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

Monday XXXX17 at XXXX there was a transaction charge on my american express serve prepaid card for {$100.00} from XXXX in XXXX, IN. I contacted american express serve XXXX at XXXX and they explained to me there is nothing they can do while the charge is still pending. I must wait 24-48hr for the funds to post, then call back and file a fraud complaint charge. Then I must wait 10 business days for a provisional credit, while compliant is pending up to 45 days. I explained to company that was my only money and I just received my direct deposit into the account Monday XXXX17. I have my physical card in my possesion, only XXXX card per account and I live in XXXX, WI and was at work when the transaction happen. The customer service representatives were rude, careless and kept me on hold for 45 minutes. I must also go through this process again in 48hrs. I asked to whom may I file a complaint, XXXX the supervisor told me they do n't have a department for complaints. He also stated there was no one that I could speak to above him. Now I am broke, needed those funds to make ends meet. 

XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Product: Credit reporting or other personal consumer reports

I am writing regarding the debt validation request I recently made under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. Your agency has not provided the necessary documentation as required by these regulations. Please note that ignorance of these requirements is not an acceptable excuse under the law. you have not supplied the required information as specified in 12 CFR 1006.34 ( c ), particularly paragraph ( a ) ( 1 ) regarding the details that debt collectors must provide.

Therefore, I demand an immediate halt to any collection activities related to this alleged debt. If you do not comply within 15 days of this notice, I will have no choice but to pursue legal action. This will include seeking both actual and statutory damages and using all remedies available under the FDCPA and Regulation F. Your prompt attention to this issue is required.
Product: Money transfer, virtual currency, or money service

On XXXX I closed my holdings of various cryptocurrencies with the online provider ETORO of XXXX, NJ by selling them and asking for a withdrawal. Initially, the system at ETORO defaulted to a {$30.00} limit and that transaction was deposited in my bank account. 

However, after many attempts and inquires, I have not recieved the balance of {$1300.00} which was requested just moments after requesting the above mentioned {$30.00}. I tried to call and could not get a live person. I tried to chat using the function on their website but it was never available for use on multiple days/times. 

The following are the ETOR case numbers which I have opened to try to get the deposit to my account : XXXX XXXX XXXX XXXX I have attached screenshots to document the statement above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX account on my credit profile for XXXX and Equifax for a secured loan I never took out that is paid in full. I have submitted Identity theft reports to Equifax and XXXX both respectively but they fail to respond back to me with results of the investigation and have this account that doesn't belong to me still on my report. It is hurting my credit report because there is a XXXX day past due for XXXX  XXXX payment but this is not my account and this is paid in full. I need XXXX XXXX with the Account # XXXX to be removed off my report
Product: Credit card

Promotional balance for best buy credit card was paid and not reflected payments were ignored until deffered interest
Product: Debt collection

received this united consumers inc in the mail today, never received any medical treatment at XXXX emergency physic, and dont why im being billed and or this collection company is mailing me this debt bill. 

I am XXXX percent totally permanent XXXX veteran that all medical bills and services at XXXX XXXX XXXX outside of VA Hospital has been approved by the VA sent to Veterans Administration. XXXX XXXX XXXX knows

to send all medi cal bills to Veterans Administration. please investigate
Product: Debt collection

XXXX XXXX XXXX has been billing me for 3 days of insurance coverage which I never purchased. I have asked them to provide proof of purchase which the have never provided nor have they ever provided a policy in my name. Now I am being threatened with legal action and adverse credit reporting by Credit Collection Services XXXX XXXX MA. I have also asked this collection company to provide proof that I was the one who purchased the insurance policy to no avail.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Back in 2020 I was being charged monthly fees for not having {$15000.00} in my savings account. This exact account type : https : //www.chase.comXXXX  which clearly states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with one of the following each monthly statement period : A balance at the beginning of each day of {$15000.00} or more in this account OR when linked to a Chase Premier Plus Checking or Chase Sapphire Checking account '' Every month I would have to go back into a branch to have them re-link the account to the appropriate checking account. 

They continued to charge me and assured me it was because I did not have {$15000.00} in my account. They made me keep {$15000.00} in my account in order to avoid the fees. It was on a recorded call that Chase should have with an overseas call center rep. The call was made in 2020 and my ledgers should prove my case, as should account notes. 

In reality, they made me lose 4 years of interest on {$15000.00} because they lied about the account requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is on violation of the FCRA. 
I have requested a method of Verification from Experian and Experian have yet to deliver the information that I requested which I am entitled to receive by law. ( FCRA ). Experian is still showing inaccuracies and misleading information on my credit report. I am requesting Experian correct the information and provide the information I sent to them in a letter : Request for method of Verification pertaining to XXXX XXXX XXXX XXXX inaccurate and misleading information. I will file an intent to suit if the matter is not resolved. Experian is in violation of the FCRA. Experian must provide proof to CFPB that my letter for request for method of Verification actually was investigated.
Product: Payday loan, title loan, or personal loan

Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX  reporting, {$220000.00} fee
Product: Payday loan, title loan, or personal loan

I applied over the phone for a loan amount of {$1600.00} and was told how much would be taken out of my account bi-weekly. I also asked about the charges and was told something around 25 % interest. I agreed and they ask you to state your name saying you agree and I did. As I made the first initial payment and XXXX thereafter, I noticed the balance was becoming more than the loan itself. When you call this company, ( after accepting the funds ) they give you absolutely no options of lowering your payments in which I have already paid them approximately more than {$1400.00}, they also say you can call if you're having difficulties with payments but yet they hang up on you. It was only when I actually cancelled the debit from my bank and emailed them telling them I was doing so due to their lack of communication that they started calling and emailing me saying I owe them approximately {$1900.00} plus more dollars. So I then pulled up my information only to find out the interest rate is 634 % ... ... ..absolutely not!!!! NO ONE would ever sign up for something like this, and I knew I would be paying them for interest but this is predatory lending. The complaint was sent to them on their website, this was around XX/XX/22. They DO NOT send you a copy of this contract with that interest rate on it, they tell you something totally different over the phone and get you to verbally agree, and then include this bogus contract with your signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XX/XX/XXXX Dear ( TRANSUNION ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS XXXX XXXX XXXX  XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account.
Product: Credit card

The credit card company ( American Express ) changed my credit card from one type ( Blue Cash ) to another ( Blue Cash Everyday ) without my consent, and I would lose cash back money because of that. My current card has an annual cycle system for cash back, which means that the cash back I get depends upon the purchases I have made with this card during a 12 month period. My cycle starts on XXXX of XXXX of each year, and I get a lower cash back percentage for the first {$6500.00} I spend with this card, and after that I get more cash back percentage. This year 's cycle also started on XXXX of XXXX, and in the past 4 months, I have made most of my purchases with this card so that I reach the {$6500.00} limit as soon as possible, and start getting more cash back. Now, just when I am about to reach this limit, the credit card company has sent me a letter notifying me that my card has been converted to a different type, which has a completely different cash back system, and as a result, I would receive much lower cash back compared to what I would have gotten with the old card upon reaching the {$6500.00} limit. I contacted their customer service many times and all of their agents understood my issue, but ultimately did n't do anything other than apologizing to me. I told to the agents that this is cheating, and they said that this is a company-wide policy and they have no control on it. As a solution, I offered them to change my card after my current cycle ends, but they denied it. I also offered them to give a higher cash back on previous and future purchases to compensate for my loss, but they denied it.
Product: Credit card

On XX/XX/XXXX, I purchased a XXXX XXXX  and accessories from XXXX. The accessories were received, but the XXXX XXXX  was never received. I followed up with customer service at XXXX who claimed to make a request to the warehouse. The response after several days was " Sorry for the delivery delay of your order, we will check this issue with our relevant colleague and get back to you as soon as possible. '' On XX/XX/XXXX I reached out to PayPal Credit ( Synchrony Bank ) to dispute the charge for the XXXX XXXX of {$130.00}. I followed their procedures to file a complaint. Upon receiving my documentation, the charge was initially removed upon further investigation. 

On XX/XX/XXXX I received a message from PayPay Credit stating, " We located the sales receipt ( s ) in question and/or received additional documentation from the merchant indicating the charge ( s ) in question is valid. After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit. Please refer to your next billing statement for your balance and payment due date. '' I never disputed that the charges were unauthorized, my complaint was that the item was never delivered. 

On XX/XX/XXXX I followed up with PayPal Credit stating that I never disputed the legitimacy of the charges and again stated that the XXXX XXXX was never delivered. On XX/XX/XXXX they responded with the following : " We have completed our review of your dispute claim on your PayPal Credit account. 
We have received documentation from the merchant regarding the disputed transaction ( s ). The documentation is enclosed for your review. Based on this information, credit will not be issued at this time for the following reason ( s ) : Our records indicate that the service or merchandise was received by you and delivery was confirmed. '' While the accessories were delivered, the XXXX XXXX was never delivered and even in their evidence of delivery, the tracking status is " IN_TRANSIT ''. If you use the tracking number to check with XXXX it indicates a similar status- upon further review it appears that the item never even got to XXXX. 

Compared to other credit card companies, I've never experienced such a convoluted and arcane process for resolving a dispute. XXXX XXXX, XXXX and XXXX have resolved similar situations in minutes with a simple phone call. I seems like an enormous waste of time for the company and the customer for a relatively small charge.
Product: Debt collection

My name is XXXX XXXX and in 2015 our leasing agency filed for eviction because we fell behind on rent this was our second lease and we were a military familiy and I was awaiting my MEB which is the medical evaluation board for the XXXX XXXX. I am a wounded warrior in a XXXX and the XXXX applied then and the company knew of my military service. Then after they seized our residence they sue us for damages that were non existing. Since that eviction we have been mostly homeless and unable to find adequate housing. They had given the XXXX damage bill to debt collectors numerous times and I try and get it removed it always popped back up. Now they have sued only my wife I'm small claims court. My wife is a XXXX XXXX I am her XXXX do too her condition. They probably oy sued her because she isnt a military member but she is a military spouse. If you could please help us with this situation it would be appreciated.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transaction Act ( FACT ), 16 C.F.R. Part 602, 12 C.F.R. Part 1022, and the Dodd-Frank Act, I am writing to formally dispute the reporting of exclusionary information on my consumer credit report.

Congressional findings under 15 U.S.C. 1681 highlight the necessity for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Upon reviewing my credit report, I observed that both the consumer reporting agency and the creditor have reported exclusionary information without my consent. Specifically, certain late payments and credit utilization metrics fall under the exclusions outlined in 15 U.S.C. 1681 and 12 C.F.R. Part 1022. These exclusions apply to information solely pertaining to transactions or experiences between the consumer and the person making the report. 

Late payments and credit utilization constitute information arising solely from transactions or experiences between myself and the creditor. Reporting such information on my consumer credit report contravenes the aforementioned statutes and regulations. By including this exclusionary information, your agency is in violation of the FCRA, 12 C.F.R. Part 1022, and other governing laws. Additionally, under 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or improper information to consumer reporting agencies. 

Furthermore, I have identified an account on my report, specifically the XXXX XXXX  account, which is listed as " CHARGE-OFF '' status. A charged-off account indicates a debt that has been canceled or forgiven by the creditor. Reporting such canceled or forgiven debt constitutes a prohibited form of communication of the debt, as it is no longer valid for reporting purposes under applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.