23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
Product: Credit reporting or other personal consumer reports

Ive filed a complaint against XXXX due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with XXXX they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy. 

In 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

Someone used all my information and opened two bank accounts with 2 different banks for checking and saving. It was not me
Product: Credit card or prepaid card

Important Your XXXX  will be canceled on XX/XX/2022 Dear Member : We've paused your available credit. because of an unusual activities. 

While your credit is paused, new charges for you and any additional Members may be declined. New charges on any other membership you have may also be declined. 

Visit XXXX Have your card handy, logging and follow the simple steps to start using your card instantly. 

Thank you for your Card Membership, XXXX  XXXX XXXX IF YOU DON'T RESPOND IN TIME. 
Your account may be cancelled.

You may lose any rewards you have pending with American Express.

Your personal account will be reported as past due to the credit reporting agencies if we don't receive the total amount due for two or more consecutive billing periods. 


XXXX XXXX  XXXX Recieved this email. Did not respond as I do not have an American Express account. 
I simply do not know where to report this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

Back in XXXX of 2014 I started to receive threatening phone calls demanding payment of this debt or that legal action would be taken against me. There were XXXX companies representing XXXX separate payday loan groups. The first was XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX. On XXXX XXXX 2014 I paid a total amount XXXX from my XXXX XXXX XXXX account. I have an email with an attached document stating that the debt has been settled/paid in full. The XXXX group was XXXX XXXX XXXX XXXX who claimed to be representing XXXX XXXX XXXX which I paid XXXX on XXXX XXXX 2014. I have also received a paid in full document from this company as well stating that the debt has been resolved. This may I received a call from Tier1 Asset Management Group LLC who miss represented who and what the were collecting. At first I was told that they were collecting a debt for XXXX in the amount of XXXX. When I called and spoke to a supervisor by the name of XXXX XXXX who admitted that they had made some mistakes on their end and disclosed that what they were collecting was for XXXX payday loans in the amount of XXXX each. XXXX loan was for the XXXX group and the other loan is for the XXXX XXXX. Which have both been previously paid. I had previously set up payment arrangements with Tier1 under the understanding I was paying off my debt with XXXX in the amount of XXXX.
Product: Money transfer, virtual currency, or money service

Using Cas.App. 
XXXX XXXX. Funds sent to me {$360.00}. I opted to save on fees of est. XXXX, for funds to transfer to my account on Tuesday XXXX XXXX. 
It was the option with reasonable expectation. Epic fail. No transfer to my account on XX/XX/year>. As of today, no deposit in my account. This is not my first time using this app. I have a lengthy history. Performance pretty standard. I havecreach out to the customer service with issue. No resolve. 
Per cash app response : Thanks for the information and I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX. 

If I don't hear back from you regarding this complaint, I will assume you recognize and understand the resolution. 
You didn't select the instant withdrawal, it's a standard and I have captured your issue as a complaint and I want to assure you that we have reviewed all of the information that you provided to us. 

While I have taken the action to address your concern ( s ), I will need to resolve the complaint portion of your case since no new information was provided. If you have new supporting information that you feel we should consider, we invite you to provide it. With that, I do want to share with you that your concerns have been documented, and will be used to improve our operations. 

If you have any questions or concerns with anything else about your account separate from this concern, please let me know here. 


This needs to be investigated. And I need to be compensated for inconvenience and suffering. 

I remain, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

My adult child fraudulently acquired some {$100.00} or XXXX loan from the company which required loan payment of XXXX ( some scheme they were overcharging and going to refund at end of loan ) with an additional {$20.00} fee per month. Called the company to resolve this issue as it was done without my consent and the company is giving me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating that on a XXXX account as of XX/XX/2018 the account was 60 days late. From XX/XX/2018 to XX/XX/2018 Experian states that the account went from 60 days late to 30 days late. Similar issues are presented with Experian on XX/XX/2018 being 30 days late, XX/XX/2018 being 60 days late to XX/XX/2018 being 60 day late as well. How is this permitted?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017, I transferred a balance from a XXXX XXXX to a XXXX card offering a better interest rate. By the end of the month it was shown reflected correctly by two of the three credit bureaus. TransUnion to date has not corrected the balance to the visa card, despite filing 6 disputes through XXXX and one filed directly with them. I have contacted my bank twice and they assure me that they are indeed reporting the update to all three credit bureaus. Since two have managed to report the change accurately, I believe my bank. Transunion meanwhile is reporting the transfer to XXXX, however is still reporting the same amount still owed to XXXX. Needless to say my Transunion score is about 100 points less because of excessive credit card use.
Product: Checking or savings account

I created a new TD Bank account inXX/XX/XXXX and I have been waiting on a debit card from the mail since then. This is my second time requesting a card, but I never received one both times. For the second attempt, I believe the card and PIN was misdelivered and is currently being used fraudulently by someone else. 

The transactions were made between XX/XX/XXXX to XXXX, XXXX in the total of over {$7000.00}. After the first transaction of XX/XX/XXXX, I called the bank on the morning of XX/XX/XXXX to report the fraudulent charges and cancel the card, however transactions were still being made on the card. These charges continued until XX/XX/XXXX. A full list of known charges has been attached to this complaint. Since I do not have access to my online banking, I'm not able to track these fraudulent charges myself and I obtained this list through an agent on the phone. 

Later that afternoon on XX/XX/XXXX, I was locked out of my account, leaving me without access to all of my savings. I am a current student at XXXX, and I have been unable to pay tuition due to funds missing from my account, as well as no way to access my bank at all. I am unable to pay bills or transfer money. I have called TD Bank every day for the past week, and they were unable to help me, only leaving me in circles. 

Some agents tell me the charges will be disputed ; others tell me that I am able to go into a branch to get my online banking unlocked. However, upon calling a physical branch, they told me they are unable to unlock my account for me and transferred me back to a call center agent. Later, the call center agent said that my account is being demarketed and cancelled. The Demarketing Team has not returned any of my voicemails and I have not heard from that team at all whatsoever. 

I have not received any of my lost funds back from the back, and TD Bank is attempting to cancel my account with all my savings inside, despite this being an issue they caused. I only recently opened this bank account in XXXX, and I have had issue after issue with TD with no one to help. Their customer service is terrible, and all their agents are useless in trying to understand my situation. 

No action was taking by TD to try to protect my funds. Even though their " fraud '' detection sent me a text to my phone about potential fraudulent charges, they did nothing to stop the charges. I have been locked out of my own bank account with no way to verify myself, because of TD 's " security features '', however their " security features '' were not enough to stop the thief from making thousands of dollars of transactions. Currently my bank account is still locked and I do not have access to any money.
Product: Debt collection

( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$1700.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$1700.00} ( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$550.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is falsely reporting delinquemt information on loan # XXXX as 30 days delinquent tanking my credit score. They deceptively reported XX/XX/2023 as 30 days late to the credit bureaus TWICE on XX/XX/XXXX and XX/XX/2034, tanking my personal credit score XXXX points and inflicting credit harm!!! This is a flagrant violation of XXXX practices with malicious intent as XXXX had received multiple payments and as demonstrated in screenshots i provide here. XXXX  by its own records is telling me my account is current and paid in full.
Product: Student loan

AES ( American Education Services ), has an online portal for COVID-19 relief for borrowers, which, despite passage of the CARES Act, still advises that all interest on my federal student loans, will be accrued and capitalized during the forbearance period. Per the language of the recently passed CARES Act, '' Loan Payment Suspension : Suspends payments automatically for federal student loans through XX/XX/2020, with no interest accruing or penalties during the period of suspension. '' So the information on the AES website is misleading, confusing and incorrect as it pertains to students with federally backed student loans. I think AES should have to demonstrate why they still are communicating inaccurate information on its website to customers, despite the passage of the CARES Act as of XX/XX/2020.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title. 
Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time. 
The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same
Product: Credit reporting or other personal consumer reports

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

XXXX Account # XXXX  PLEASE UPDATE & REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form XXXX XXXX XXXX, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.
Product: Debt collection

I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.
Product: Checking or savings account

This past weekend XXXX Truist took away access to my checking account online without any prior warning. After many phone call and a visit to the local branch and an email to their XXXX team, I still don't have access to my account and can't pay my bills. I have over {$60000.00} dollars in this account and need to pay my bills. 

Please Help! 

XXXX XXXX Phone XXXX email : XXXX XXXX
Product: Debt collection

I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.
Product: Credit card or prepaid card

On XX/XX/XXXX I was robbed in XXXX XXXX and Hotel in XXXX XXXX XXXX. My wallet was stolen with credit and debit cards from XXXX, XXXX, XXXX XXXX and Barclays among others. XXXX, XXXX and XXXX XXXX noticed unusual activities on their cards but alerted me and eventually declined the transactions. I couldn't receive the alerts because my cell phone was stolen as well along with 2 watches, wedding ring, {$1800.00} cash my driver 's license among other valuables. I alerted all credit card companies the following day. The Police were called to the scene and a report was made on the night of the incident. 
When I got a new phone, I noticed that Barclays was the only institution that didn't try to alert me and approved transactions of approximately {$1000.00}. XXXX and XXXX did their investigation and established that the charges on their card were fraudulent. Barclays wrote to me on XX/XX/XXXX to tell me that their investigation was complete and that I was not responsible for the charges on their card. I have that letter in my possession.They kept on sending me statements with the amount plus other charges. They actually did auto pay from my bank account which I had reversed by my bank. 
I have made 2-3 calls weekly to them in an effort to have the matter resolved but they keep confusing me, directing me to different departments within their organisation until a month ago I noticed where my credit score fell XXXX points because of their actions. I contacted XXXX who said that they would do an investigation. XXXX emailed me this past week to say that they believe that i am responsible for the fraudulent charges even though I was not contacted during their investigation. They said that they only spoke to Barclays. I have since closed the account with Barclays because I really don't even use their card. Last transaction was their annual fee of XXXX XXXX months before. 
I have filed another dispute with XXXX but I was advised to report the matter to CFBP as well.