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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A representative called me earlier today, XX/XX/2016 in which they hang up quickly after I said I did not what they were calling about. At XXXX, XX/XX/XXXX, I called back and spoke with a rep, did not understand what she was trying to say her name was. However, I did hear her say several times she was going to sue me on the old debt and that the creditor was XXXX XXXX XXXX and XXXX. I need management to listen to this conversation because I recorded it and will be seeking an attorney for suit. I am XXXX years old and will not tolerate being treated this way. I have asked that calls be ceased previously and now I am receiving called from Portfolio Recovery Association threatening suit. My income is XXXX social security income without assets. My children take care of me financially. I would think this information such as assets, checking account employment would be verified before threatening. I am certain Social Security benefits can not be garnished.
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 and resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been attempting to recover from several instances of identity theft. Despite paying for a premier fraud monitoring plan with Experian, I didnt become aware of the thefts even as it continued until I applied for a business loan and was denied in XX/XX/2021. 

Seven years ago I knew a few accounts were delinquent following a divorce and my ex wife not following our settlement agreement despite the judges reprimands. Accounts under my name were paid late as a result and I knew the seven years were up based on personal memory, bank records, and lawyer fees and our divorce date. 

I didnt expect to see car loans and hospital bills and an eviction from the recent past. Experian got in the way and did everything it could to hinder the next steps in recovering from the identity theft. 

1. There isnt a dedicated fraud specialist. And there isnt any inside assistance provided on how to best coordinate a response. I never got one email from a fraud specialist answering my questions.

2. No one told me that I had potential insurance for identity theft related expenses until after I had performed much of the work on my own and had done so without any expert advice that the insurance claims it would pay for. But its highly unlikely anyone ever receives this assistance because I had a reservation of right letter emailed back to me just a matter of days after I submitted my initial request for a lawyer and to be reimbursed several hundred dollars for usps mail charges ( receipts for everything were included ). I needed a lawyer to help me do the things the carrier said needed done but the carrier denied my request for that lawyer because I couldnt provide certain evidence first. 

3. Eventually I had all eight accounts removed stemming from the identity theft. I submitted dozens of online and mailed disputes. Experian does utilize a document upload feature for online disputes but it doesnt work. Oftentimes I would spend more time trying to correct an error alert from their dispute page only to find out even after corrected that the dispute required me To mail in yet another copy of my ID, police report, etc etc. There is no central location for a consumers so literally every attempt at communication requires another ID and supported paperwork. Thats great if you offer a modern system that allows seamless verification or if in the alternative the XXXX mail system was reliable and timely. 

4. Several months later, I am still battling Experian to remove four accounts that are over XXXX years old and should have been removed long ago. ( XXXX XXXX, XXXX, XXXX and XXXX ). Additionally, there are at least four recent hard credit inquiries that they wont remove that are clearly not connected to me. The four accounts are the same ones that stem from the divorce now eight years ago and the inquiries are from the past year when the last thing I was doing was authorizing anyone to pull my credit.
Product: Debt collection

A credit line of {$300.00}, Indigo credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company XXXX XXXX XXXX , XXXX sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching Indigo as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both Indigo Credit Card and XXXX XXXX XXXX , XXXX .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.
Product: Debt collection

XX/XX/2020 @ XXXX MST. Gurstel Law Firm called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from Gurstel Law firm. The call came from XXXX ( Gurstel Law ). Was placed to my phone XXXX XXXX XXXX XXXX XXXX. Gurstel Law Firm specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED XXXX BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
Product: Checking or savings account

SHORT SUMMARY : I received a wire in payment for XXXX and I sent the XXXX. After that, the sending bank claimed fraud, and my bank illegally deducted the funds from my account and send them back to the sending bank, so I've lost {$36000.00}. According to UCC 4A-211, it was not legal for my bank to seize these funds, because wire transfers are final. 

DETAILS : My business is a registered with XXXX as a XXXX XXXX XXXX. I buy and sell XXXX. On XX/XX/20 I was contacted by a customer identifying herself as XXXX XXXX, asking to purchase XXXX. Because I hadn't done business with her before, I followed my XXXX  protocol by asking for photo identification, and I received a picture of Ms. XXXX 's driver 's license and a picture of her holding it. I advised her that the name on the wire from her bank had to match the name on the ID, she said it would, and it did. On XXXX XXXX my bank ( Chase ) advised me that the sender 's bank ( XXXX  ) had notified Chase that the wire was fraudulent, and was freezing my account. I advised Chase that the wire could not legally be recalled without my consent, and that I emphatically did NOT consent. Chase deducted the wire funds from my account anyway, on XX/XX/20, over my objections. 

I contacted XXXX who told me that the customer " might have been socially engineered '' and that the FBI is involved, but would provide no further information. I attempted to contact the customer but she has not returned any of my messages.

The wire was authorized because either the customer specifically authorized it, or else she gave someone access to her account, which legal precedent says constitutes authorization. 

Ally had a responsibility to vet the transaction with its customer but apparently failed to do so. Chase had a responsibility to not return the wired funds without my authorization but also failed in that regard. I humbly request that CFPB exercise its oversight authority to hold Chase accountable for its illegal action and to return my funds to me.
Product: Credit reporting or other personal consumer reports

I have already demanded to have these accounts removed immediately. I also requested proof that it was mine with my signature on it and address. They only send me a letter that says verified but no proof as to how and what was used to be verified as I have already filed a police report and sent it to them. All docs requested has been been sent to and received by XXXX, XXXX, Experian, and XXXX.
Product: Money transfer, virtual currency, or money service

My business utilizes Chase banking services for handling all business transactions. Recently, we transitioned to a new accounting software called XXXX, which integrates WePay as the processing company for ACH and debit/credit card payments. XXXX has confirmed the successful collection of our invoice payments from our client. However, WePay, the processing company, has abruptly closed our account without explanation, holding our funds totaling {$8600.00} ( {$8400.00} after processing fees ), as detailed in the attached correspondence. We have encountered no issues in the past, and WePay has provided no guidance or resolution regarding this matter. Despite efforts from both XXXX and Chase to find a resolution, no success has been achieved. As a small business, this situation severely impacts our day-to-day operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter around XX/XX/XXXX to XXXX, XXXX XXXX and Equifax here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with Equifax two in both of their major breaches in 2017 and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Product: Mortgage

Bank of America is holding {$12.00} XXXX attachment ) as Bank of America XXXX damaged my home. XXXX XXXX attachment ) roof, broke my front door down. I made a claim with my homeowners insurance company, Bank of America told me that they will foreclose on my house instead of releasing the funds owed to me. The police investigated the Bank of America XXXX damages and break in : The XXXX incident number ( XXXX ) was generated when XXXX of our officers responded to your property when a neighbor reported a suspicious person walking around the residence. 
The XXXX incident number ( XXXX ) was generated by XXXX XXXX at the time you spoke with him about the Bank of America XXXX XXXX burglary.
Product: Debt collection

XXXX XXXX XXXX XXXXXX/XX/year> I have no any utility accounts in XXXX XXXX California. I never lived in XXXX, I'm Identity theft victim, some one used my SSN number for registering utility account.
Product: Debt collection

XXXX XXXX XXXX XXXX : XXXX XXXX Collection amount : {$5600.00} Reviewed my credit and saw a collection amount of {$5600.00} reporting from the above company. 
No idea of debt or any agreement with said company. 
See screenshot attached. 
Company needs to send me proof via mail that I am in debt contract with them or remove account from collections.
Product: Mortgage

After numerous calls requesting a payment plan the representatives continue to try to push me towards a modification which would have increased my interest rate significantly. Finally a representative spoke to an underwriter to provide me with a payment plan. The company gave me a repayment plan that exceeded my monthly income making it impossible for me to make the payments.
Product: Credit reporting or other personal consumer reports

After sending repeated request from Trans Union the description of thier investigation along with thier method of verification via certified mail on the two disputed old accounts from the 3rd party debt collectors ; XXXX XXXX XXXX accnts 1 ) XXXX and 2. ) XXXXThey failed to send the information and just sent me a letter saying the accounts were accurate. I called Trans Union and spoke with a supervisor who told me Trans Union DO NOT conduct investigations and thats the Collection agency 's responsibility. They only submit the info given to them. The supervisor was not in the U.S.A and WAS NOT familiar with any U.S LAWS governed by the CFPB, FTC or any other U.S. government Agency.! Consumer Reporting Agengies have assumed a vital role and have a grave responsibility to report Consumer information to the best of thier ability with Maximun Accuracy. According to the Law " 15 U.S. Code 1681-i " Trans Union is clearly in Violation of the Law. The supervisor assured me that the 3rd Party Debt collector are the ones responsible for investigating the debt that they report and they can only give consumers the info thats given to them by the debt collector. This is not only violating Federal Law, but there's no way a fair / accurate investigation can be conducted if done by the 3rd party debt collector with very little information on a brought and sold debt.
Product: Debt collection

I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.
Product: Debt collection

XXXX, on behalf of Capital One, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both XXXX and CapOne.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I had a credit card called Care credit through Synchrony bank my credit limit was {$1500.00}. I had a balance of XXXX dollars and I paid it off this XX/XX/2019 As soon as I paid it off they closed my account stating that my credit to low and some other stuff that was supposed to be on my credit report.If that was the problem why did they allow me to get the card in the first place. I had the card over a year or so.they told me that I would have to go through the whole process again to get try and get the card back.