23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received notice from XXXX XXXX XXXX, XXXX that I owed XXXX on XX/XX/XXXX. Notice was dated XX/XX/XXXX. Creditor named was Cascade Capital Funding , LLC. Received no prior communication from Cascade Capital Funding , LLC and was entirely unaware that they were attempting to collect debt. XXXX XXXX XXXX , XXXX claimed it was from services rendered XX/XX/XXXX by XXXX Hospital ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ). 
Received bill for this hospital visit XX/XX/XXXX. Confirmed with XXXX  through XXXX XXXX on XX/XX/XXXX that the bill was paid in full as of XX/XX/XXXX. 
Filed additional complaint against XXXX XXXX XXXX, XXXX on XX/XX/XXXX as I am not sure who is committing the fraud.
Product: Credit card or prepaid card

Re : XX/XX/XXXX charge of {$1600.00} with XXXX  XXXX on a new Apple Credit Card for 2 x hotel rooms. I have spent at least 5 hours of detailed chat, phone calls and follow up ( always from me - never from Goldman Sachs ) for the last 5 months chasing a resolution. I do not believe any effort was made to reasonably resolve the situation or even work on a make good nor do I above an evidence of this. As quickly as within an under an hour of the booking being made I attempted to cancel due to one of the parties family illness and being unable to travel from UK to USA for the hotel booking. Through the many follow ups from Apple and Goldman Sachs I was told the charge was in dispute then told it was moved to 'elevated dispute ' as many as 3 times on different occasions. This was always after long waits and by pro-actively supplying same details and with the intention of a resolution. I never have one communication from Apple or attempt to resolve or understand my issues properly. On XX/XX/XXXX I have begun to being charged interest. At no point have I been called or emailed or sent any updates on any of my dispute. I have gone out of my way to provide all information and feedback to assist Apple/GS in resolving. My experience has been that none of the information or customer notes has been coherantly stored about the dispute which has made the process extremely frustrating. My most recent GS/Apple chats via the apple wallet confirmed that the charge was sitting in 'elevated dispute ' then when I have followed up again today XX/XX/XXXX .. I am being informed that the dispute was made in favor of the merchant. However I have the chat dialogue from the app which notes the case is in " elevated dispute ''. So we are running around in circles and this is really causing me a lot of concern and stress. I have advised Apple/GS that I will not be paying the interest ( Or the base charge ) and that we seem to be at an impasse and I will be taking this to the CFBP. It has been my understanding via many years or credit card and banking that the credit card merchant should always be acting on behalf of the customer. This has not been the case at all with Apple Card/Goldman Sachs. I would hate for anyone to waste the hours and carry the burden and the stress of dealing with these people. I think people need to know this is not a company/product that is committed to the customer its just about money and not listening or valuing its customer base.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.
Product: Student loan

I have two big issues with Ed Financial. 
1 ) the larger issue is that I have been working for a government approved agency since XXXX. During the COVID pause on federal student loans, my counts have not been updated. I have requested that the forbearance that was given during this time should be updated and it has not. I have been reassured that the counts will be updated. I have seen other people have their counts reflect the pause and I have not. There are four years worth that should be updated. 
2 ) I had my payments restart in XX/XX/XXXX. I made 8 payments before the current court injunction lead to a forebearnace where counts will not be given. I have 8 receipts of payments deducted from my account, but Ed Financial only shows 3 payments in their system of the last 24 months. This is ridiculous that actual money was deducted and they havent counted these toward my count.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System LLC knowingly reported to the credit bureau a balance XXXX  for different amounts and different years. XXXX  the amount that is not owed and they put a hard credit inquiry on my report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX has this account listed as XXXXXXXX XXXX XXXX  / ACCT XXXX XXXXXXXX, Equifax has this account listed as XXXX XXXX XXXX ACCT XXXX XXXX
Product: Debt collection

The name of the company is Northstar Location Services LLC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX This person and other agents have called every Monday and Wednesday for 3 months straight. This person and the company has called my husband harassed him. 
On XX/XX/2020 @ XXXX XXXX  CST XX/XX/2020 @ XXXX XXXX  CST She called my corporate office for my employer in another state. 
Stating to them they must tell me to call them. They stated they have a file with information give to my attorney on a personal sensitive matter. They said they would come to the facility to execute the notice. They call my house and my cell phone on Mondays and Wednesdays 4 times each of those days. I do not have a notice from them, nor are they on any of the 3 credit reports as a debt. I am not sure who they are.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report leaving inaccurate unverified accounts unresolved CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to the furnishers accepting unreliable responses and failing and failing to adequately to notify consumers of disputed outcomes these failures aligning with my experience where Experian has neither corrected or removed disputed items dispute the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal laws and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that IQ DATA INTERNATIONAL is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that IQ DATA says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XX/XX/XXXX. on XX/XX/2019 I spoke with an IQ DATA representative by the name of XXXX and her supervisor name was XX/XX/XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.
Product: Credit card or prepaid card

I booked a car rental and paid up front in full including all fees thru XXXX in XXXX. 

I then returned the rented car with XXXX on XXXX. 
XXXX charged me superfluous extra fees which actually exceeded the price i initally paid in full with XXXX. 

I contacted XXXX and XXXX who would not help. 
I then disputed it through my CC BoA. 
I was credited back the false charge. However, I still keep getting a bill of charges from XXXX and i can not find anyone in BoA to help me. I want to be proactive about this to protect my good credit. It has been well over 90 days since i opened this dispute. It seems after investigation, the CC BOA as sided with me. How can i get XXXX to stop billing me and sending me to collections? Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX  on XX/XX/XXXX then I see another one from a XXXX XXXX dealer also on XX/XX/XXXX and I see another one and XXXX XXXX  also XX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

I opened a savings account with Chase bank on XX/XX/XXXX through a link in an email advertising a {$200.00} bonus if I kept {$15000.00} in my new savings account for 90 days. The email explicitly stated that if the account was opened through the link that the coupon would automatically be applied. I accidentally opened two accounts, so in the process of closing one of the accounts through customer service I verified that the coupon had been applied to my new accounts. On XX/XX/XXXX the account had more than {$15000.00} in it. The balance did not drop below {$15000.00} until XX/XX/XXXX. On XX/XX/XXXX I called XXXX to inquire about my {$200.00} bonus. They informed me that I would receive the bonus on XX/XX/XXXX, at which time I would have satisfied the requirement to keep {$15000.00} in the account for 90 days. I did not receive the bonus and messaged XXXX on XX/XX/XXXX. They claimed that I had not applied the coupon to the savings account, despite me explaining that I had created the account through a specific link that automatically applied the coupon, and had XXXX instances of confirming that the coupon had been applied with their customer service representatives. It was only once I threatened to file a complaint through the CFPB that the coupon was finally applied to my account.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My checking account was hacked and a total of {$1400.00} was fraudulently withdrawn from my checking account ..I made 2 claims, the claim # is XXXX for the lost {$1000.00} and bank records will show my claim of {$440.00} the day of the incident. I was told I would be given a provisional credit, to which I have not received. The bank closed the hacked account for security reasons and reopened another checking account. 

I am a victim of a crime XXXX from losing my purse. Funds from my checking accounts were stolen. I am facing a hardship and need my account credited. I am Requesting the rules and regulations concerning provisional credits and the time frame allocated for such credits.
Product: Debt collection

i never got any correspondence from this collection agency, never heard of them and I would like for it to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST XXXX XXXX WAS DELETED OFF MY REPORT AND NOW MY REPORT WITH EQUIFAX HAS BEEN WIPED CLEAN AND PREV NEGATIVE HAS BEEN ADDED BACK. THE Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing in which hasnt been done and now requires a break of law.
Product: Money transfers

Western Union is denying money transfers services between myself and XXXX XXXX in XXXX. The money that I transfer is from Social Security and part-time employment as a Customer Sales Associate for XXXX XXXX XXXX in XXXX, XXXX. All money transfers that I send are intended to pay for rent, food, medical care and comfort for XXXX, my XXXX yr old biological son, XXXX XXXX XXXX XXXX and her XXXX yr old daughter XXXX XXXX XXXX. My intent is to marry XXXX. Our XXXX Attorney was not able us annul so I unknowingly left XXXX XXXX pregnant in XXXX and returned to XXXX to for XXXX Immigration, and Legal Help needed for money, healthcare and legal representation so we can marry ...
Product: Credit reporting, credit repair services, or other personal consumer reports

the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit {$10000.00}. 
Bank of America $ {$4000.00}. 
XXXX XXXX {$2000.00}. 
XXXX XXXX {$17000.00}. 
XXXX  {$3000.00}. 
XXXX XXXX {$3000.00}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - XXXX XXXX XXXX XXXX XXXX - it was a mortgage company, please remove Regardless, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts
Product: Debt collection

XXXX XXXX failed to send me a letter of validation with shows my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Debt collection

Base on your last reply, you sent breakdown of debt/charges. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my SIGNATURE from T-Mobile. A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXXXXXX XXXX XXXX XXXX collection for {$2700.00}. 
Account # XXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX XXXX XXXX  insurance collection for {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX contacted TransUnion to dispute XXXX XXXX XXXX # XXXX ( CFPB Complaint : XXXX ). TransUnion, XX/XX/XXXX, Resolution Summary reflects disputed accounts DELETED. XX/XX/XXXX TransUnion Credit Report ( File Number XXXX ) reflects XXXX XXXX XXXX # XXXX TransUnion allowed a previously disputed, investigated, and deleted adverse account to be reported in my file. After I provided proof that this is not a valid debt as described in XX/XX/XXXX compliant this debit is not owed by me nor is it my responsibility because is was a bank error and payment was offered to the original credited on numerous occasions but rejected. Additionally, Federal and State laws provide for removal of false or inaccurate information on credit reports.  XXXX  XXXX XXXX  and XXXX XXXX XXXX, XXXX XXXX XXXX fraudulently reported an outstanding debt to XXXX after the court dismissed the case due to Georgia XXXX XXXX XXXX offered by the bank and myself to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and rejected. I am seeking damages from TransUnion for not permanently removing a previously deleted account from my file. TransUnion is allowing fraudulent practices of resubmitting the same report when it has been determined the original report was false.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Complaint Against Chime for Unresolved Unauthorized Transaction Dispute Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chime regarding an unresolved dispute for an unauthorized transaction.

I noticed an unauthorized transaction of {$510.00} on my Chime account. Acting promptly, I filed a dispute with Chime, providing all the necessary details and documentation to support my claim. The dispute deadline was set for XX/XX/XXXX. 

Regrettably, as of today 's date, XX/XX/XXXX, my dispute remains unresolved, and Chime has not provided any updates or resolution regarding this matter. I have diligently contacted Chime through their customer support channels, including phone and email, seeking assistance in resolving the unauthorized transaction. Unfortunately, I have not received satisfactory responses, and the funds in question have not been credited back to my account as well as they have improperly closed my account. 

This prolonged delay in resolving the dispute is causing financial distress and frustration on my part. I believe that Chime 's failure to address and rectify this matter in a timely manner is in violation of consumer protection regulations. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and take appropriate action against Chime for their failure to resolve the unauthorized transaction dispute within the stipulated timeframe as well as erroneously closing my account. Additionally, I seek your assistance in ensuring that Chime promptly refunds the disputed amount and provides a clear and transparent explanation for the delay. 

I'm willing to provide copies of relevant documentation, including my dispute filing, communications with Chime, and any other supporting evidence. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address and resolve this complaint.
Product: Credit card or prepaid card

I am a couple days late on my credit card account and commenity bank are calling me 6 times a day. When I called to ask them to stop calling me an abusive amount of times, they told me they can call me 7 times a day, which is illegal. They were unwilling to call me less than