23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX my father XXXX XXXX and I filed a case against Citibank and you did not properly investigate. Case # XXXX. I was in contact with the FTC and I was advised to call back to speak with an arbitrator which you do not have. The also stated you should be able to provide to me what proof Citibank provided to prove that I called in and changed the extraction date of the payment. Also how did you reach your conclusion? And what proof did they produce to you. This case needs to be opened again Citibank breached our contract. I make the payments for my father and we are both Veterans of the XXXX. Please let me know when the case has been reopened. I will wait to hear from your agency. I now have proof from my statement copies. My bankXXXX XXXX
Product: Debt collection

Company mailed letter asking for me to settle debt. I am on XXXX benefits from the VA and social security. Also letters have been mailed to me via incorrect address, therefore involving a third party.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer services and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effectively 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

I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal limited my account without saying the reasons behind their action and waited for 180 days for me to withdraw my remaining balance. But they seize it.
Product: Credit card or prepaid card

Goldman Sachs is violating my consumer rights under GLBA and FCRA. ( Please see attached notice )
Product: Credit card or prepaid card

I closed 2 credit cards at chase Bank. I asked then the amount, witch they gave me. I walk across the street to my new bank, XXXX XXXX XXXX XXXX, and they gave me 2 cashier checks for the exact amount chase told me I owed them so I could close the credit card accounts. They took the checks and said my accounts would be credited, and closed. A year later I got letter from collection agency telling me that I owed XXXX for one card, and XXXX for another card. From chase. I called and said I don't bank with chase. They said I had 2 credit card with them that were maxed out and they haven't received any payments. I said because I closed both those accounts over a year ago. The didn't want to hear it, so I called chase, I tried to get someone to discuss with. They didn't want to hear anything I hade to say. Just that it's in collection, it's to late to talk to chase
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you must delete any inaccurate accounts from my credit history. Please verify the documents as some accounts have wrong details, such as amounts and dates.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}
Product: Student loan

This is in regards to the 10-year loan forgiveness for those in low-paying service jobs, such as social workers. I am alarmed to see in the news that only 1 % of those holding this type of loan are granted loan forgiveness at the end of 10 years, in spite of working in a non-profit and faithfully paying on the loan. Also, when calling with questions, you get conflicting information depending on the agent. Also, when an agent suggested combining two loans into one, there was nothing said that three years of work in a non-profit didn't count because combining the loans reset the clock and the 10 year period started again at year one. Now instead of 10 years the requirement is 13. 

This is an egregious breaking of a contract taken in faith with the government. What is the CFPB doing to correct this situation and will it come to the aid of all those being turned down?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crediting Act XXXX Account Name : XXXX XXXX XXXX  XXXX Account # XXXX, 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent lawsuit from the Consumer Financial Protection Bureau ( CFPB ) that highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle have inadequately investigated my claims. I have been informed that recovering lost funds is impossible and that tracking these transactions is unfeasible. 

The findings from the CFPB indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus XXXX XXXX  equifax by phone numerous times last month in XXXX XXXX XXXX XXXX XXXX XXXX and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights
Product: Debt collection

Reference # # XXXX Said to owe {$4700.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting XXXXXXXX Credit Reporting XXXX  Credit Report All these agencies have negative/inaccurate information on my reports. 
Addresses where I have never lived. 
Names I have never had. 
Inaccurate information or old information that has never been removed. 
Transunion says not enough information to generate a credit score. Which negatively impacts my lack of score. 
None of them report the same information and you can not get the changes made to the reports. This has interfered with my ability to finance a home and purchase vehicles in my name. 
Also the score the banks get and the score the consumers are all different so what are consumers to base their information from. This entire credit reporting system needs to be over hauled. 
This is causing consumers too much money or denial of financing due to inaccurate reports of the XXXX major companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  XXXX, NY XXXX New Collection XXXX  XXXX *** Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$530.00} Late/Open XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : 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

XXXX and Experian responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if XXXX  should be shut down. They are extremely shady and dishonest. 

Experian refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE with the fair credit Reporting act First progress, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX DEPT OF ED, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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

The name of the company is Sequium Asset Solution. I called the company, paid for the past due bill of {$290.00}, and asked for a letter of deletion and the representative informed me that they would mail me one. I call back and ask 3 times for a letter that the bill was paid in full, and went ahead and paid for the bill in full but never received a letter. This company reported it as a collection owing {$0.00} but it stills impacts my score 35 % and I know that companies can discriminate according to zip codes. This is the only derogatory account on my credit report and for an account that is paid in full, so why wouldn't I think that this is a discriminatory act on behalf of XXXX and Sequuium. The account was opened in XX/XX/2020 and paid in XX/XX/2020, and there has not been an update and it is now XXXX XXXX.The name of the company is Sequium Asset Solution-XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX and phone number is XXXX. The original creditor is XXXX. XXXX representative has informed me to contact Sequium. 

Please Help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign any agreement on. Also being reported numerous time on my credit report. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices.
Product: Debt collection

Every day, this company calls me at least 3-4 times a day. It started as two calls and then went up to three calls a day and now they sometimes call me as many as 5 times a day, all usually made before XXXX. Sometimes they call from the same number, other times they call similar numbers ; for example, one number they call me from often is ( XXXX ) XXXX and another they often use is ( XXXX ) XXXX. They 've also used ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX as far as I know. On XX/XX/XXXX, I received a two calls from Transworld Systems Inc. I answered the second call at XXXX XXXX. They informed me of who they were and I requested for them to not call me. The following day, on XX/XX/XXXX, I received another call from them, but this time the number was blocked. I asked who it was, they said they were a debt collector from Transworld Systems Inc, I immediately hung up. I answered another one of their calls on XX/XX/XXXX at XXXX XXXX from phone number ( XXXX ) XXXX, asked them what they were calling in regards to. They told me they were a debt collector from Transworld Systems Inc. I told them to stop calling me. On XX/XX/XXXX at XXXX XXXX they called again from another phone number. I asked who they were and they told me they were a debt collector. When I asked what company they were collecting for, they hung up. The following day, XX/XX/XXXX, they called from the same number ( ( XXXX ) XXXX ) 4 times before I answered their call at XXXX XXXX. I asked them, again, what company they were with. They told me XXXX XXXX XXXX. I told them once again to stop harassing me and hung up. They have woken me up on numerous occasions and several times within the same morning due to the number of times they call. It has gotten to the point where I now keep my phone on silent, which has resulted in me missing very important phone calls ; two of which were job opportunities. 

I can send screenshots of the call logs if needed. I can also provide further details for specific calls.
Product: Checking or savings account

A charge of XXXX was charged to my account for services never received. I reached out to the company wo made the charge and they refused to work with me to resolve the issue. I went to my bank and they advised that it will take until XX/XX/2023, to resolve. IN THE MEANTIME, a temporary provisional credit will be provided in 10 days. It is now day 13 I reached out to the bank. They advised me that my dispute does not qualify for a provisional credit because it is XXXX. I advised them that money was removed without me receiving services and I am entitled to dispute transaction. Again, they refused to provide me with the provisional credit, AND told me tha they recategorized my dispute which now makes it ineligible for a provisional credit.
Product: Credit card or prepaid card

Wells Fargo Wise Visa Platinum Card is taking advantage of double dipping with interest rates on cash advances along with cash advance fees as well as interest on purchases. XX/XX/2018 is when I began noticing all the fees and interest rates adding up and my credit card balance not going down. I have tried understanding what they base their charges on when contacting them, but not being a banker or stockbroker, I have no clue what an Average Daily Balance is or what an Annual Percentage Rate does. If they would just roll one fee or one interest rate into what I owe, I could see the progress with my credit card balance going down instead of not changing after I make a payment which doesn't even seem to touch the principal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : last XXXX XXXX Date of 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 a auto loan account account opened at XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX and a collections account opened at XXXX XXXX on XXXX a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened with the same debtor. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well followed such as XXXX  XXXX, XXXX XXXX as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 card

On XXXX XXXX, XXXX - My credit card was charged {$6100.00} in fraudulent purchases at XXXX ( approximately XXXX fraud charges ). I immediately notified the credit card company ; the card was closed and I was told a fraud affidavit would be forthcoming. It took n additional follow up calls and weeks later for me to receive the fraud affidavit. I have since executed XXXX affidavits and sent them to Macy 's XXXX XXXX fraud department on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have made numerous calls to the Macy 's XXXX XXXX for status of the fraud claim, to date no one has been able to provide me with a status. Meanwhile, I am being reported as delinquent to the credit reporting agencies. Please note Macy 's XXXX XXXX billing statement states, " We can not try to collect the amount in question or report you as delinquent on that amount. '' They are clearly breaching the credit agreement by reporting me as delinquent. My last attempt for status was today, XXXX/XXXX/XXXX - no one was able to provide me with a status of my fraud claim. Nor are they able to stop the delinquent reporting to the credit agency.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Product: Debt collection

XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. 

BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.