23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So I get this debt that XXXX XXXX XXXX XXXX claims I owe them {$210.00}. Thats funny cause I spoke to their CEO on this situation, they claimed they would make it right. I mean how man times does a hospital misdiagnose people, I mean lets take example here when I come down sick they walk in take my XXXX listen to my XXXX and say I have an XXXX XXXX  XXXX how do you diagnose that, so at this point I get a 2nd opinion from another medical facility that took the time to run the tests, they examined my XXXX even doing an XXXX of my XXXX. They found nothing wrong within my XXXX but they did find out that I had XXXX XXXX and an XXXX XXXX. 

So after speaking with the Parent Company of XXXX  XXXX XXXX XXXX  and their CEO and their Director of Emergency Care they both claimed they would make this right but apparently that must have been a lie right to my face cause they wan na charge me for WHAT misdiagnosing me, maybe I need file a complaint with the TEXAS MEDICAL BOARD cause this hospital constantly misdiagnose people, nothing against the company its the staff the needs to be overhauled
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 tale timely and effective measures to prevent and address fraud on their platform, leaving my 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.
Product: Money transfer, virtual currency, or money service

Account was frozen sent in id and they said they are going to close the account and hold money for 180 days but its my money and I need to use it its XXXX $ and they said they are holding it for 180 days I just need my money I dont care about the account being closed
Product: Debt collection

Credit Control, a collection agency, contacted my place of employment as well as my boyfriend ( who is not involved or listed in the debt whatsoever ) regarding an old debt that is currently being handled by a debt consolidation company. Both of these phone calls to occurred in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the XXXX data breach, my wife and I spent hours trying to 1 ) get our credit reports from Transunion, XXXX and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from Transunion and XXXX on line but XXXX is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call Transunion to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. XXXX should be paying this not us as they made the XXXX up. This entire process needs to be shut down.
Product: Credit card or prepaid card

On XX/XX/2021 I paid my bill online and in full at XXXX. The payment was not processed until XX/XX/2021, the day after the payment was due. I was charged a {$29.00} late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date ReportedXXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect that a debt collector has intentionally re-aged my debt. This is a XXXX XXXX XXXX debt, from XXXX, that was closed and written off by the original company. Following this, it was deleted off all my credit reports. Now, years later it has popped back up and with a date of origin in XXXX. This is not remotely accurate.
Product: Checking or savings account

bank of America continued to allow old phone numbers to be able to verify account owner and status, even after I had requested several times to stop and disclosed on at least 20 occasions that the numbers the representatives were going over with me were no longer valid numbers no did they belong to myself any longer so it made zero sense why they did not protect my over 15 times compromised account business and personal. I faxed several documents to outline and support my claims for fraud. They denied my claim yet did not provide any feedback or reason why they do not consider the ability to port an old number belonging to a account holder and at one point in time was used as a contact to the myself and able to confirm verification of identity to gain access to banking information. The ported telephone number can be ported out to a new service and especially a acquaintance or broken-hearted Ex boyfriend can utilize that ported number to gain access to all my private banking and financial information with not just the bank but any of companies, organizations that utilizes phone verification to confirm identity before releasing very personal information. I can follow up with dates but all my paperwork is in storage due to all the fees and force close of my buisness account i am homeless now living in my car
Product: Debt collection

This account was opened on XX/XX/XXXX and closed in XXXX of XXXX. I have spoken to representatives for Regional Acceptance and both representatives have informed me that there is no debt to collect. This is affecting my current credit due to it showing up only one my XXXX as the current status being a charge off. I would like this of my credit but unaware how what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the company is KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX they scammed me of my hard earned money and also reported bad payments on my credit they destroyed my credit and I cant seem to talk to no one, there is no office I know its a scam they need to be investigated
Product: Credit card

New card came in mail separately from letter thanking me for opening new account. I called company and we immediately got problem resolved and account closed.
Product: Credit card or prepaid card

I called Wells Fargo and was transferred several times. A person by the name of XXXX XXXX is using my address at XXXX XXXX XXXX in XXXX Texas. She has her mail forwarded to another address ; however the US Postal service provides me with a scanned mail before it gets forwarded in another address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : FCRA Violation Failure to Update Account Information Dear TransUnion, I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) concerning the failure to accurately update my account information on my credit report. 

My details are as follows : I have identified the following issues with my credit report : XXXX. XXXX XXXX account Information is inaccurate. That account was fully paid off on XXXX with a {$0.00} balance and your company has failed to update it. I already spoke with Submit about this account that they have already submitted to your company. Your company states that you update information everyday.

Under the FCRA, you are obligated to ensure that the information you report is accurate and kept up to date. The failure to update this information is a direct violation of my rights as a consumer.

I request that you take immediate action to : 1. Investigate the inaccuracies in my credit report.

2. Update my account information to reflect the correct status.

3. Provide me with written confirmation of any changes made.

I appreciate your prompt attention to this matter and look forward to your response within 10 days if not corrected I will pursue legal action.

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have disputed this account : XXXX XXXX XXXXXXXX with XXXX # XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and it should be removed but I could not get any help. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a c consumer that the consumer identifies as information that results from an alledge identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete this item as soon as possible!

This account should not be furnished on any consumer report as they are in VIOLATON! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with th WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX      - Notified by  XXXX  that someone had tried to open an account fraudulently     XXXX   XXXX   XXXX     -  XXXX  did  a 3-way  call with Comenity Bank,  XXXX , and Me to have this removed    XXXX   XXXX   XXXX    - Comenity Bank stated they would contact the credit bureau and have the hard inquiry remov ed   XXXX   XXXX   XXXX   -  Received a letter from Comenity Bank stating to give it 45 days to have the inquiry removed Contacted  XXXX  4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today ,   XXXX   XXXX   XXXX      it has now been 63 days since this happened.
Product: Credit card or prepaid card

Got a call from random person, saying they are working for some agency that help consumers to eliminate credit debts because they are paying too much interest. They told me not to pay any credits company such as Chase, and other credits card companies for 1 year and they will help me take care everything for me. They were sound very convincing and professional so I fell into their trap So on XX/XX/2021 XXXX XXXX charged me for {$3000.00} as a service fee for help me to eliminate Chase credit card debts. 
I did a research online and realized that these might be a scam, so I contacted Chase credit card to ask for disputes. I also emailed XXXX XXXXXXXX asking to cancel, but not reply at all. So Chase denied my dispute despite that I sent them the supporting documents that I emailed XXXX XXXX To reopen the dispute, I have to fax Chase a letter explaining the details. I sent to Chase a letter about 4 times, and I got denied from Chase every time. Chase told me to call the company and I did, but I always run into voice messages and I left my phone ask XXXX XXXX to call back, but never get any calls back. Chase doesn't want to work hard to help my dispute to get my money back from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed paid off account with XXXX XXXX XXXX XXXX  from XX/XX/XXXX  that is inaccurately reporting a late payment on XXXX, XXXX and TransUnion. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Transferring {$1500.00} from XXXX, TX to XXXX, XXXX, XXXX. 
Transaction started from XXXX XXXX # XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX was blocked ( got phone message ). 
Called XXXX number from WU message, operator cancelled transaction without any additional information. Got reference to Terms And Conditions on WU website. Did not find any information on why my transaction was cancelled
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Credit Acceptance Corporation regarding an account that I do not own. I was a victim of identity theft and there were some fraudulent accounts opened up under my name. I have provided documentation such as the FTC report and Police Report which states all relevant information. The company refuses to comply with the legal documentation and is falsely reporting a fraudulent account on my credit reports which is giving me living hardships for a home and a car.
Product: Credit reporting or other personal consumer reports

n accordance with the fair credit reporting act. The list of accounts below has violated.. my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXX .... XXXX  # XXXX .... XXXX ... .. # XXXX .... XXXX .... # XXXX ... XXXX .... # XXXX... 
XXXX XXXX XXXX  ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX ... # XXXX ... .. XXXXXXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX .... # XXXX ... .. XXXX XXXX XXXXXXXX .... XXXX ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX XXXX XXXX. 15 u.s.c. 1681 section 602 A. State 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 an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Money transfer, virtual currency, or money service

SquareXXXX is a credit card processing company for small businesses and XXXX XXXX, used for accepting payments. 
I work as a XXXX XXXX and I don't usually use SquareXXXX  as I typically only accept bank transfers as payment. I used it one time to accept a payment and my funds are now being held, which is causing undue strain on my finances. 

Here are the details of the incident : date of service/charge : XX/XX/XXXX description : a client wanted to pay their balance via credit card, and I used the SquareXXXX  app to accept their payment. 
amount : {$1000.00} On XX/XX/XXXX, the company SquareXXXX notified me via email that my account has been suspended and that my funds are being held for 90 days until XX/XX/XXXX. 

XXXX XXXX XXXX depending on these funds for my livelihood, it is not sustainable for my funds to be held for this long. 

XX/XX/XXXX : I called SquareXXXX  customer support and got an automated message that my account is deactivated and I am not eligible to speak with customer service. 

XX/XX/XXXX : I called SquareXXXX again, using somebody else 's phone as my phone number caused the automated message described above. 
I was told that there is nothing they would do to expedite the process of releasing my funds. 

I have a contract and deposit from the customer relating to this sale, SquareXXXX was only used for the balance payment. 

I would appreciate your help with this, as it is very difficult for me to have these funds suspended XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

I applied for a CItibank Secured  card on XX/XX/2019. The application ID was XXXX. 

On XX/XX/XXXX, Citibank debited {$1000.00} as security for my card. On XX/XX/XXXX, I received a letter stating that the account had been approved and a card was issued, along with the last four digits of that ISSUED card : XXXX. The letter stated the card would arrive in 7-10 days. As of XX/XX/XXXX, the card had not arrived. I called the toll-free number and the first agent told me that the card was never sent out, they had a problem with the card manufacturer. The second agent, a supervisor, told me the card was printed and should be arriving on XX/XX/XXXX. 

It is my understanding that this is one more way for Citibank to make money ... by delaying the issuing of the card, they can " sit on those funds '' and earn interest. While they've kept my money for three weeks, I've received no access to those funds. I was then threatened that if I canceled my card, it would take at least THREE WEEKS to return my money - so effectively, I am stuck. They will have my money on hand for a month and maybe, I will actually get the card. 

I asked to have the card sent overnight since it hasn't gone out yet and they said it " Must go by mail to establish residency '' I explained I already have another Citibank card at the same address and therefor residency, and my profile are established. I was told that didn't make any difference. Then she told me the card had been sent today after telling me it wasn't sent at all. 

I have zero trust that Citibank will be helpful. I would like a copy of this forwarded to the Comptroller of the Currency as well as my understanding is that a financial institutional can't withhold funds. 

I sacrificed to part with {$1000.00} of my money to help work on my credit. I have an XXXX XXXX XXXX son that I support and now have nothing to work with as my card hasn't even been sent yet. How can this be legal? 

There was no disclosure telling me that I wouldn't have access to my funds through my card for any more than the stated 7-10 days. By the time I get this, I will have been without access to my money for a month.
Product: Debt collection

Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit card

Syncrony and Care credit and Lowes are now charging {$2.00} a month for a paper statement WHY? I should not be penalized to request a paper statement when NO credit card company has gone out of business that I know of.What if I didnt have a computer to get the statement?
Product: Credit card

This is tied to my other dispute with Concora XXXX. 

My initial dispute was simple. After having the card a bit and using it, they locked it and wanted me to fax my license to some random number. The person on the phone was foreign. I was not trusting sending them my license. It made no sense. I used it at XXXX and a couple websites I believe. Either way, it's been used in my area right around my home address and a couple websites. 

They want to not provide credit. That is fine. 

I can not pay off my bill online. They have provided no means of payment. For THIS, I filed a dispute on XXXX. I did NOT claim that the account was not mine! In their reply to my other dispute on here, they said they filed an identity theft investigation due to me claiming the account not being mine. That is not the case. I chose the option closest to what fit the situation, as I have done on here. I apologize if it does not correctly fit. 

This is petty revenge to inconvenience me for telling the truth. They can complete their investigation. I've nothing to worry about, except more credit issues due to them. 

I do not understand why they will not just let me pay my bill. 

You can lock a card and still allow people to pay their balance. Their credit score is not hurt. You do not lose money. Would a thief care about that? Anyway... Try to be professional in your response. This is annoying enough. I should not be struggling to find a way to pay you nor be facing false investigations due to filing a dispute against your practices. 

If you really don't want your money, I can't stop you. My credit score will eventually recover. 

Or you can let me pay online. 

Also, modern websites verify ID online, real easy. I even have a boyfriend that codes them. To have to fax a license to a place that stores it in file cabinets instead of encrypted format is unacceptable and the reason for me refusing. It is insecure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CAREFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVED FROM MY ACCOUNT. IT HAS BEEN SEVERAL MONTHS AND XXXX   CREDIT BUREAU ARE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE.THE LAW IS VERY CLEAR AS TO CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTION 616 & 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVE THESE FRAUDULENT ACCOUNTS WHICH WERE OPEN BY THE THEIF AND NOT ME.PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENITY THEFT VICTIMS.