23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In spite of receiving my first stimulus check from the IRS via Direct Deposit, my second relief fund arrived via a pre-paid " Economic Impact Card '' provided by Money Network and XXXX overseen by Money Network Financial , LLC, XXXX XXXX XXXX, XXXX, GA, XXXX. Their customer agreement is available here : XXXX XXXX XXXXXXXX where it says " You may close your Card account at any time by contacting Customer Service . '' This is a lie. 

The provided customer service number, XXXX, has no option available for closing accounts, nor is there an option to speak to a human. I called on Tuesday, XX/XX/2021 several times. 

I believe this is a violation of federal law. 

I wish that I could close the account, and have their records erase my personal information, which is my right by law. 

I recommend that they be fined, and be barred from contracting with the US or local governments forever. 

Please prove that you are really for the consumer and not the big bank ( as it seems Congress is, by using this company in the first place instead of just using direct deposit ).
Product: Debt collection

XXXX XXXX and XXXX has not verified debt to me but are threatening to send negative information to my mortgage company as well as sue me for debt that I can not verify is mine. They gave me first four and last four of a credit card number which does not match any number I have. they have given me XXXX hours to submit signed documents and provide my credit card number to pay the debt on over the internet. This feels like a scam and I can not seem to find their business online. I am just trying to protect myself and determine if they are a real company.
Product: Credit reporting or other personal consumer reports

THE IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT IRS Publication XXXX Cat. No. XXXX Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) For use in preparing 2022 Returns. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. Or that 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I am submitting a complaint against Klarna & XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a Klarna prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to Klarna to dispute the charge. The Klarna transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by Klarna for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, Klarna kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that Klarna has reported me to a collection agency for a purchase I did not receive. Klarna failed to notify me that they were sending me to collections for a purchase I did not receive. 

Klarna did not help me with this issue as I reached out multiple times for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX, XXXX, and Experian requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX
Product: Money transfer, virtual currency, or money service

My phone was stolen on the evening of the XX/XX/2021 and they loged into my wells Fargo Bank AP and did five transfer using XXXX totaling XXXX Dollar 's and they won't refund my money I have a police report that I sent to them along with a receipt for the new phone I had to buy still nothing was done
Product: Credit card or prepaid card

XXXX XXXX I applied for a credit card with Wells Fargo. I did so because this card offered a balance transfer option for 0 % for 18 months. I have a XXXX card with a large balance. XXXX approved me but for only a {$5000.00} credit limit. That was not enough to pay off the XXXX card balance. 
On XXXX XXXX, 2019 I called XXXX to activate my new card and I instructed them to NOT make the balance transfer since I couldnt pay the entire balance. On XXXX XXXX, XXXX made the balance transfer anyway. On XXXX XXXX, a payment of {$4500.00} was posted on my XXXX card. The balance on my XXXX card is {$4600.00}. I did not want to transfer part of the balance where I would have XXXX accounts open with XXXX payments to make. 
I talked to XXXX earlier this week asking them to credit my XXXX card with a payment for {$2300.00} ( 50 % of what they charged me ) and I would assume the other half. They refused. They also told me that they had reached out to XXXX and asked the to refund the payment that XXXX made to them. XXXX refused. 
My current stance is that I want XXXX to refund to me the entire balance of {$4600.00}. That is my money they spent that I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two HARD INQUIRIES by CITIBANK on my XXXX  credit report that were not authorized ; I did not apply for credit with CITIBANK. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from CITIBANK hit on : XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting

TRANS UNION is reporting a fraudulent tax lien on my credit. Even though they have removed the other fraudulent tax liens
Product: Money transfer, virtual currency, or money service

I used CASH APP to secure a payment to a vendor for goods ordered. I never received the goods. I tried several times to request a refund through CASH APP and never received a refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Date of Birth XXXX XXXX XXXX  SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
The current payment status of 120 days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$520.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$80.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$420.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$690.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX with account # XXXX and a balance of {$140.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. 
Address proof sent. Please delete these items. 

Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXXdismissed, wrongfully filed under my social *****FTC report and ID and address verification attached***
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  My parent has the same name as me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. 
As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately XXXX XXXXXXXX XXXX XXXX XXXX Please ensure that all information is accurate XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate XXXX XXXX XXXX XXXX  - Account XXXX Please removed from my public record
Product: Checking or savings account

On XX/XX/XXXX I had received a text message from a scammer that I thought i was talking to my step dad. 

My mom the previous day had provided to me my step dad phone number for me to have because I was going to be somewhere else in PR and for me to contact him in case I could not get a hold of her. My stepdad phone number is XXXX but my mom gave me XXXX. 

I was not able to contact my mom and I proceed to text my stepdad. Me thinking it was my stepdad he proceed to tell me that he was surprising my mom and the gift he was trying to get her was expensive and he was asking for some help. I proceed to agree and asked how to send the money. He told me to transfer the money and I went to the Bank in XXXX, PR called Banco Popular and took the money out and made a transfer. 
then the person told me to purchase some gift cards but i was not feeling the situation and I realized something was wrong. I was on my way to meet with my mom and stepdad in XXXX XXXX XXXX and I asked my stepdad what was his number and he provided to me and I realized I was not txting my stepdad and I proceed to explain to my stepdad and mom what had happened. We immediately proceed to go the bank in XXXX XXXX XXXX ( banco popular ) and I explained to the teller what had happened. She advise me to call the bank I went to for them to submit a void. They voided the transaction and I submitted a claim. They return my money back and I was k. A couple of days later I notice they took the same amount out of my account. I proceed to call the bank and they advise me to submit another claim. An average of a week and half went by and I called the bank and they said the denied the claim. 

Up to last week this scammer has txt me. The scammer even had provided to me another bank account number because he wanted me to make a transfer to another bank. 

I have provided to Banco Popular all my text message and evidence that was a victim of a scam. 

I have provided all of my conversation and both numbers.
Product: Credit reporting or other personal consumer reports

i checked my credit score and it decreased. i noticed an auto loan and tried to dispute it because it is not mine. the report came back that the account was mine. i do not own this vehicle. the company says the vehicle was purchased in new jersey. i live in florida. i never signed anything or was in person to set up this account. i would like this account removed immediately. i also did a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX  in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX XXXX to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Product: Payday loan, title loan, or personal loan

I took out a {$400.00} loan on XX/XX/2019. I started paying them back in XXXX, and have been paying XXXX bi weekly since. I have paid this company almost {$700.00} and they are claiming tribal immunity, also saying my balance is still XXXX. How is that even possible. I have also added my name to a class action investigation where the company is being investigated for fraudulent use of claiming to be a tribal owned company. I have lodged a complaint with the XXXX as well.
Product: Debt collection

years ago back in XXXX i had a XXXX XXXX card for XXXX issues. back then i was paying XXXX dollars a month for a credit card that totaled around 5000 dollars. After a certain amount of time ( I believe 12 or 18 months ) they stopped accepting that amount and wanted XXXX which was impossible for me at the time. I reluctantly stopped paying all together. Money was a struggle at the time. Over the years I had not heard or paid anything for that debt. In the beginning months of XXXX I started getting business cards at my door ( i was never home when they came as i work full time ) In XXXX someone came to my employment to server me ( she knew it was me based on a picture from my XXXX for XXXX ) I made several attempts to contact the number on the paper work which finally i got a return call. basically they said i needed to pay at least a XXXX dollars and start making monthly payments. This did not seem legitimate considering they are trying to make me pay XXXX XXXX dollars. I'm certain this is past the statute of limitations. but i was scared and paid the XXXX and agreed to the XXXX dollars monthly ( against my better judgement ) which at the time i was told there would be no garnishment to my wages. Well low and behold i dropped off a XXXX dollar cashiers check to a shady PO box and the following week my paycheck was garnished for up to 25 % I've sent numerous emails with no response. at this point in time we are almost up to another XXXX dollars being taken out of my paycheck. I don't believe they honored what they stated and now i'm left trying to stay a float.
Product: Debt collection

NTL RECOVERY AGENCY Last reported XX/XX/2021 {$230.00} Open balance XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

Hello - I put in late payments dispute for XXXX  with XXXX XXXX XXXX and it was not investigated. Additionally, I have asked for old accounts to be removed ( well over 10 years since closing ). Additionally, I have bay country finance is reporting incorrectly and I have requested for it to be removed. I submitted over two formal disputes and they still remain and negatively effect my credit. Furthermore, I have asked that unknown associated addresses be removed, as I don't recall the address.
Product: Student loan

I went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default.