23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

good day my complain is about the assent i have sold online on a social media specifically on XXXX XXXX  and XXXX, fortunately the buyer has seen the advertisement and was willing to buy the my product and the buyer introduce to me the the special account called PayPal that I must register as he going to pay me on this account and i have register to this account and became a member but i was struggling to link the account to my account on the XX/XX/2021 and i as seller we agree with the buyer that he will pay me on this account called paypal and the money will link to my personal account. XXXX amount was deposited in paypal account that i can use or seee it but the client promise to see to this matter but i manage to trust the buyer and this paypal thing scam, well after shipping the product to XXXX from XXXX XXXX to Mr. XXXX in XXXX the was confirmation on on the paypal account of my money transfer the paypal account says it has i technical problem the money will be available after 72 hours and i have waited till the 72 hours is gone then they introduce the a knew thing that says my money cant be transfer to me as the have deposited more money in my paypal account wish i can not see it with a naked eye ... .up untill i pay XXXX XXXXXXXX to the client for the additions that i can not see or any thing that say they have deposited money in account but i MUST PAY MR XXXXAL THE BUYER XXXX and they will deposite XXXX to my account ( 1 ) i must e wallet this mr XXXX who already have my product the XXXX XXXXXXXX and i will be able to access this shirty account call paypal, i have mange to save all our conversation with the buyer and paypal accounts manager
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

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

Complaint- XXXX  , Experian and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX  and XXXX XXXX. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, Experian or XXXX  that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX  XXXX XXXX XXXX XXXX $ XXXX XXXX  3 . University XXXX XXXX - $ XXXX Experian XXXX XXXX XXXX XXXX XXXX $ XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
Product: Credit card

I would like a 1099 from Synchrony Bank for the Care Credit card they charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm a victim of identity theft. I have called and sent certified letters to Clarity Services ( a part of experian ) to obtain PEMANENT Opt-out of prescreened promotions. I mailed ( via certified mail ) Clarity Services all the documents that they required to process a permanent opt-out of prescreened promotions, including copy of my FTC identity theft report, XXXX Police report XXXX copy of my NM driver 's license, copy of my social security card. I have received a letter confirming XXXX extended fraud alert and security freeze. However, I asked for PERMANENT Opt-out of pre-screened promotions and this has NOT been accomplished by Clarity Services ( a part of experian ). I also requested my free copy of consumer file disclosure. I would like cfpb 's assistance in this matter. thank you.
Product: Vehicle loan or lease

I applied for a loan in late XXXX XXXX. I was told over the phone that my rate would be 2.29 % and that I would get 0.5 % discount for being a XXXX XXXX client with Bank of America. I purchased a car. On XX/XX/XXXX, Bank of America sent me a letter saying that my rate was changed to 2.29 %. I called and requested a supervisor call me back. Nobody called me back. I have since left countless messages and been transferred endlessly. Bank of America charged me even more from XXXX XXXX XXXX  I would like Bank of America to provide my promised rate of 1.79 % APR.
Product: Checking or savings account

On XXXX XX/XX/XXXX, an associate deposited XXXX XXXX XXXX dollar checks to my and my wife 's joint checking account at a Chase Bank. The checks where issued by XXXX XXXX in XXXX, through XXXX XXXX, and brought to the U.S. by my associate. 
The checks appeared in our account with a " hold '' that expires XXXX XX/XX/XXXX. 
I understood that the funds had to be held until they cleared, but when I tried to deposit a personal check, using on-line checking, I was not permitted to make any deposit or transfer any funds from my Chase savings account. 
I contacted Chase and eventually I was connected with the fraud department. They told me that the five checks were " suspicious '' and were being " held '', and they had a " high probability of being returned ''. I told them that I could see on-line that {$5000.00} was being held, but I should not be barred from making deposits, or transferring into my checking account from my savings account. I was also worried that automatic deposits or payments would not be allowed. 
The Chase representative then told me that my accounts were " restricted '' and could not be used until the checks were " returned '' around XXXX XX/XX/XXXX, and that I would have to go to a Chase bank in person to " clear '' the " restriction ''. 
I traveled to a Chase bank outlet and talked with a banker who called the fraud department, and was told the same story, that I could not use our accounts until the " checks were returned '' My accounts still show " available balance '' {$5000.00} less than the " present balance '', and will not allow me to make any transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Debt collection

I am a former resident of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing a collection account created on XX/XX/year>, for {$2900.00} on my credit report. At the time of eviction, XXXX XXXX XXXX, and XXXX XXXX order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus including the collection agency for the XXXXXXXX XXXX TRANSWORLD SYSTEMS INC multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Specifically TRANSWORLD SYSTEMS INC for 4 years and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my XXXX from the XXXX behind. I never deserved what the XXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from the XXXX removed from my record. Thank you. Words can't describe how much my well being means to me.
Product: Debt collection

Speedy cash opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are XXXX  XXXX XXXX XXXX I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
Product: Credit card or prepaid card

I have a couple prepaid visa gift cards that were purchased at Kroger.  The website on the card XXXX has been down for weeks. It allows you to enter all of your information and then loops back to the log in. I'm not able to register a couple of my cards, and then the others I can only find the balance by phone. I can't look at the history to see if everything is accurate. The site worked a month ago, I was able to log in and get history, etc. The customer service # XXXX doesn't answer, no matter what time of day or night you call and that's the number to report a lost or stolen card too! This is so FRUSTRATING. What can i do? The site should at least post a notice telling consumers that it's down and when it's expected to be up and running. Why isn't anyone being held responsible for this?
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 resolutions 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 card

citi changed the terms of my credit card account to paperless without users agreement.my credit score and interest rate were affected.after having reported a disputed charge i was told i would have to create an online citi account.im now being told by citi that i somehow checked a paperless payment box which i know i didnt.ive been trying since XX/XX/XXXX to get an explanation in writing.after being a customer since XX/XX/XXXX im canceling my account with citi.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX/XXXX  - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting

I sent Equifax a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Equifax received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:1. XXXX Account # : XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Idaho XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Idaho XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

Hello. In XXXX of XXXX I received a letter in the mail from XXXX XXXX XXXX. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was Internet, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, xfinity would cancel the account long before. 

I researched XXXX XXXX XXXX and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from Convergent outsourcing inc stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.
Product: Checking or savings account

My accounts were opened years ago. Then my identity was stolen when I lost my wallet one day. Bad checks were deposited by this person who stole my identity and account was over drawn. I have been receiving letters in the mail for payment for 2 of my accounts. For months I could get a car from banks and now I cant open up a checking account. I have received my XXXX XXXX report and found out about this.
Product: Student loan

I took out XXXX loan as an XXXXXXXX XXXX  at XXXX XXXX in either XXXX or XXXX. I took out another couple of loans between XXXX as a XXXX XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX and XXXXXXXX XXXX XXXX 

I paid on these loans or was counseled into deferment/forbearance for the last XXXX years. During the pandemic, I was counseled by the XXXX to consolidate my loans and accept Mohela as my loan servicer. 

In XXXX I requested by phone with Mohela, that they provide me with a full payment history on all of the loans since I entered repayment back in the XXXX 's. Please see attachment which includes my notes from the phone call and Mohela 's response, showing no payments whatsoever. 

I am now a XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX. I can not add to the XXXX years of credit I earned under the XXXX program. I can not afford the $ XXXX monthly payment required for me to be in the XXXX XXXX XXXX XXXX. I believe that my XXXX XXXX  should be fully forgiveable ( XXXX years old ) and that my XXXX XXXX are either also forgiveable ( XXXX years old ). Mohela refuses to do their work and inform me of the age of the loans and the number of payments I made and deferments or forbearances I was counseled into.
Product: Vehicle loan or lease

My account was 67 days past due. I paid my car note after XXXX Friday XXXX. This payment made the account 37 days past due. My car was repossessed that Friday after the payment was made. I have been trying to get my vehicle back since then. The company is refusing to work with me despite the policy being repossession after 60 days. They want me to pay 3 payments despite one of the payments not being due yet. I have asked if I can pay another payment to get back in the vehicle. They are refusing. It is impossible to work with this company. Ive had this escalated to management and they are still unwilling to assist.
Product: Credit card or prepaid card

Hello, applied bank credit card closed my account without having my permission after sending the financial institution several reasons of why I would and have fell behind on payment prior to and after XXXX of XXXX and XX/XX/XXXX. The company has refused to offer repayment options and has harassed me multiple time to make a payment which then resulted in interest rates increasing making it almost impossible to pay down the balance. In fact, Ive asked for the balance to be lowered and the interest rate to be lowered in XXXX of XXXX which I was denied. Finally I would like to state my credit score has been negatively impacted.
Product: Credit card or prepaid card

XXXX months ago I applied for the apple credit card through the apple wallet app. It said I was denied due to the fact there was an account already open. I had gotten sent a number to contact the company about fraud. I spoke with a man about the fact I have never used/received a card from the company. He proceeds to tell me the name on the card and it happened to be by someone, a man, I have never heard of in my life. I told him I didn't know the person and it wasn't me. He canceled the card, said it would be under investigation and to apply for it again in XXXX days to get myself the card. Sometime in XXXX I applied again and the same thing popped up. So I did the same thing and called the company, went through the same process. XXXX I applied again. Same thing happened AGAIN. So I sat on the phone with the company but this time I tried to get information to file a police report. The company wouldn't tell me anything about the person nor give me reports as evidence to build a case. They kept hanging up on me and I kept calling back repeating myself for an hour straight. I wasn't getting anywhere with them. Finally I gave up and filed a police report last month in XXXX to the XXXX XXXX sheriffs office. I called yesterday to check on my case and they told me it was inactive because there wasn't enough evidence to further the investigation. The number I have been calling for apple is XXXX.