23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/XXXX I received a warning from XXXX XXXX XXXX that Discover Card had reported me for an unpaid bill after 60 days due. I have had a Discover card since XXXX, and I have never missed a single payment, so I thought it was fraud. 
Though I use the credit card irregularly, I had agreed to paperless billing on the conditions that they would send me email alerts when a statement was posted or a bill was due ; I have always paid the full balance of the statement before due date. I attach screenshots of the XXXX report ( via XXXX ) and of the Discover website with checkmarks showing that I was due to be sent these email alerts to my work email ( which has not changed ). I also attach a screenshot with a search for all incoming Discover emails. It shows that I received none of these required notices after XX/XX/XXXX. 
I called Discover Card immediately. I found that my husband had used the card twice in XXXX of this year, and I would have paid for them as soon as the statement came due - but Discover sent me no notices of posted statements or bills due. As I use the card infrequently, I noticed nothing wrong, since they don't post statements if the card isn't used, and as they no longer send paper statement, I had no idea that the bill was due. What is more, they obviously could contact me, since they were sending me advertisements for their services and new cashback bonuses. 
Their representative agreed to eliminate the penalties I had been assessed over the past XXXX months without knowing it, as she admitted that their web service department had always had the correct email address for me, and that I had required that they notify me of statements and bills due, and they had not done it. In fact, I paid the full bill due, with penalties and interest, that very moment online, in order to make sure that they could not hold it against me that I had not. ( I have no idea whether I will really get the unfair penalty payment back, as she agreed, since I no longer trust Discover card. ) But she refused to notify the credit agencies that this delinquency in payment was due to an error on Discover 's part, not on my part. This means that Discover has ruined my otherwise perfect credit rating, due to their own incompetence, and they refuse to admit it or make recompense for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Equifax and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Equifax via USPS, certified Mail # XXXX on XX/XX/2021. USPS confirmed my correspondence was received on XX/XX/2021. Equifax still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 5 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I accepted {$4000.00} in prepaid gift cards as payment through my Square account. I ran 8 {$500.00} cards over a span of 13 minutes. At no point during this time was there any indication from Square that there would be a problem accepting the gift cards. In fact, 2 days earlier, I had accepted a {$500.00} gift card, and it processed with no issue. In fact, their website clearly states that gift cards are an acceptable form of payment, the following is taken directly from their website : " Accept Prepaid Cards Square can process prepaid cards bearing any of the logos above at our low 2.65 % per-swipe rate or 3.4 % + 15 manual-entry rate. Any remaining balance will display on the receipt. '' Later that day, I received a notice that my account was permanently deactivated, and my funds would be held for 150 to 180 days. I was provided a link to the " Square Seller Agreement '' to read up on what had triggered the freeze on my funds, however, there is absolutely nothing in that agreement indicating I could not take payment via prepaid gift cards. 

I attempted to contact their customer support, but since my account was deactivated, their online support form would not let me send any correspondence. 

I responded 5 times to their initial email notifying me of a freeze on my funds. 27 days later I finally received a response, simply reiterating that they were holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit my credit report on XXXX XXXX XXXX, and NOTICED there were hard inquiries that don't have PERMISSIBLE PURPOSE to be on there. these hard inquiries are hurting me from getting approved. i already reached out to the credit bureaus about this multiple times they keep violating my Common law rights under [ title 18 u.s.c. 241 and 242 ] and my Consumer law rights under [ title 15 u.s.c. 1681 [ b ] and more., I also have attached the hard inquiries that don't have NO PURPOSE to be on my credit or report., furthermore [ title 31 u.s.c. subsection 3124 ]. and [ U.C.C. 1-308, U.C.C. 5-103 { d }. ] I AM the GRANTOR/CREDITOR/BENEFICIARY { XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I contacted dealership out of state NJ ( XXXX  XXXX XXXX ) about memorial day sales. Car was priced at {$17000.00}. Told them I've been denied for loans and trying to get 2 year term. They asked how much do I plan on putting down & I said half. Few hours later told me he got it approved just waiting on stipulations. 
XX/XX/XXXX made the down payment of {$8500.00} & {$600.00} for insurance XX/XX/XXXX I paid {$1000.00} for a transporting service. 
XXXX I've been trying to make contact for days. They told me since I sent the money that finance will contact me.finally received response asking for insurance address.i sent them all insurance information on XX/XX/XXXX. Told them you've had my money this whole time and you still haven't had finance call me or terms set. I immediately told them to send my money back.i asked them NUMEROUS times and no response. I then told them this has become a legal issue and contact my attorney and gave them name & number of attorney. 
XXXX I received a call asking what day is your transport. I got irate and told them in a few hours.my transport service said they been contacting dealership and dealership won't release them the car. Days later they Said we're overnight you paperwork with an overnight label. Just hurry feel them out so we can release car to transport. I instantly got a cab when paperwork showed up.i opened envelope at XXXX XXXX. I had cab outside waiting.i opened up envelope and price isn't what I purchased at. It says {$25000.00} on this paper you sent with charges like {$1700.00} for lost keys etc. he said no that's just was sticker price. The other forms are you agreeing to release car and that I sent proof of insurance.I feeled the paperwork with dealership on phone. Mailed envelope.days later I asked again for terms and copy of contract. I received personal injury month of XXXX and due to my XXXX I can't have over {$2000.00} in my account. One of the main reasons I kept requesting my money back. 
XX/XX/XXXX I received car. When my first payment came it had different price on the loan and I never knew name of lenders or interest rates. Dealership literally got upset and said they would beat me up if I was in that state. Kept calling and calling about price & 27.9 percent Apr & {$33000.00} in interest. Last time I had spoke with them the dealership said stop calling.Person I spoke with said, I'm going to keep it real, you got, got & what is done is done & hung up.attorney said it seems they had you sign them power attorney and that you can't dispute any legal actions. I'm in a huge bind & was told it's best to contact you as wel please help in any way possible. That same dealership has sold 2 more cars since then with exact same photos & price.
Product: Money transfer, virtual currency, or money service

I a

m 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial los
s, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

RE : Celsius Network LLC, et al. 
Bankruptcy and locking user funds I have XXXX Ethereum ( Around XXXX $ ), Small amounts of Bitcoin, XRP, and other coins ( XXXX $ ) : These figures are based off the crypto markets around the time Celsius filled for bankruptcy on XX/XX/2022. 

I researched many companies and was led to believe this company was run by people with our best interests in mind. XXXX XXXX XXXX was vocal on social networks and explaining on weekly XXXX that his 'bank ' was a bank for the people and was working for the people. He guaranteed our money would be safe and even said this exactly 4 days before they locked funds. He said these statements on the XXXX XXXX XXXX XXXX XXXX According to others he also said it on many other channels. 
He sold it as a bank and mentioned nothing about it operating like an unregistered hedge fund. Now it's coming to court he is XXXX  and saying he never sold it as a bank and that he was clear with everyone. He most certainly was not.
Product: Money transfer, virtual currency, or money service

Did not explain on XXXX how to us app/ Failing to conduct reasonable investigation of notice errors
Product: Debt collection

I'm a victim of identity theft this is not my medical bill I never stayed in XXXX XXXX company name XXXX XXXX XXXX account # XXXX open in XXXX as it claims false date it actually got on my report in XXXX the report post to be accurate and complete by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

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  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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. : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts that do not belong to me and 2 previous addresses that are non factual I never lived there and one account that I was not late on
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

They closed my account in 2018 I paid it off but they wont show it as paid and let me get a new card. It keeps saying you have a closed account with us
Product: Credit reporting or other personal consumer reports

I've noticed that these late payments dont line up with how I usually pay my bills.
Product: Debt collection

AVANTE : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Debt collection

I cancelled XXXX XXXX as I did not get stable internet. I cancelled service within 30 days of signing up and returned equipment. 

I kept getting bills and now I got a collection notice dated XX/XX/23 from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account no : XXXX Amount {$210.00} I do not owe anything to XXXX XXXX and this is a bogus bill and collection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX, MIXXXX ; XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX ( Original creditor : XXXX ) Balance : {$79.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX, XXXX, XXXX ; XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX, ARXXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX ( XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act GM financial acct # XXXX has violated my rights. 

15 USC1681 Section 602 states that I have the rights to privacy.

15 USC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report I sent for a dispute on inaccurate information to XXXX, XXXX, and Transunion. It has been over 30 days and I have not received any response. 

Transunion is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX  CT XXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX is XXXX the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect XXXX : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX
Product: Debt collection

This is the email that I am receiving from XXXX XXXX from truaccord. I have contacted XXXX XXXX, and they say my account is paid in full, as is my mothers ( XXXX ) I am her account manager. 

TrueAccord logo You can submit a payment amount that works for you. 
Hi XXXX, At TrueAccord, we believe that providing flexible payment options and tools on our website is beneficial to everyone. No one knows your financial situation better than you, so weve made it easy to pay what you can online. 

Simply enter a payment amount on our website and then submit your partial payment for this {$19.00} XXXX XXXX balance. Well send you a confirmation email for your records. 

PAY WHAT I CAN This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 
Please read below for important disclosures. 
Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX  - XXXX XXXX  ET Copyright XXXX  TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXXXXXX XXXX XXXX XXXX  We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. 

TrueAccord Corp is licensed to operate under permit number XXXX
Product: Credit reporting or other personal consumer reports

Ive submitted this complaint several times CFPB, XXXX XXXX TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX & TRANSUNION with FTC Fraudulent report support my position. It seems XXXX TRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these accounts blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts removed/blocked per 605b with the attached documents again. Thank you 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 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