23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive incessant calls from debt collectors, both day and night, demanding payment for a debt with which I am unfamiliar. Despite my polite requests for them to cease contacting me, they continue to call from various numbers, occasionally as late as XXXX AM. I have also sought a comprehensive statement regarding the alleged debt, but they have not provided me with any information in response.
Product: Prepaid card

On XX/XX/year>, I went to XXXX store # XXXX at XXXX to purchase a visa gift card. I paid {$160.00} for the card but upon arrival at home I open the package and i found a {$100.00} gift card instead. I called Visa customer service they told me the card that i have was already purchase for {$100.00} on XX/XX/year> which was 11 days before i bought that same card. I was confused. XXXX agent suggested that i go back to the retail store where i bought the card which is XXXX. Upon arrival, i was met with cashier XXXX who explained everything. XXXX suggested that i call back the company again or come back the next morning to speak with the manager. XXXX confirmed that it was not the first time a customer had that similar problem. XXXX pulled a similar card from the shelve and found it was double bar code just like the one i bought. The following morning, i went back to the store and spoke with XXXX XXXX who told me that he was aware of the fraud going on at his store but unfortunately, the store signed a contract with Visa that they can't break. XXXX was no help to me, he suggested that I open a claim with Visa. I told XXXX XXXX to get those fraudulent cards off of the shelves so other customers won't get into that same problem but he replied that it's above his power to get them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my rights 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.
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX I was abruptly awakened from my dog barking loudly. Upon checking my XXXX XXXX XXXX was being towed by a XXXX tow truck. After being awoke the remainder of the night I called XXXX XXXX XXXX the next morning. They hired a third part company to illegally seize and wrongfully reposes my automobile. The third party towing company, XXXX XXXX XXXX, is a third party to the agreement/contract. XXXX shared my NON-PUBLIC personal identifying information with a third party. This is a wrongful repo and illegal seizure of my property as well a violation of my consumer protection rights. In addition the consumer did not receive a certified letter to cure prior to the repossession per federal and state XXXX XXXX XXXX laws.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported to be removed.

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

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

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also according to XXXX XXXX and Privacy Rights Act ( FERPA ), it prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of the student, or, if the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C.S. XXXX ( b ) ).
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

Excess overdraft My check is deposited once monthly and it is gone when deposited due to overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Employers : The following personal information is incorrect Employers : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The inquiry was not authorized EXPERIAN XXXX XXXX XX/XX/XXXX Inquiry EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 5. The accounts are fradulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We got an American Express Serve prepaid card through XXXX XXXX tax services to receive our tax refund. American Express has marked a legit transaction as fraudulent, and froze our card. We received an email with a link we could click to let them know it was legit, but upon doing so was told the link had expired or the issue had been closed. We've called the number on the back of the card to get the issue sorted and get the card unfroze, but the automated system has no option relating to this problem, and has no option listed to be transferred to a live agent. I've also tried calling another number I got from the American Express website, and all they can do is tell me to call the number on the back of the card that I've already tried. We've attempted to log on to the American Express Serve website, but after putting in our credentials and clicking log on, nothing happens. We've attempted this with XXXX different devices, only for all to have the same result.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Violations of TILA & FCRA Demand for Account Removal To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for violating the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ) by continuing to report a charged-off account with an outstanding balance on my credit report. 
The account in question ( [ Account Number ] ) has been charged off, yet XXXX XXXX XXXX continues to misrepresent the debt by reporting an inaccurate balance, in violation of : TILA ( 15 U.S.C. 1666i ( b ) ), which prohibits misleading credit reporting practices.

FCRA ( 15 U.S.C. 1681s-2 ), which requires creditors to report accurate information and correct any errors. 
This false reporting is damaging my credit profile and directly violates federal consumer protection laws. I have previously disputed this with XXXX XXXX XXXX, but they refuse to correct the issue, leaving me no choice but to escalate this matter to the CFPB. 
I am formally requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to delete this account entirely from XXXX, Experian, and XXXX. Simply correcting the balance is not sufficient, as the continued reporting of a charged-off balance is inherently misleading. 
Requested Resolution : I demand the immediate and permanent removal of this account from all three major credit bureaus. If XXXX XXXX XXXX does not comply, I will explore further legal action for their noncompliance. 
I appreciate the CFPBs attention to this matter and look forward to a resolution.
Product: Credit card

Noticed a charge of {$2400.00} on my Bank of America credit card I did not do. It was charged on XX/XX/23. Immediately I cancelled the card and filed a fraud dispute. Bank of America came back and said they had proof I did it and denied the dispute. They would not provide the proof. I explained again I didnt do it. They had said the chip was used and since I had the card I must have done it. So I thought maybe someone charged me the wrong amount. Bank of America said to file a billing dispute. I said i want to know what was purchased and see the receipt. They came back with a receipt signed by someone else at a merchant in XXXX XXXX. It is not my signature and Ive never been to XXXX XXXX. I was in XXXX. The signature is nothing like mine. They then let me file a fraud dispute. I heard nothing for weeks. When I called to check in they said they denied it but could not say why. Each time I call I spend a significant amount of time getting the run around being told I must have done this. I have filed a new fraud dispute again now and was told to pay the bill while I wait. I feel they are not helping me at all. This is fraud. I did not authorize or benefit from this charge. 
I have attached a photo of what Bank of America provided, and a photo of my signed drivers license to show how these signatures are not at all similar.
Product: Money transfer, virtual currency, or money service

I deposited {$20000.00} USD via wire transfer on XX/XX/2023. I was not required to provide any further verification documents and the money was available in my Gemini account two days later on XX/XX/XXXX. I was charged {$99.00} to convert {$5000.00} to XXXX and immediately after converting, I was told that my account was restricted from actually using the money I just converted in XXXX. After several days of constant requests for my verification documents and me submitting every document required I was informed that my account was closed without explanation and I will need to withdraw my money. Not only will they refuse to return the {$99.00} fee that I was charged for absolutely no service, but they are also trying to charge me another {$72.00} in order to withdraw the remaining {$5000.00} in my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that exposed significant shortcomings with the platform. Despite regularly using Zelle and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims, instead stating that recovering lost funds or tracking transactions was not possible. The CFPBs findings highlight a troubling pattern of negligence, where repeated offenders exploit the system while consumers are left unprotected. This lack of accountability and transparency is deeply concerning and undermines trust in the platform.
Product: Vehicle loan or lease

Today I am at my breaking point with this company. I called on XX/XX/2019 to make a payment. I had a past due amount of {$940.00} ( balance for XXXX and XXXX 's bill ) I made a payment of {$350.00}. Today I called to pay the remaining balance of {$590.00} only to be told the amount due is now {$1000.00}. Not only is there no way possible I can pay that I was totally blind sided. As always, the communication with this company is awful. The first rep told me that the late fees were from the start of the contract which made no sense at all. The supervisor got on the phone and said well the balance for XXXX is {$590.00} and 5 % has now been added to that. That is almost another car payment. I wrote a letter to the CEO XXXX XXXX and I will be filing another complaint with the XXXX. This is so unfair and no one should have to deal with this.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 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 O seek redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2019: ordered video stabilizer from XXXXNever received product.On XX/XX/2019: -discovered company and product was fraudulent. The website is gone. The email was returned nonexistent. The product advertising was copied from a much more expensive product from another company. Found non-english video on XXXX that seemed to indicate the product and company was fraudulent.There is no way to get a hold of the company, period.-Same day, called and notified Bluebird/American Express of the fraudulent transaction. They gave me no indication that there would be more documentation needed. Or that I would need to check my email. Therefore I expected the same form of communication...a phone call. On XX/XX/2019 TWENTY FIVE DAYS later - Bluebird sends an email requesting more information from me for the ridiculously obvious fraudulent transaction. And giving me  TEN business days to respond.And giving themselves FORTY FIVE days to respond to me. ( I do not check my email every week unless I am expecting communication.) On XX/XX/2019:Bluebird sends email notifying that dispute is refused. With no information on possible process or time limit to rectify except an address to request information.- Same day, I call Bluebird. Rep agrees that this was an obvious fraud situation and assures me that it is taken care of. My refund is forthcoming.-Same day, Bluebird sends an email to me that says they received my disputeOn XX/XX/2019:-Bluebird sends email requesting documents in .doc, .docx, .pdf, .png, .jpg, or .jpeg, which does not exist., through a cumbersome process - no way to forward an email. I only have an email from a nonexistent reply address.And gives me FIVE business days to respond and themselves FORTY-FIVE days to respond. ( I do not check my email every day.). They did not provide a way to forward the email from the company to them (the only communication I had from the merchant)On XX/XX/2019-Bluebird declines my dispute with no information on recourse.XX/XX/2019I again get the nerve and time together to contact Bluebird.After nearly an hour on the phone, they refuse to attempt to contact the merchant or provide a way for me to provide any proof. I am not happy with the entire burden of proof, with ridiculously short time limits of response, placed on me.  Any attempt by Bluebird to contact the merchant would fail. They can contact them to send them my money. But they can't contact them to see if they even exist?Thank You.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect debt through Midwest recovery systems for a payday loan that is more than 8 yrs old. Sold collection to another company and have failed to notify me in writing. Collection placed on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> and XX/XX/year>, I made deposits of {$990.00} and {$1000.00}, respectively, from my XXXX Bank XXXX account to the XXXX XXXX Financial trading platform, the deposits were completed without incident, and when I traded cryptocurrencies I was told that my cryptocurrency trading was prohibited, and then I followed the emails sent to me by the trading platform, submitted my facial recognition and proof of identity, and I waited for approximately I waited for about XXXX days but still no result, I still can't trade, I also tried to withdraw my money, when I withdrew my money, I was also prompted that I can't withdraw my money during the period of account disablement, I tried to communicate with the human customer service, and they sent me a shortcut reply of mechanical system, and then they left, I can only follow their prompts to make a phone call back again and then follow the information they sent me by email to do the identity verification operation, I was fully cooperated with them all the way. They do this, but still did not get a reply, I sent them more than a dozen emails also only a shortcut reply without substantial progress, today I opened the trading platform to try to contact the artificial customer again found that the artificial customer channel has been closed, I do not know what to do! I don't know what to do! My money is in their trading platform and I can't trade or withdraw it! I can only seek help and hope that through the complaint to punish the XXXX XXXX trading platform of the hegemony of violation of the law!
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized account under my name, which seems to be fraudulent. I didn't gain anything from the transactions made in this account. I'd like the account to be shut down right away.
Product: Checking or savings account

Four years ago, in 2019, I asked Capital One to close my XXXX XXXX XXXX checking account ending in XXXX. CapOne has nevertheless kept my account open all this time. I can not even access my balance. I even complained to CFPB previously ( see Complaint ID XXXX, attached for reference ). Recently CapOne had the gall to notify me that since my account 's had no activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance XXXX, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.