23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old debt owed to American Express. I recovered financially and wanted to pay off and clear my old debt. An " American Express Debt Collection '' company ( authorized to use the AMEX logos and represented as an agent of American Express ) looked up my employer phone number and repeated started calling my workplace. Repeatedly they had the receptionist " page the whole office '' to get me on the phone. This caused me very real conflict with my Broker in Charge and potentially jeopardized my license to do business as we have a fiduciary duty to the public and debt collectors calling and paging me at work is ILLEGAL. 
Because of this stress, duress, I called American Express and PAID A FULL SETTLEMENT they asked for to clear the debt and credit reports. 
American Express did not settle or clear the debt as agreed. When disputed, they also then reported the TOTAL DEBT and did not account for ANY OF MY PAYMENT. 
NOTE : this debt was very old, near the 7 year expiration, but I worked in good faith to try and settle. 
Now, they have sent me a tax form that I owe them money or have a credit I must report for the difference THEY AGREED TO. 
I was mislead, and they have broken various collection rules in this process. 
I would like this all REMOVED FROM MY CREDIT report at this stage as I have tried, and tried, all reasonable steps to work with them and they are being very unfair about handling this long past account.
Product: Checking or savings account

I just opened a Wells fargo complaint XXXX few days ago and the company just closed it stating that the promotion code was not added at the time of opening the account which is nothing but just utter non sense. At the time of opening the Business checking Account I made it sure that the Bank Employee enters the Promotion code and it was a XXXX guy, I also called the customer care and they agreed that the promotion code has been entered and it is just the matter of 60 days and then I will get my Bonus. This is non sense. What kind of bank it is?
Product: Money transfer, virtual currency, or money service

My PayPal is XXXX For the last week, Ive had my time wasted on the phone with PayPal. First my money was on hold for 10 days. Then once it was available, it made me send a photo of my ID and SSN to verify my account. It took me hours to do so. Then, once my account was ALREADY ID VERIFIED, when I tried to withdraw my money it asked me to scan a photo of my ID and take a selfie of my face so they could match them together.

I did this in a well lit room and it was green lit and said it was supposed to be ok. Then it failed to match my face with the id. I was furious when I called back PayPal and they told me I would be locked out for 72 hours, and then I would have to try again. I asked them if it could be overridden since I ALREADY VERIFIED MY ACCOUNT and CLEARLY HAVE ACCESS TO IT, and they told me I would have to wait 72 and try again. I asked them what I could do if it didnt work, and they told me I had to wait another 72 hours and try AGAIN. I was absolutely livid, because I know its NOT gon na work, since it didnt work the first time and I did it the best way possible. PayPal automated systems are absolute garbage, and when I tried to reset my password, it would give me an error each and every time and I had to call an agent to do it manually. This is gon na be the same exact thing, I know. They cant possible tell me that someone in an ID photo is gon na facial recognition match automated when a selfie distorts the face, I look different, and an ID photo is done professionally shot. 

This is a ridiculous and convoluted system obviously put in place to make it hard for people to withdraw their money so they go ahead and use a PayPal debit card or credit card instead of being able to send it to their bank. This is absolutely disgusting and should be illegal. Not even banks ask to scan your face and an ID, and with a useless system that doenst work on top of it. Really losing my patience.
Product: Credit card or prepaid card

I recently had an extremely frustrating experience while attempting to resolve the card usage problems with this card issuer. A fraud security hold was placed on my card which is reasonable and happens at all times when I was making a large purchase. However, the bank was outright hostile to work with when I attempt to unfreeze the card so I can continue using it. 
* They have been refusing to call me at the phone number listed on my account during to verify the charge with me * They have been refusing to email me at the email address listed on my account * They refused to contact me at an alternate cellphone number I have provided * They have been making false and completely absurd claims about why they can not call me ( something about my phone being XXXX? 1. it's not 2. how does that matter? ) * They demanded to send a letter to my house with a crucially important verification code which is probably the single least secure of means to communicate : letters easily get lost, and can get easily intercepted. Needless to say it's terribly slow and inefficient.
Product: Debt collection

Ive contacted dignifi plenty of times to tell them that isnt my account and they refused to help me out, they have bad customer service talked to me very rudely Ive been trying to get help from them for month everytime i call they hang up on me this isnt right i contacted XXXX XXXX and XXXX they wont help either dignifi has ruined my credit score very badly i worked too hard and long to get a perfect credit score and they just damaged It over night they say i owe something i dont even have which is over XXXX dollars
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of an account on my Equifax credit report, as this account has already been removed from my XXXX report. The account in question has been previously listed by XXXX, but they have since deleted it from my report. In the interest of accuracy and consistency, I am requesting that Equifax do the same and remove this account from my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to maintain accurate and up-to-date information in consumer credit reports ( 15 U.S. Code 1681e ) . Given that XXXX has determined this account should no longer appear on my report, I believe it is reasonable to expect the same treatment from Equifax to ensure accurate and fair reporting. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) advises that all credit bureaus strive for consistency in reporting practices. Having an account removed by XXXX bureau but still reported by another creates an inconsistency that could misrepresent my creditworthiness, potentially leading to inaccurate conclusions by lenders. 
Enclosed, I have included a copy of my XXXX credit report indicating the removal of this account, as well as a copy of my Equifax report showing the disputed item. 

I kindly request that Equifax review this discrepancy and remove this account from my credit report to reflect the same standard as XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card

XXXX called me claiming to be XXXX saying that my computer was sending out error messages and needed repairs which it did not. Now they claim I called them. How could I have called them when I have never heard of them. Furthermore I have sensitive material on my computer XXXX and would not leave it with anyone except XXXX.
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 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: Debt collection

Original creditor : XXXX XXXX XXXX XXXX FOR {$1000.00}??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete
Product: Credit card or prepaid card

I have a American Express Prepaid Card. On Monday, XX/XX/XXXX, I received an email from American Express that as of XXXX XXXX they were ending the American Express Prepaid Cards and that to have all monies used up by XXXX or they will send the balance to you in a check. I am fine with that part, however, they ended direct deposits to the Prepaid Cards, immediately. That is where I have the complaint. My direct deposit was set to deposit on the card on Tuesday, XXXX XXXX. It took me XXXX days to find out where my direct deposit was. It would seem like to me American Express would give you time to close out your direct deposit and setup up another direct deposit somewhere else. They did not to do that. This should not be allowed under the law.
Product: Debt collection

Recently my Federal tax refund was offset by the US Department of Education. I have reason to believe that the contracted collection agency Bass & Associates and the US Department of Education did not send me proper notification. I never received any collection notices informing me of the days past due or the default procedures. On XX/XX/2018, I was mailed a Debt Statement with a Request for Review, and Notice of Proposed Treasury Offset. I am certain that this was the only notice that I received from the US Department of Education. Which in my opinion, did not give me enough information to verify the status of my account considering my Chapter XXXX Repayment Plan. 
I responded by mail on XX/XX/2018 with a Request for Review ( provided by the US Department of Education ) and detailed documentation that I was currently under a Chapter XXXX Repayment Plan. I never received any other correspondence or calls from the US Department of Education or the contracted collection agency Bass & Associates. Recently, I created an account on the US Department of Education website and it the wrong phone number was on file but my mailing address and email address were on file. 
After filing my 2018 taxes, I recently learned that the US Department of Education offset all of my much needed tax refund to repay the debt. I am currently faced with major financial hardship after not receiving my tax refund. I have received multiple utility cutoff notices and cancellations of my insurances. It is my hope that my complaint is forwarded and reviewed as a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623 15 U.S.C. 1681s-2 ] 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. 

Account name XXXX Account numberXXXX Account type XXXX XXXX In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681
Product: Credit card

On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.
Product: Mortgage

About a decade ago XX/XX/2012 I was forced to do a loan modification with my mortgage lender in order to be able to keep making the payments for the house. My lender was XXXX, we went for a few months negotiating terms that they could agree with and payments that I would be able to make. They wrote up the Loan Modification Agreement that had me making payments for 90 days and there after upon completion of their proposed agreement I would have a New Principal Balance {$350000.00} that I will be making payments and a deferred balance of {$65000.00} that I was responsible once I payoff my loan or if I would sell or refinance the house. Interest become better than the terms I had the loan modification for and I was able to refinance the house at a better rate. However out of nowhere there is a company called Real Time resolutions asking for payment that according to them XXXX never closed and still pending payment and now they are asking for {$200000.00} or they will move with foreclosure which I don't understand since I was never aware because whenever I did my Loan Modification I was under the assumption XXXX had everything wrapped up. I tried to find answers from XXXX but they went Bankrupt and doesn't exists any longer.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the ongoing issue of inaccurate negative accounts on my credit report. Despite multiple challenges and requests for removal, these items persist, causing significant harm to my creditworthiness and financial opportunities.
Product: Debt collection

The company is attempting to collect 1 month of premiums, about {$930.00}, for an XXXX policy ( XXXX ) in XXXX. The policy was active from XX/XX/XXXX. 

In XX/XX/XXXX, I moved to XXXX and became a XXXX resident. 
Since I was traveling back & forth to XXXX at the time, I did not immediately cancel my XXXX policy, I paid the XXXX, XXXX, and XXXX premiums. 

On XX/XX/XXXX - I called to cancel my XXXX  Premium and enrolled in a new XXXX policy ( online ) in XXXX, both effective XX/XX/XXXX. ( Using the Special Enrollment Period for XXXX ). I was told to not pay the XXXX premium by the original XXXX company. 

I paid my XXXX policy from XX/XX/XXXX onwards. 

For some reason, the XXXX  insurance continued to bill me for the policy, and also automatically enrolled me in a XXXX policy. They then sent the XX/XX/XXXX policy premium bill to collections, but eventually stopped billing me for the XXXX policy. 

I have form IRS XXXX from the original policy showing my coverage ended XX/XX/XXXX, and my IRS XXXX from the new policy showing coverage started XX/XX/XXXX and yet, the collections agency persists and reported the account to XXXX  and possibly other credit agencies, affecting my FICO score.
Product: Debt collection

I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.
Product: Checking or savings account

during the capital one lock out XX/XX/year>. I was affected and did not receive my deposit.on XX/XX/year>. scheduled payments were returned and i could have lost my car because I was XXXX payments behind. i could not get gas and did not have money to get food. 
i called and placed on hold for hours. when i got a representative finally, they said the didn't know anything and when i asked how i was going to get to work or eat. i was told to see if i can borrow money. i asked for a supervisor and they said supervisor would tell me the same thing. I kept insisting to speak to a supervisor and after going back and forth i was placed on hold and a supervisor came on finally. she told me a n email was sent and i told her i never received one. she told me she can read it but this was already the last night of the lock out. she suggested to have me call family and friends to XXXX money and i told her that isnt XXXX  deposit down to? she said try XXXX XXXX XXXX XXXX XXXX or try requesting XXXX, it may work. 
for 2 days and evenings I was not given any information and disregarded. i finally received my email the last night about an hr or so before the situation was resolved and i finally received my deposit. I could not log in either., it said we hit a snag. i found out on XXXX that they were having issues. they didn't know anything other than server went down. i asked if my information and data was breached, they said no but if they just told me they didn't know what happened then how do i know if my information was breached. min time i waited over XXXX hrs to speak to someone a few times. min wait was XXXX minutes. no phone call to inform me, i got nothing until rt before I got deposit late XXXX i believe the XXXX, totally disregarded and treated like i did not matter