23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Southwest Credit Collections contacted me multiple times for weeks. I answered the following # ( XXXX ) XXXX XX/XX/2021 to find out they were asking to collect debt for equipment I allegedly owe with XXXX  upon asking for proof/invoice/evidence they could not provide me with any and informed me an email would be sent out but never received. I reached out directly to XXXX  billing and was informed that there is no debt on any of my past/current accounts and was informed that unless they could provide me with proof to dispute it. I contacted Southwest credit collections with that information and began to have go in circles with them they said they could not send out info but that I did owe and were making false dates
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 violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a Backgroung History was done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGa.XXXX, on this date I was interview fill out work forms, after waiting on my backgroung check, which I know I have never been convicted of any felonies, I was told on Tues.XX/XX/XXXX to start work on Sunday morningXX/XX/XXXXwed at XXXX XXXX, on Wed XX/XX/XXXX I was informed by XXXX XXXX XXXX in HR , XXXX that to disregard the work start because of my backfround History check, my attempts to contact XXXX XXXX was unsuccessful, a few days later I received a copy of this background history that is very incorrect, i have had several Backgroung checks and this the 1ST, first one that is incorrect, inaccurate, I have a copy of my previous Backgroung History and for the same case num # and different companies someone is reporting inaccurate information, this is awful, very unproffesional, i have a copy of my Background done by XXXX XXXX XXXX , dated XX/XX/XXXX and the exact same things that have been Misdemenors all of a sudden for XXXX they are now Felonies this is I will not accepts this, this humiliating, distrubing this information has been falsely modified by this company, i have had several background felonies checks for other companies and I have never ever been convicted of a felonie, i am reporting that this information given to XXXX is Inaccrurate , and be removed or corrected, iam filing a complaint, i have been licence by the State, i receive Gov asst.no felonies please correct this issuse d feloo
Product: Credit card

Capital one 's executive/fraud protection provides horrible service and inadequate protection for consumers. I have applied for XXXX credit limit increases and due to a fraud alert that is on my CBR, they have to call me to verify my identity. Their practices are antiquated and are not designed to protect the customer, but rather to discriminate and cause the customer undue hardship. They literally have it set up to call me once a day at the times I work. Due to me being unavailable at the time, they leave XXXX message, if they leave a message at all, explaining XXXX. I ca n't call them back to return the missed call, they ca n't call me when I am available, everything is centered around inconvenience and rude team members. I have taken this same complaint all the way to Capital one 's executive team last year in XXXX. I spoke with a nasty rude account executive and now I feel like Capital one is holding me hostage. I just have to take their subpar service and their is n't anything I can do about. At this point their practice needs to be investigated and changed. Clearly, they wo n't listen until a complaint like this is filed. I have attached a facebook conversation with capital one regarding this issue. Clearly they do n't care
Product: Debt collection

They are not removing the account from my credit report after already having a complaint filed against them. 

XXXX Complaint ID
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I contacted TransUnion via certified mail requesting a prompt deletion of unauthorized inquiries filed on my credit profile on the XXXX of XXXX I spoke with XXXX a supervisor and explain to her that I did not initiate the increase and spoke with the creditors and ask them to provide proof that I initiated the said inquiries at which time I was told that they will not be be removed unless I provide a police report or something from the creditors I have been in contact with the creditors but they have not reply or comply with my request for removals or a letter of removal XXXX told me it was my burden to prove that these said inquiries were inaccurate. When the you dipute item on your credit profile the cra has the duty to do a reasonable investigation and correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your disputes there are in violation of section 15. 1681.i of the fcra
Product: Credit reporting or other personal consumer reports

In 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 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) 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. 
XXXX XXXX XXXX XXXX! 
In 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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

On XX/XX/XXXX I saw an I authorized charge of {$280.00} in my bank account made payable to Bestbuy. I called the Dispute department and notified them. The lady was being nice and told me if I could get someone from Bestbuy to verify those charges were n't mine, we can start a claim ( she also found another one of {$320.00} back in XX/XX/XXXX ). I called Bestbuy and got someone to look high and low for those charges with my name, address, and phone number. They could n't match them to anything under my name. We called Chase together, but the man who picked up did not want to open a claim because he thinks Bestbuy should investigate the fraud. I argues that since it 's proven by XXXX from Bestbuy that those charges are n't mine, we can start a claim to get my money back. He kept arguing and at one point said " how did anyone have my info to give to Bestbuy? '' I questioned him about identity theft, and honestly, I think I was being accused of cheating them. XXXX even helped out and said we could start a claim, and at one point he agreed but told me I still ca n't possibly get my money back, because they ca n't prove fraud. I was beyond XXXX at this point. With Bestbuy people proved that i did not authorize those charges and this man is still refusing to get my money back. It 's not {$60.00}, it is together {$600.00}. And the one in XX/XX/XXXX ca n't be done nothing about because it 's " more than 60 days. '' I know people who went a year without checking their account. If the same thing happened to any of them, are they saying those people should just forget about their money since the bank ca n't do nothing about it?
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX I sent a XXXX  transfer of {$2900.00}. The transaction immediately stated pending review and the funds were removed from my checking account balance. I received a email on Thursday XX/XX/XXXX of the pending review and immediately contacted Bank of America on XX/XX/XXXX to see what is going on and If I can provide any additional information that could speed up the review to assist with my XXXX transfer completing. When I contacted on XX/XX/XXXX I was told there is no information needed from me at that time since the email didnt say to contact them. On the morning on XX/XX/XXXX Friday at XXXX XXXX I received a email stating to contact Bank of America regarding the transaction with a case ID in the email. I contacted them on XX/XX/XXXX at XXXX XXXX and spoke with someone and provided them all of the information requested and let them know the urgency of the request as it relates to my Wedding. They let me know that they can not provide a timeline but that most likely within 2 business days this should get resolved. Today Monday XX/XX/XXXX, I contacted the same phone number and spoke with someone named XXXX who was rude and unprofessional speaking over me on the phone and requested an update and he responded saying that today is the first business day this case has passed and that there is no update and I requested to speak to a supervisor and was connected to XXXX who stated that there is no escalation path to expedite the review of this transaction, and that there is no way to intervene for a customer to escalate the delay or expedite in any way. 

I also would like to mention this transaction review was initiated by Bank of America over XXXX discrimination due to not understanding the language written in the comments of the XXXX  transaction which was in XXXX  written with XXXX letters, where as my transactions with comments in XXXX written in XXXX get transferred immediately, but in this case due to it being written in another language the transfer is now being reviewed. This situation does bare resemblance to the case CFPB handled with the discrimination of XXXX  Americans by XXXX that was announced by CFPB in XXXX, and this is unacceptable on part of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

Experian- Reporting XXXX, XXXX XXXX  - Reporting XX/XX/XXXX XXXX  - XX/XX/XXXX But they keep hassling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX  the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX   and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from XXXX  and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX  at XXXX  and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

Ally referenced Sagestream is owned by XXXX so to drum up more business Sagestream XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe Sage is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened a Best Buy account XX/XX/XXXX, the credit card was issued by XXXX, Citibank. After filing for a divorce in XXXX I was unable to continue making payments, my last payment was XX/XX/XXXX. Shortly after this Citibank reported my account CLOSED, yet then reported to XXXX that I was late 73 months. However, Citibank then reported to XXXX that I made a payment in XX/XX/XXXX ( which is absolutely not true ). This is their attempted to keep reporting this CLOSED account beyond the legally allowed time of 7 years. 

I have made repeated attempts to contact Citibank and the only reponse I got was a form letter stating they could not identify me. The outstanding amount is {$650.00} and it has been since XXXX of XXXX. I don't understand how they could continue to report the account late when by their own reporting it has been closed since XXXX. 

I have worked extremely hard to restore my credit after a horrible divorce and have almost perfect payment history since that time, Citibank is absolutely impossible to contact and I can't get them to obey the fair credit reporting laws.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX ) XXXX that stated I was having two allegations from XXXX County which I then begin to panic. The gentleman provides me with a reference number XXXX, and a phone number to call XXXX XXXX XXXX XXXX. I call the number and Im speaking to some girl and provide her with the reference number and she begins to tell me that ACE cash express is filing legal proceedings for two allegations against me for : 1. Broken legal contract on failure to repay the loan, and 2. Attempting to defraud ACE because I knowingly failed to repay. I am completely unaware and blindsided by this that I explain to the lady that I never received any mail in regards to this as I do not receive mail at my physical address, and that I use a PO Box . She stated that I would have to pay upwards of {$3000.00} if it were to go to court and I would have these marked in public records making it hard for me to get a house or new car, etc. I ask her if there is any way to take are of this issue and she stated that she would talk to her legal advisor. After being on hold for 1 minute and 30 seconds she comes back on the line and says that they are willing to settle and not take me to court if I paid {$1800.00} to the company by the name of XXXX XXXX. After stating that I couldnt pay that now she was able to make a payment arrangement of {$450.00} bi weekly that would be drafted from a company named XXXX, but I would have to secure a debit card on file. None of these companies match or correspond to anything I have ever heard. After I asked if I would be receiving a receipt or some type of document stating my name and who I was paying to and the amount she stated, the best I could do for you is give you a confirmation number. I began pressing the issue and she stated that upon completion of payment for the entire {$1800.00} I would receive an email attached with the deferred documents and legal action would no longer be taken against me. I mind you that the initial loan was only {$200.00} on an account opened in XXXX of XXXX! This is mind boggling, and I feel shaken in my boots because I have never been notified of this issue. I feel like they waited so long, if this real, just to get more money out of me. I dont know what to do. Ive never been in any legal action and I feel threatened, worried, and confused. Also, when I asked if XXXX County, the county I reside where the loan was initially taken out, would have any documentation of this issue she stated, feel free to reach out to them. I also asked for another phone number to call and she said that they would be the company proceeding this matter. This is crazy and I need help.
Product: Checking or savings account

I called into the bank cs line tos we why I couldnt reset my password talked to XXXX and it wasnt allowing the bank directly to send me reset passcode. I asked to speak to his supervisor he refused and just transferred me to the regular automated cs line after being on hold for about 10 minutes waiting. I called back talked to another lady who said my accounts were being closed without giving me any explanation or access to the secure messages to see why my accounts were closed
Product: Student loan

I am currently dealing with Nelnet for my student loans. I have about $ XXXX in student loans through them for undergraduate and graduate school. 

I have applied twice to switch my plan from my current income driven repayment plan to the new SAVE plan in an effort to lower my monthly payments. My current monthly payment is about 1/4th of my monthly income. I absolutely can not afford that, which is why I tried to switch to the SAVE plan ( twice ). My monthly payments have not changed at all.

I have called and called and called their call service. I have spent hours and hours on the phone only to never be able to talk to someone. I have been told by their pre-recorded line that they are closed, despite their website indicating that they are open. This has to be the worst customer service I have ever experienced. I have tried their online chat system to attempt to remedy the issues, only to be told that I need to call them. 

I am out of options with them. If I am unable to lower my payments I won't be able to pay my mortgage, my car loan, etc.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

square said they sent a refund for my customer. I have proof refund was taken back from square via bank. square wont tell me where the missing money is and also in writing told me they would not be helping