dispute decision but all that CashApp provided to me is a copy of the transaction details... Which is not helpful at all as it lists no reasoning as to why it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. I have included copies of my credit report showing the inaccuracies that I need updated and removed from my credit report need updated to paid as agreed. I was never 30 days late XX/XX/XXXXXXXX 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 {$6800.00} Open XX/XX/XXXX there are many other inaccuracies showing with this account. Please update to paid agreed never late. Also remove any un account related inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

Rush card has not been letting me access my money since XXXX XXXX, 2015. My direct deposits have been delayed and I am unable to reach anyone from customer service. I am unable to get to work or get my children to school. Once again for the 2nd week I am unable to access my money.
Product: Debt collection

Convergent Outsourcing and XXXX are both accounts that were opened fraudulently under my name. I did not open nor authorize anyone to open these accounts. I have completed a fraud ID Affidavit packet, please see attached. Delete these fraudulent account immediately as they are preventing me from achieving my credit goals. I have tried disputing directly with Convergent Outsourcing and XXXX already but they have not resolved the issue. I also provided proof of identification, please see attached.
Product: Debt collection

The creditor has the date the account opened wrong. I began owing a balance in XX/XX/XXXX, they have it starting in XX/XX/XXXX, then it states that it was first reported on XX/XX/XXXX. These dates are not accurate. I think this is an attempt to prolong the debt on my credit report. On XX/XX/XXXX I observed additional information not provided from this debtor on my credit report such as last reviewed and last time it was active. A week letter on XX/XX/XXXX I sent a certified letter to XXXX to request that information be added and debt information updated. On XX/XX/XXXX I received letter back from XXXX, with no changes or updates were made to the debt in question. On XX/XX/XXXX I ran a credit report again, which indeed confirmed no information had been changed or updated. 

Below I have attached my supporting documents.
Product: Credit reporting or other personal consumer reports

Discover Bank reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Discover failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against discover in the small courts claim where I have all proof to show discover is breaking FCRA laws. I have been with discover since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Checking or savings account

I was informed that an account was fraudulently opened with Chime Bank on XX/XX/2021, using my personal information, after receiving a card in the mail. I immediately contacted Chime Bank to report the identity theft and was advised they would 'escalate the case ' and I would get a call within 24 hours. I did not get a call. I called again to inquire about the status of the identity theft case, and I was advised 'the case was not set up properly '. I was again advised I would get a call within 24 hours. I never received any response. 
I then mailed a fraud packet to Chime Bank to formally report the identity theft again. This packet included a 609e letter ( a request for records ), a fraud affidavit issued by the Federal Trade Commission, my police report information, a copy of my government issued ID, proof of my Social Security Number and proof of my address. The fraud packet was delivered to their office by USPS Certified Mail on XX/XX/21. 
In my letter to Chime Bank, I requested the account be closed as fraud, or to have my SSN removed from the account so I am not liable for the account or balance. I also asked the appropriate reporting agencies to be notified of any correction to the account associated with my personal identifying information. Lastly, I requested a letter, or email, be sent to me outlining the results of this dispute at the completion of the investigation. Chime Bank still has not closed the account nor have they responded to any of my requests to date. 
I expect Chime Bank to address the identity theft issue and to close the account as fraud/identity theft. I would like my information flagged so it can not be used again in the future, and I would like a confirmation letter acknowledging the above requests be sent to me for my records.
Product: Checking or savings account

Hello, I applied for a Truist Checking Account in XX/XX/XXXX. I was targeted for a promotion for {$300.00} usd for new customer. I followed all instructions, setup my direct deposit and everything. I never got my {$300.00} deposited in my account? I am very upset with this. Very misleading promotion. Promo code applied : XXXX
Product: Credit reporting

Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I also want to complain about not being notified within five days of reporting to the credit bureaus and that the collection agency was going to report to the credit bureaus
Product: Mortgage

XX/XX/2021 I sold my condo XXXX XXXX XXXX # XXXX, XXXX, MA XXXX. At the closing, my attorney held {$1000.00} in escrow until filing of documents at XXXX XXXX XXXX of Deeds. Unfortunately, the XXXX on the title to XXXX XXXX XXXX # XXXX, XXXX was filed XXXX ( both sides ) as : Recorded land = Book and page XXXX also Registered Land = Document Number XXXX. 
My LoanCare account XXXX. 
I have called weekly since XX/XX/2021 to explain this situation and ask that it be corrected to INCLUDE document number XXXX. I have sent several emails to XXXX and when I receive a response, it is ALWAYS Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from XXXX, XXXX A.M.- XXXX P.M. Eastern time. We will provide you a response as quickly as possible. 
Sincerely, XXXX XXXX Department XXXX ID XXXX The latest letter I received in the mail was dated XX/XX/2021, stated We have performed the following action on your account : We have received and acknowledged your Recorded Satisfaction Document Once again, they have NOT done what is required of them. Now, my attorney XXXX, who has also written to Loancare with specific instructions to discharge the mortgage has not heard from them. The buyer of XXXX XXXX XXXX # XXXX XXXX has threatened to sue if this title is not cleared. I have spoken with the title company : XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Ext : XXXX Email : XXXX. She told me she can not clear the title until LoanCare specifically sites the documents number XXXX. 

Everything I have explained here, is what I have repeatedly said to whomever answers the phone. I have asked to speak with supervisors and the answer is you claim is being excalated. 

Any help is most appreciated.
Product: Payday loan

Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money .. 
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did
Product: Credit reporting or other personal consumer reports

The Following Inquiries have been added to My XXXX Consumer Report in the Month of XXXX for which the Consumer Has Absolutely No Knowledge. All of the Hard Inquires listed below presume to be from Fraudulent counts of Identity Theft ( see Police Report ) and go against FCRA 's Consumer Rights Provisions! 

XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX : XXXX XXXX XXXX + Banks XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX  Banks XXXX XXXX : XXXXXXXX XXXX XXXX XXXX Finance/Personal XXXX XXXXXXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Banks XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal XXXX Inquiry : XXXX XXXXXXXX XXXX + Credit Unions and Finance Companies Other XXXX XXXX Finance Companies HXXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions and Finance Companies Other XXXX XXXX Finance Companies XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions and Finance Companies Other XXXX XXXX Finance Companies XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX
Product: Debt collection

I have a a unverified account from SOURCE RECEIVABLES MANAG #  XXXX . I had previously disputed this account. I have never done business with SOURCE RECEIVABLES  MANAG.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOURCE RECEIVABLES MANAG Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that   SOURCE RECEIVABLES MANAG Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Checking or savings account

I have been banking with  BB & T for a number of years. I was recently charged over {$200.00} for overdraft fee 's because the bank continues to clear charges when there is not enough money in my account to cover the new charge instead of declining my attempted charge. BB & T charges {$35.00} per over draft and some of these recent charges were on purchases of less the {$10.00 }. They have never suggested a solution! I feel this is very unfair - the bank should decline my purchase instead of paying it if there is not enough cash in my account to cover. They will not refund their charges they are very uncaring, its just the way it is. If I carried large daily cash balances would they treat me like an untouchable, "  XXXX  No ''! It appears to be a wonderful source of free money to them. I would pay less of in penalties using a loan shark. I have been charged {$35.00} on an overdraft of {$2.00}. There should be a percentage limit or dollar amount based on the amount of the overdraft.
Product: Debt collection

I have received several phone calls about a debt that I owe to Macy 's. 
They call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening.
Product: Payday loan, title loan, personal loan, or advance loan

First horizon began calling me in XXXX, I got a missed call from unknown number so I didnt answer. Voicemail said it was underwriting department and I was missing documents to fund a loan. I thought ok, maybe mistake. I havent applied, inquired, or anything. A week later I got another call. I again didnt answer, voicemail again says underwriting is missing documents for loan. Now Im panicking Im a victim of identity theft, I havent applied for loan. I call back to see whats going on. The guy tells me It was marketing calling are you interested in a loan I said no, this said it was underwriting needing documents Im worried my information was stolen can you check, he said it was just marketing. I said I dont want a loan and he hung up on me. I called back and the individual said same thing and tried to sell me a loan I said no, and thats not what the message says and he said ok I can remove you. However, thats very deceptive.
Product: Checking or savings account

In XXXX someone opened an account at Bank of the West using my personal information. I did not open this account. I have had no knowledge of this account. I did not give anyone permission to use my personal information. The amount owing on this account is XXXX My Personal information was used to open a credit card account with XXXX XXXX in XXXX. The amount owing on that account is XXXX My personal information was used to obtain cable television service through XXXX XXXX in XXXX. The amount owing on that account is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX SYS Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : 1944 XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeatedly receiving harassing phone calls from XXXX XXXX at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX  XXXX XXXX XXXX , received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the Affidavit, XXXX had 21 days to respond with a completed notarized Debt Disclosure Statement. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All 3 Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$3700.00} Date of Account : XX/XX/2021 I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA