23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged on my citi credit card and have tried to resolve my complaints with Citi for many months with no assistance. I was originally charged {$100.00} four times for a few from XXXX XXXX for entry into the XXXX XXXX XXXX I was not aware that XXXX required an entry forum to entry the country until we arrived at the airport. We quickly searched how to do this and this company came up and charged a fee of {$100.00}. We had 5 people with us where 4 used the Citi Credit Card and one used XXXX credit card. I I quickly learned later that day that this entry forum is free by going to the XXXX XXXX 's official site. This is a scam and I disputed all 5 charges as I had no way to contact this company. The XXXX charges were credited by the company but they have not done so with the four charges made on the CITI card. I disputed this with CITI and provided proof of the XXXX  refunded the {$100.00} on my XXXX credit card which proofs that they agree that I should not be charged for a free service. This company may offer other services but that is not the intent and why I feel scammed by this company. CITI has been unwilling to reverse the charges despite my numerous calls and documentation, and explanation. I have no way to dispute with XXXX as they have no phone number and not located in USA.
Product: Debt collection

In accordance with the fair credit reporting act Convergent  Account # XXXX has violated my rights. 

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

15 USC 1681 604 A Section 2 : it also 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: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : Equifax, XXXX, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE. 

CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance details 12 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 PAYMENT HISTORY LEGEND Status At least XXXX days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$8400.00} Original balance {$24000.00} Monthly payment {$650.00} Additional info Responsibility Joint Account XXXX XXXX Months XXXX XXXX XXXX Original creditor - Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Your statement - Contact info Address XXXX XXXX XXXX XXXX  XXXX, MI XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

I opened a bright checking account with BB & T, because they advertised a {$250.00} bonus if all of the requirements were met within 60 days. It has been 3 months and I havent revived my bonus yet.
Product: Credit card

When I tried transferring my rewards to XXXX in XXXX of this year, I was told I could not do it because my name did not match the name on my XXXX XXXX  account. 

My legal name ( XXXX XXXX XXXX XXXX XXXX ) exceeds the character limit that Chase has and the company kept cutting my name off for their record keeping ( XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ). I submitted all the documents necessary starting on XX/XX/XXXX and filed a complaint with the OCC on that same date.

I continued calling several times. I called on XX/XX/XXXX again and was told that my name had been changed but the name on the rewards account had not. I was not given a timeline on when this would be changing. No other communication was provided. 

I asked if the transfer could be overridden and approved on their end so that this would not happen again, and that request was denied. I was only told they would send me a letter with a response and was not given a timeline for that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Porfolio recovery has bought my debt And I getting consistent calls daily.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. Your organization is in breach! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights. In accordance with 15 U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency can not provide an account without my written consent. Referring to 15 U.S.C. 1681c. ( a ) ( 5 ) Section, it prohibits any consumer reporting agency from including certain adverse information in a consumer report, except for criminal convictions older than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to any consumer reporting agency. Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX sent mail to my step grandmother 's address regarding my debt.
Product: Credit reporting 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 Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX and 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

OHIO DEPT OF HUMAN SERVICES  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: Bank account or service

HSBC processed an unauthorized {$2100.00} debit from my checking account on XXXX/XXXX/16 and still has not returned the funds or given me a status of the investigation. 

In XXXX I went to a branch in XXXX NY to set up a recurring monthly rent payment to my landlord 's XXXX checking account. Last month I went to the same branch to cancel all future payments ( including XXXX/XXXX/16 ), because I was moving. A branch employee had me fill out some paperwork, gave me a fax receipt, and confirmed that all future payments would be cancelled ( including XXXX/XXXX/16. ) On XXXX/XXXX/16, the payment processed as usual, causing my checking account to go negative. I called customer support and was told that the branch employee had given me the wrong paperwork, but that the agent I was speaking to would submit the correct XXXX and that I would get the money back. Two days later I called again to check in and was told I needed to go to a branch to handle the issue. ( I was also told by this agent that the branch would be able to credit my account for the {$2100.00} while everything was pending. ) When I visited a branch in my new city XXXX XXXX XXXX XXXX, they said they could n't help me and that I needed to call support. A support agent spoke to the teller, had her submit a new stop-payment form, and told me that an investigation would begin in two days and that I would receive a credit on that day. 

Two days later I called support for a status update and was told that there would be no credit and that in her opinion the transaction was authorized by me. I then spoke to a supervisor who told me that I would not be issued a credit until the close of the investigation ( XXXX10 days ), and that they were currently deeming the XXXX/XXXX/16 transaction to be " authorized. '' I told her that I wanted to file a formal complaint and she said she would get me a " reference number, '' which would be added to my account notes and I could call back later to obtain it. When I called back, the agent I spoke to said he could not view the supervisor 's notes because they were " encrypted, '' and instead grilled me for around 30 minutes repeatedly trying to get me to confirm that the XXXX/XXXX/16 transaction was " authorized. '' It has now been over two weeks since that conversation, and I have received no updates. I called customer support today and they were unable to tell me the status of the investigation ( or if there even was one pending ) and said a supervisor would call me back on Monday. 

I have told every support agent and supervisor that ( a ) I went to the NY branch in person to cancel all future transfers and ( b ) that I was given a receipt by the branch confirming that the necessary paperwork was submitted, but so far HSBC has been ignoring that and/or telling me that the transaction was " authorized. '' ( Meanwhile I have been unable to get a hold of my former landlord, so the {$2100.00} has not been returned. A couple support agents have indicated that it 's my " responsibility '' to retrieve the funds from the landlord myself, even though it was HSBC who debited my account without authorization. )
Product: Debt collection

I had XXXX at a local hospital that VA had approved. My XXXX was left open for XXXX to drain. I was at a XXXX hospital to care for my XXXX  which I wasn't getting the care for my XXXX. When I stared XXXX from my XXXX I requested an ambulance to take me to the XXXX hospital. Now the ambulance is trying to make me pay for it. I am 100 % XXXX veteran and the VA is suppose to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed on my credit report from XXXX is listing the account as settled for a lesser amount. I had two accounts on my credit report from them the original account and a judgement account. The original account still remains which is fine, but I paid the full balance of what was owed on the vehicle, as I was garnished by XXXX  for the amount. They filed a Court claim and I did not receive the initial information, and they received a judgement. Under the new reporting rules, judgements can not be listed or referred to on the credit reports. Therefore, XXXX  is reporting inaccurate information under the original account when they state the account was settled for less than the original amount. I disputed this information in XX/XX/2019 through Transunion and advised of this, asking them to dispute this information. Transunion came back after a few days saying the information was accurate. 

This is not accurate as I paid over {$20000.00} to XXXX  regarding this vehicle account and the original amount was {$14000.00}.
Product: Payday loan, title loan, or personal loan

OneMain - XXXX OneMain continues to increase the balance of an account that was charged off. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below details were the initial issue that is greatly effecting my FICO 9 score and causing me to receive a higher interest rate on an auto loan I want to obtain : I have encountered a BILLING DISPUTE LEFT UNRESOLVED BY XXXX  XXXX XXXX and they have said my account is delinquent and did a CHARGE OFF which will ultimately effect my credit. I opened up a billing dispute with XXXX  XXXX XXXX on XX/XX/XXXX and they sent me letters in XXXX ( two months later ) stating they required additional documentation for my dispute. With this regard, I contacted them to obtain more information regarding what they required and they were totally unresponsive when I called numerous times to send paperwork regarding my dispute. They had an hour or more hold times then their line would totally disconnect after having me hold for over an hour. I contacted their main line numerous times and they informed me that their has been several issues with the Disputes department and answering the phone line but they were unable to assist. Since then, I continued to try to get this resolved explaining to them that the items they are charging me for have been returned to the company XXXX XXXX another fraudulent company located outside of the United States ) and should have been issued as a credit. I have not gotten anywhere with XXXX or XXXX  XXXX XXXX and they have been less than helpful. XXXX  XXXX XXXX has now sent my account to the credit bureaus interfering with my high credit score. They are fraudulently charging me these fees and refuse to look in to the matter whatsoever. They can't just arbitrarily close my account when I haven't been issued my refunds for the merchandise returned. They have demonstrated terrible customer service and they need to be reported for their lack of attention to my matter and then making me pay for something that I do not owe. Effective XX/XX/XXXX, they have sent a charge off on my account even after I've explained that these charges are not accurate and I contacted them numerous times to no avail to get this matter resolved. They kindly let me know that they could care less and would not be assisting me in this matter. I'm totally appalled by their mistreatment and lack of customer service to an issue that could jeopardize my credit score. 
I have disputed this issue three times with Experian on XX/XX/XXXX and twice on XX/XX/XXXX and I don't believe my dispute is being taken seriously nor are they thoroughly investigating it. They only allow a few characters to explain the situation with XXXX  XXXX XXXX and they don't care to thoroughly explain it and get to the bottom of my issue. XXXX  XXXX XXXX refuses to resolve this issue and ignored my attempts to do so, then did a Charge Off unknown to me.This is completely unfair to me and is dramatically increasing my FICO 9 score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements XXXX 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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, my company fell victim to two multi-layered scam operations run by someone who created a mirror site of XXXX XXXX XXXX ( the Scammer ) which involved me making deposits for a total amount of XXXX USD from my HSBC XXXX account to HSBC US at the instructions of the scammers.
Product: Money transfer, virtual currency, or money service

Zelle in recent years did not post any warning about money being sent to the wrong people until very recently. I was a victim a couple of years ago and I am now finding out that I must file a complaint about their deceptive practices and behavior over the years. To get my money back I had to have a long trail of paperwork just to investigate the matter. I never got my money back. Anyways I am quite sure more people will be doing the same thing like me after this news just got out into XXXX XXXX  I hope we can have some kind of agreement with them being held accountable for this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  Inquiry Date XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am requesting that capital one be removed from my credit report. The account has been charged off which means they received payment for the account. They are still reporting my account negatively on my credit report, which is illegal. They have made financial gains from my account and therefore can not negatively report the account on my credit report.
Product: Credit card or prepaid card

Capital One needs to be fined! They absolutely refuse to help with the payment of XXXX accounts that are past due. They will not lower the interest or the payment amount!!!! I thought this was mandated by the federal govt????????? And they keep giving {$35.00} a month late fees, make them stop that!!
Product: Credit card or prepaid card

XX/XX/XXXX Bank of America # XXXX. My income was decreased at XXXX XXXX and Social Security for no apparent reason. I talked with Bank of America about the problem. They agreed that I was unable to pay the debt and charged it off. Now it is appearing again, not to be cleared until XX/XX/XXXX. I explained to them that I was permanently XXXX and elderly, now on an extremely low income. By continuing to report this resolved debt for several years past the 7-year report period, I am continuing to be unable to rent an apartment or other necessities. This is undue hardship on top of on-going financial hardship.