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

I had a membership with XXXX  XXXX in XXXX, CT. Because of health problems I requested cancellation of my membership by sending a certified letter per their instructions. This was to cancel as of XX/XX/2020 I received a charge against my VISA credit card for {$210.00} on XX/XX/2020 from XXXX   XXXX. Since the facility is closed I am unable to contact them. I have tried to contact Barclays VISA about the disputed charge. I faxed them and mailed them on XX/XX/2020 my dispute but have not received any acknowledgement. I have tried to call but they only accept disputed charges through fax or the mail. I have been on hold for over two hours with no one picking up. 

Please advise what I need to do to stop this charge. 
Thank you
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. 
XXXX XXXX XXXX XXXX XXXX XXXX, # 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 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 filed a complaint against XXXX about some fraudulent accounts and address on my personal credit report. XXXX would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX  at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is XXXX not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming XXXX way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.
Product: Consumer Loan

On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. 

Please indicate if your consumer protection department help. 
Thank you in advance for any assistance.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

IM A FRAUD VICTIM. I REQUESTED THAT THESE FRAUDULENT ACCOUNTS BE REMOVE, THEY SAID THAT IT WAS ONE OF 4 CHOICES, BASICLLY A GENERIC CODE TO TELL YOU THAT WE NOT TELLING YOU WHY WE AINT DOING THIS. SO THEY DID DO A REINVESTIGATION AND IT CAME BACK ACCURATE BUT ALL THE ACCOUNTS ARE NOT ONLY FRAUD BUT THE ACCOUNTS ARE OVER XXXX PERCENT INCOMPLETE.NO PAYMENT HISTORY, NO MONTHLY BILLING HISTORY, INCORRECT FIELD ALL OVER THE ENTIRE CREDIT REPORT. EXPERIAN CAME BACK AS CERTIFIED ACURATE. THE OTHER CREDIT BUREUAUS CAME BACK AS ACURRATE.I REQUESTED BEFORE AND IM REQUESTING NOW A REQUEST FOR METHOD OF VERIFICATION. HISTORY OF PAYMENT FOR THE ENTIRE TIME ACCOUNT WAS OPEN TO CLOSED. MONTHLY BILLING HISTORY FROM OPEN TO CLOSED ACCOUNT. I HAVE ATTACHMENTS. IF THEY DONT PROPERLY HANDLE THIS, I WILL GATHER ALL MY INFORMATION OF DATA THEY SENT TO ME TELLING ME FALSE NARRATIVES AND I WILL FILE AND SEEK A CIVIL SUIT AND FILE LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Sd XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. 

I have enclosed a snapshot of my credit report showing the reporting. XXXX reporting high credit as XXXX, XXXX  reporting high credit as XXXX, and Equifax reporting high credit as XXXX, you can not report different inaccurate information between credit agencies, delete per violation. Again,  XXXX  reporting credit limit as XXXX, XXXX credit limit as XXXX, and Equifax credit limit as XXXX, but each credit agencies is reporting a past due amount of XXXX, Per law, you can not report a past due balance on an derogatory account, per violation delete this account. In addition, Equifax reporting last payment as XX/XX/XXXX, but the two-year payment history states current for the months of XX/XX/XXXX & XX/XX/XXXX, which is in violation delete this account. I have enclosed a snapshot of my credit report showing the reporting.
Product: Debt collection

To Whom It May Concern, I have received your attempt of validation of the above mentioned account and have several issues to address with your claim of an attempt to collect this alleged debt that I owe this ALLEGED debt to your organization. 
First, you have not, in any means, managed to prove to me that I owe this alleged debt to your organization. Your organization has not provided me with a wet signature of mines that undoubtedly proves that I have some sort of contractual obligation to pay YOU or provide me with a complete statement of accounting as required by law of the FDCPA to be considered full and complete validation. 

Now, Secondly, your organization has not sufficiently proven that I owe this alleged debt to ( XXXX XXXX ) by providing me with a copy of a wet signature on a contract that I supposedly signed or provided me with a complete statement of accounting as required by law of the FDCPA to be considered full and complete validation. You have merely supplied me with copies of alleged bills on the account in question or the actual contract. This does not sufficiently prove that there is any legal or contractual obligation between myself, your agency or the creditor. If you are unable to provide me a copy of my wet signature on a contract, I submit to you that this debt is unverifiable your organization contacting me is a direct violation of the FDCPA. Continuing collection attempts on this account can and will be considered harassment under the FDCPA. 

I do not have any contractual obligation to pay your organization up to this point as you have failed to provide proof of what I have previously requested. A copy of an alleged bill is simply not suffice nor satisfactory proof that I have incurred this debt. 
I, again, request that your company prove to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my wet signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of the FDCPA and CEASE all collection attempts on this account.
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 was violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to rake timely and effective measurement to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore there dispute resolution process was unfair and deceptive as that did not comply with error resolution requirements under the Electronic fund Ttansfer Act ( EFTA ) and regulations E. These actions have caused significantly inconvenience and financial loss, and I seek appropriate address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX  Formerly 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 a account without my written instructions. 

This company furnished inaccurate information on my credit report. They marked my account as a charge/off cancelled debt but still updating my account as payments are being made. This is a violation. According to the IRS charge/off or closed accounts of {$600.00} or more is considered cancelled debt or forgiven. They must send me a IRS form 1099C but I still have not received one and they are still in violation of my consumer rights by furnishing inaccurate items on my report without my consent. They have been put on notice that the information is incorrect and yet they still violated my rights by updating and furnishing this on my consumer profile. TransUnion has the duty to ensure everything is accurate and if a person has reason to believe that the information is inaccurate by Law they are not allowed to place anything on the consumer report. 

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

So I've had the crypto.com app for a while now and have been using it to start learning and investing in crypto. This past week my account got shut down and they refuse to return the funds that I have put in and acquired this entire time. I have no idea why it was locked or why they are refusing to help me. I just want my money. They say they have the right to freeze anyone 's account that violates their terms of service but I haven't read a single thing in there terms that I have done for them to close me out. The worst possible time for this to happen
Product: Debt collection

My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time. 
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me. 
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person. 
I'm feeling harassed.
Product: Credit reporting or other personal consumer reports

XXXX  credit card reporting late payments when account has been closed and paid in full
Product: Credit reporting or other personal consumer reports

Upon review of my consumer credit reports, I found various public violations including balances, account statuses and unknown transactions without consent or authorization from XXXX.
Product: Money transfers

Hi, I have a PayPal account which was recently closed with {$25000.00} still in it. PayPal closed the account without prior notice and are refusing to let me withdraw these funds for 6 months. I have to pay for stock that 's already been delivered to my customers. I 've provided tracking numbers to show PayPal that the items are delivered and the consumers are happy. Despite this, they still say it 's too risky to let me have my money and they 're going to keep it. I 've raised XXXX complaints with the executive office in Paypal. They reviewed the case and said they 'd not be releasing the money. I 've spoken to at least XXXX representatives who all say the same thing after reading the notes left on the account by previous employees. They 'll not give me a clear answer on the reason it was closed. They only say it 's " risk management ''. If I want more information, they said I 'd need to subpoena it. I have to pay for stock with money I do n't have. Their actions are putting me under massive financial struggle, as I 've no way to pay off the credit cards which had to be used. Over the next 6 months, they 'll directly benefit from ceasing my money, as they can reinvest it and earn interest. I 've had to close my store and cease trading as I ca n't buy any more stock.
Product: Debt collection

XXXX XXXX XXXX has shut down and left me without completing my treatment.
Product: Mortgage

I am waiting for a settlement to pay my Mortgage off but the Mortgage Servicer continues to harass me by calling every Tues and Thurs no matter what calling on 2 different phones even after they talk to me. One rep even cursed on my phone. They are out of control and I would like them to pay for every harassing call.
Product: Credit card or prepaid card

My XXXX XXXX XXXX bought a card from the XXXX XXXX store in XXXX Oregon. I am not sure if it is legal to sell those cards to minor in order to buy XXXX  games on line. I did not approve the purchase I tried to return to the XXXX XXXX store they refused to take it back. So I tried to use at the store to pay for something else. Every time we tried the transaction get declined I contacted the company issued the card " NETSPEND '' several time and luck to solve the problem. One time the agent asked for my social number and more information I never been asked before to activate card with balance of {$10.00} of kind question. I did refuse to give here the social and asked her to to speak with here supervisor I did explain to him hoe the card was sold to XXXX  son and it has balance of {$10.00} and they charge him {$3.00} at the XXXX XXXX  for the card. So he said I am going to activate the card for and it has {$10.00}. When I tried to pay for a shoes for my son at XXXX and I was shocked when the card has only {$2.00} on it. I called again and talked to one agent at the NETSPEND and told one of your supervisor and said it has {$10.00} balance on it. and when we tried to pay for a a purchase it has only {$2.00} how that happen? I said some one from you company must stool the money. She said there is an unused fee for {$5.00} I was shocked to hear that from here I believe this company is scam company and trying to take money from minors by selling those cards.
Product: Credit reporting or other personal consumer reports

According to 15 usc 6802 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting. The company reporting the I have a late payment with first progress The address is not accurate
Product: Checking or savings account

I'm an XXXX XXXX service member who spent 6 years oXXXX XXXX XXXX XXXX and XXXX. Last year, I opened a CD account with Citi Bank, depositing {$10000.00}. Upon maturity, I was unable to withdraw the funds directly, leading me to open a checking account via online chat with a Citi Bank representative, using my old US address and a phone number that was on military hold at that time. Once the checking account was opened and the funds from the CD were transferred there, I transferred {$8400.00} to my original external account but had to maintain a minimum {$1500.00} balance to avoid fees. Now back in the US since XX/XX/2023, I'm unable to access my account due to a new phone number, as my old number was reassigned. 

Despite multiple attempts and providing extensive account details, including the exact date the account was opened, how much money is in there, the account number for the CD which is now closed, the original external account from which the money was transferred to Citibank, as well as the details with ID # for the transfer of the funds to the checking account, Citi 's representatives have refused to verify my account and provide me with access to my account. They keep stating that without the checking account number and verification of a message to the cell phone number they have on file, or sending mail to my old mailing address, they can not verify my account. When I repeatedly explained to them that I was never provided with the account number since it was opened via chat online, that I don't own the phone number they have on file any more, and I no longer live at the address they have on file, they basically hung up on me after letting me wait on hold for even up to 20 minutes.

I am deeply frustrated and don't understand how such a big bank as Citibank can have such archaic ways of verifying an individual 's identity and can not offer me any other way to prove that I am who I am. Additionally, there is no branch in Kentucky where I live now.I feel deeply discriminated against as a member of the XXXX XXXX for serving 6 years XXXX, losing all connections with my past, and now being unable to reconnect and access my hard-earned money because of bureaucratic hurdles that no one is willing to help me overcome. I seek assistance from a US-based citibank office for access to my account and my money. 

I can provide screenshots of my checking account showing the balance - the current balance is {$1600.00}, the account number of my closed CD - XXXX which matured on XXXX with total of {$10.00}, a copy of the conversation with the representative who assisted in opening the checking account and transferring funds from the CD, and my specific request to not receive a debit card, as it would be sent to my old US address. This is in addition to any other information required to verify my identity. 

I would prefer to be contacted on my professional email address XXXX. But citibank has on file the following email address XXXX I can be reached at any of the email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING FOR SOME HELP GETTING ITEMS THAT APPEAR ON MY CREDIT REPORT REMOVED DUE TO FRAUD.