23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted XXXX XXXX XXXX in regards to an account listed on my credit report that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX. I have asked XXXX to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX. I have sent them XXXX Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded twice with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Someone has tried opening a checking account with Bank of America three times in the last 6 months. They are using my name and email. I keep getting emails wanting to confirm my email address. I then do receive a follow up email saying account has been denied. I am getting tired of having to call every time. I need my name and email address blocked or flagged so this doesn't keep happening. 

I already have a credit freeze enabled through XXXX, but apparently these bank account openings are getting by that Freeze??? 

Last date was XX/XX/XXXXXXXX  Others happened in XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company has been reporting inaccurate information on my credit report since XXXX ( 7 years ) with a past due balance of {$560.00}. This account was paid off, not just by me but by their insurance company. They refuse to delete this account from all 3 of my credit profiles. It has ruined my chances of recovering my credit score and they have ignored my repeated attempts to obtain a debt validation letter. I would like this account removed from ALL THREE of my credit reports immediately.
Product: Credit card

I have attempted twice to dispute a reoccurring charge with Capital One.. on both occasions I filled out all of the required paperwork, faxed it in within a few days and each time I call to follow-up I am told my information was not received. I have proof that the fax went through. This is a classic case of the credit card company not wanting to investigate the case and just dismiss the consumer. Terrible customer service! I have been trying to dispute this charge with Capital One since XX/XX/2016.
Product: Credit card

Make multiple payment monthly on my citi card with no issue. Had a family emergency for which I needed to wire money. My last statement my limit was {$5000.00}. Made a {$2500.00} payment to perform the wire transfer. Once I made the payment on the XXXX of XXXX they would not let me complete the transfer and the reason they gave was because as soon as I made the payment they found it a great time to lower my limit to an arbitrary # of XXXX. Without any notice. When I called to inquire they hung up on me twice and then finally said that we decided on the XXXX to lower your limit and we sent out a notice on the XXXX. In order to stop them from basically taking my money I told my bank to stop payment and when that wouldnt work I withdrew the funds from that account. If credit card companies can operate with total impunity on their customers by lowering credit limits instantly without review than the system is completely upside down and Id rather stay in debt and take my cash off the grid. Credit is supposed to work for us not rob from us. But in the end I realize that the entire system for which our economy is based is really just a figment of imagination and can be deployed by the credit card companies however they wish.
Product: Debt collection

this company has been calling me for years using so many different numbers its hard to keep up with, they have used up my home phone messages so many times and so often i do n't even use my land line anymore. i use a cell phone that belongs to a third party and is n't recorded anywhere in my name, somehow they got that number and have started calling it. i am a XXXX veteran now living alone, i may or may not owe this debt, i filed ch XXXX XX/XX/2005 but found out later my wife kept some cards and accounts i did n't know about. she left over 2 years ago and i h ave no idea where she is. these people send me several letters a week and have called so often over the years its driving me crazy. i used to argue with them but sometimes its computer generated, when its a person they wo n't stop talking long enough for me to say anything, when i get mad and curse at them they talk over me and tell me its illegal to speak that way on the phone and that im being recorded.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below its a copy of the Offer rejected notice given to " XXXX XXXX XXXXXXXX ''. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Rejection of credit was based on credit score that has nothing to do with the type of credit transaction or contract agreed upon both partied where a third part, such as the use of Experian was used upon discrimination and conspiracy against the beneficiary also known as the consumer. XXXX on behalf of XXXX XXXX XXXX XXXX has committed several violations as explained below. 

OFFER REJECTED NOTICE ATTN : XXXX, XXXX XXXX XXXX, UT c/o XXXX XXXX XXXX  XXXX XXXX 
Application means : A request, petition or motion in blacks law 11th edition. 
Means the act of asking for something, usually in writing, or a document in which someone asks for something, in barrons dictionary of banking This correspondence is in regard to the application submitted on XX/XX/2021. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 C.F.R 240.106-5 ( 15 U.S.C. 78j ), 38 C.F.R 21.5828 ( 15 U.S.C 78ff ) ,13 C.F.R 113.3 ( 15 U.S.C 1691 ( a ) ( 3 ) ), 18 U.S.C. 241, 18 U.S.C. 242. 
Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 
You meaning XXXX, XXXX XXXX XXXX, UT c/o XXXXXXXX XXXX  XXXX XXXX XXXX 
and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. 
Legal proceedings may be enacted if dishonored. 
Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : XXXX
Product: Credit card

I went on a trip to XXXX in XX/XX/XXXX for my honeymoon and after arriving home, I noticed there was a charge for {$570.00} that posted on XX/XX/XXXX labeled XXXX. 

I never bought anything from this vendor and its a fraudulent transaction. I disputed the transaction with Chase Bank and they removed it from my account. However, on XX/XX/XXXX they rebilled me for this charge yet again claiming that it was a legitimate charge. 

I called the bank on XX/XX/XXXX and explained this is fraud and they still maintained that I will be charged for it, as it was a charge that occurred physically. This doesn't seem fair. I suspect an employee from a business that I went to took my card and charged it using a hidden card reader while I was transacting in their shop. 

Please help make this right- this is a HUGE financial burden for me and I didn't authorize this transaction or receive any benefit from it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes.

particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I purchased my vehicle XX/XX/XXXX. The dealership submitted the incorrect county ( XXXX XXXX ) to DMV for taxes. I live in XXXX XXXX. XXXX XXXX sent Kia Finance a bill for {$770.00}. Kia Finance paid the bill and then charged my account for those taxes. I contacted Kia Finance several times in XXXX to make them aware i do not live in XXXX XXXX and this tax bill is incorrect. They advised they will submit to their tax department to resolve. In XXXX my statement still reflected the taxes. i contacted Kia finance again, this time i was advised they can not correct the error i need to call the county to correct. I contacted XXXX XXXX and they confirmed they deleted my vehicle from their system and DMV was updated to show my correct county of XXXX. They also confirmed they returned the refund to Kia finance. My XXXX statement still showed the tax bill from XXXX XXXX. I called Kia finance again and was advised i needed to submit my registration and an explanation of why i feel i am not responsible for the taxes. i advised them the refund was sent to them, however i kept being told they can not call the county to track down the refund and that i had to call. The county advised i am not the owner of the vehicle and therefore kia finance needed to call them to resolve. Mid XXXX i started to receive collection calls. instead of them contacting the county to find out where their refund was they starting applying my payments to the tax bill and therefore showing me as past due and calling me to collect. i spoke to several agents pleading with them to call the county to resolve with no one taking ownership to assist. I contacted the title manager at the dealership to help me resolve since they made the error on my tax locality, Kia finance refused to talk to her to resolve. Now we are in XXXX. up until a week ago i was still receiving collection calls. i spoke with a rep name XXXX. she put a hold on the collection calls while she submitted a request to the tax department to research. She called my Friday XX/XX/XXXX to inform me the tax department confirmed they did receive a refund check from the county yet it still has not been applied to my account and therefore my account is still showing past due affecting my credit. This is ridiculous that this has been going on for 3 months, with no resolve. There has been nothing but push back on me as the consumer to resolve an issue i did not create. it makes me not even want to keep the vehicle.
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 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. 
I want the CFPB to publish this description on consumerfinar..e.guv
Product: Checking or savings account

My account is set up to overdraft on reoccurring bills. I have used this program multiple times with no issues because I've always paid off the overdraft. Including last month on the same monthly rent bill. They rejected the overdraft this month without warning and without listing the reason as to why it was rejected. I spoke to 3 ppl in customers service. The first couldn't help me with the actual problem, but she did reverse some fees as a curtesy. The second straight up lied about a monthly limit that doesn't exist in their policy first claiming it was XXXX and then changed to XXXX when I pointed out the payment was for {$810.00}. The third confirmed that the second one lied and that it'll be marked on her record, but then gave me attitude and a circular logic argument about the reason my overdraft was rejected is because my account doesn't have enough money in it. Which makes an overdraft policy completely useless as it's literally there to cover accounts not having money. All three of them acted really skittish when the point came that I asked to speak to someone above them and the third one just hung up.
Product: Debt collection

Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up email to Clark county collections to give them the evidence they asked me for XX/XX/XXXX thru XX/XX/XXXX plus XX/XX/XXXX/ XX/XX/XXXX I  was an XXXX at XXXX XXXX veterans hospital, undergoing my XXXX I needed to be at least halfway useful after my XXXX.
Product: Debt collection

Debt Collection Agency Name XXXX XXXXXXXX XXXX, Focus Receivables Management Issue Never received any written notices of an attempt to collect a debt or any explanation of my rights. 
Details In XXXX I applied for a mortgage loan. I was advised that there was a collections account in the amount of {$410.00} on my credit report. The credit agency listed was XXXX XXXX XXXX. It stated that it was for XXXX XXXX and it was added in XXXX of 2020. I had never received one letter or phone call regarding this debt, but it was added to my credit report. 
I found that it appeared on my XXXX and XXXX report. In XXXX I filed a dispute regarding this debt. The results came back stating the debt was verified by the collections agency. No additional information was provided, and I never received any calls or letters. The debt remained on my credit report. 
In XXXX I received a collections call. The collections representative stated that this was an attempt to collect a debt for XXXX XXXX. The same debt that has been my credit report since XXXX without one attempt to communicate with me by phone or in writing. I was very upset. I asked them why they lied to XXXX stating they verified a debt they never contacted me about. I also asked them why they were calling me for a debt they already placed on my credit report. The representative stated that she did not see that it was on my report. 
I proceeded to tell her that if they had contacted me, I would have told them that I dont owe anything to XXXX XXXX and I want a full explanation of this debt. She stated that should contact XXXX XXXX and have them reach out to me. I never heard from anyone. No calls and still not one written communication from a collections agency or XXXX XXXX, but the collections account was removed from my XXXX and XXXX report. 
Today, XX/XX/2020 I received a credit alert stating that this exact debt was added to my XXXX report on XX/XX/2020. It was added by a collections agency named Focus Receivables Management and states it was opened on XX/XX/2020. I still have not received one written communication from a collections agency and no explanation of the debt reported. I also have not received any additional calls from anyone except the one where they stated they would have XXXX XXXX contact me and never did. 
My rights have been violated on more than one occasion for the same matter. This should not be allowed and I am sure if youre doing it to me, youre doing it to others during an already trying time.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c2, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

On XX/XX/XXXX, I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my XXXX demand for removal. If not corrected, the next step will be legal action. 

Remove and block the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove and block the following collections : Account name - XXXX XXXX XXXX Account number - XXXX Recent balance - {$10000.00} as of XX/XX/XXXX Date opened - XX/XX/XXXX Status - Collection account. {$10000.00} past due as of XX/XX/XXXX. 

Account name - XXXX XXXX XXXX XXXX  Account number - XXXX Recent balance - {$550.00} as of XX/XX/XXXX Date opened - XX/XX/XXXX Account name - XXXX XXXX Account number - XXXX Recent balance- Not reported Date opened - XX/XX/XXXX Status - Transferred, closed. {$25000.00} written off. 

Remove and block the following accounts : XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXX  XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX