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

Payment details Statement descriptor XXXX Amount {$1200.00} Fee {$50.00} Net - {$50.00} Status Disputed Description ( Booking # XXXX ) XXXX XXXX 2-bedroom for XXXX I own a condo in Florida which I XXXX out to vacationers. I had a person reserve 2 of my busiest weeks in XXXX. She booked in XX/XX/2020, knowing well that the COVID was in effect. She signed my legal agreement stating that there were NO refunds if you cancel before 60 days. She agreed to all terms. Then she decided 2 weeks prior to arrival that she wanted to cancel. I explained in many emails that I would not be able to provide her the amount back but offered to refund {$150.00}. She decided a few weeks later to dispute one of the payments of {$1200.00} to her bank Chase. I used XXXX as a merchant account and I followed the procedure with 8 pages of  documents in favor of my case. Chase bank did not even look at the contract that she signed agreeing to no refunds, but she won the dispute. I contacted XXXX to help me and they said they can not do anything to help me as the merchant. This is so fraudulent and she is going to do this again. I think Chase bank needs to review my case again, but I do not know how to do this. I do not know if you can help me. Chase bank is the problem allowing card holders to rip off businesses.
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 I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically : 1. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

2. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These failures have caused me significant financial loss and inconvenience. I am seeking appropriate redress for these issues.
Product: Checking or savings account

I opened an account with a mobile bank Current. I mobile deposited the check on XX/XX/XXXX. I contacted them the same day and ask to cancel the deposit since it was going to take so long. I received message back stating it would be canceled and not deposited on that was on XX/XX/2023. I took check to XXXX check cashing on the same day I received cancellation message. They seen the message from back and he allowed me to cash check. About 4 days later I received a letter from current back of a change of address verification. I tried going onto my online account but was not about to get in. There is no number to call only contact through message on app I finally got the email address and emailed I received a message back stated my about was frozen due to expected fraud. A few days later I received a call from XXXX check cashing saying the check came back already been cashed. They have been working with me to help me get this resolved but no luck. The bank had me send in documents proving my identity said funds would be available on XX/XX/2023 but I never heard anything else. I finally got into my online about and it shows that money was deposited and then transferred out. But I had already contacted them not to deposit check they agreed but done it anyway. I reported my card phone wallet lost a few days before my about account was locked and letter saying I changed my address which I did not. I have been at same address for 9 years. I am now having to come up with XXXX dollars that I do not have to pay for check at XXXX or face going to XXXX  for a mistake on banks part. I am a XXXX and in school to get my XXXX XXXX XXXX I can not afford to go to XXXX for something that was not intentional or my fault. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I didn't receive any alert. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and stopping me from buying my dream home. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Here 's a list of the fraudulent inquiries : XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Credit on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX  is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.
Product: Debt collection

XXXX  in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ...   THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN   XXXX  . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL  XXXX  BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER  7 YEARS OLD ....
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These CAN NOT be accurate because the XX/XX/XXXX late payment says it was 90 days late but my XX/XX/XXXX payment was on time which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately. Thank you
Product: Payday loan, title loan, or personal loan

I applied for my three credit report and saw this on the XXXX and XXXX  report. I never applied for this loan and have no bank account that had money put in nor paid for the installment. This is not me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. 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 in XX/XX/year>, XX/XX/year> AND XX/XX/year>. 
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. 


XXXX XXXX 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

Experian reports incorrect information. I had an auto loan with XXXX XXXX as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX, Experian and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, Experian reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX XXXX, that I had no finance and/or contractual obligation with XXXX XXXX by that time having closed the account in XXXX, XXXX when XXXX accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. XXXX XXXX has never issued me a certificate of satisfaction even when requested.
Product: Debt collection

Between XXXX to XX/XX/2020, I have written to Franklin Collection three times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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: Credit reporting or other personal consumer reports

The following accounts are fraudulent and unauthorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Bank of America, I hope this message finds you well. I am writing to express my interest in re-establishing a banking relationship with your esteemed institution. In the past, I had an account with you which, due to certain unforeseen circumstances, was placed under the care of the recovery team. I want to assure you that I have since settled this debt in full and have strived to rectify any past discrepancies. Despite this, I have been informed that I am not eligible to open a new account. This is confusing, as I've previously consulted both your recovery team and the general customer service department, who have advised me that I am eligible to apply for a new account, provided it is done in-branch. Given these circumstances, I kindly request your assistance in this matter as I am eager to rebuild my financial standing with Bank of America. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/22, I went to a gas station in XXXX, XXXX, XXXX called XXXX XXXX  XXXX. They wouldnt take my credit card at the pump, so I had to go into the store to pre-authorized XXXX  XXXX  for gas. I filled up XXXX dollars worth ( I do not remember the exact amount, but I was only topping off a small tank [ XXXX XXXX ] ). I shouldn't have been charged the full amount and I didn't know this until I saw my billing statement showing I was charged the full XXXX. There is no way that my car would even take that much worth of gas if it was totally empty, so its totally impossible that this could even have been a valid charge. 

If the merchant wants to go back and check their records on the date of the transaction, they can look up and see my car on their video cameras and see how much gas I used. I have never disputed a transaction like this as it has never happened to me before. As far as I can tell this is total fraud on the merchant 's part and I should be contacting the police. All I am asking is to get my money back. 

I disputed this charge with Citi. They said they asked the merchant to accept my dispute, but that the merchant wouldnt accept it, so Citi declined my dispute. I appealed, went through more explanation ( sharing the above statements with them ), and the same thing happened the merchant declined the appeal, so Citi has re-issued the charge on my credit card. 

I DID NOT RECEIVE the merchandise paid for, only partial merchandise ( gas ). Thus my request is justifiable and I ask for the help of CFPB to force Citi to take the correct action here. After all, its client XXXXXXXX XXXX XXXXXXXX has committed a fraudulent transaction and I shouldnt be on the hook for this. 

MORE than happy to provide any additional information you may need.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am exercising my right under 15 USC 6802 to opt out of the reporting of my account with XXXX VEHICLE PROP IN CO on my consumer report. 

As outlined in 15 USC 6802, consumers have the right to opt out of having their accounts reported to credit reporting agencies. Therefore, I formally request that XXXX VEHICLE PROP IN CO cease reporting this account to TransUnion effective immediately.

Furthermore, I would like to bring to your attention that, as a consumer, I am protected under the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies. Any violation of my request to opt out of reporting this account would constitute a breach of this privacy protection.

I understand that opting out of reporting this account may affect the completeness of my credit report. However, I am exercising my rights under the law and expect that my request will be honored accordingly.

Please confirm in writing that my request to opt out of reporting this account has been received and will be implemented promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My former XXXX  that I took my dog to for a few months was scamming me the whole time, but I didn't realize it until after the last time I took him there about a month ago.  I explained everything to Care Credit   and went through the entire disputes process, just for them to turn around and deny my claim and close my case, stating that the XXXX can make their products whatever price they want... That's not why I was disputing!  Either they didn't thoroughly read my complaint, or they acted XXXX  in order to automatically side with the merchant.  I now since I first filed my dispute, refuse to pay one more dime on my bill, and if Care Credit doesn't remove the charges, I will be closing my account, not pay the charges, and I will file a claim with the credit bureau.
Product: Debt collection

I was pulling my credit report because I am in the process of buying a house and noticed collections on my account that were not mine. Caine and Weiner company says that I owe {$210.00} for a XXXX XXXX. I am currently still with XXXX XXXX and everything is up to date. This is not me and I would like this collection removed from all credit reposts asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested my XXXX score for the first time this XXXX in XXXX from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX  scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX XXXXXX/XX/2022 there are still no XXXX  scores available to me. 

Under law " XXXX XXXX XXXX  et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

The following hard inquiries appearing on my credit report are unauthorized and/or not recognized by me. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit keep popping up saying i owe them this is fraudlent pls remove off my aacount
Product: Debt collection

On XX/XX/year> @ XXXXXXXX XXXX I received an email From TSI Transworld Systems Inc. Acct # XXXXstating that I have an account with, Creditor XXXX XXXX # XXXX a Balance Due of {$440.00}. I have never heard of this Company. 
TSI ( Transworld Systems Inc. ) says, they trying to collect this debit on behalf of Creditor XXXX. They spoke about Sueing me. and If I were going to receive a income Tax Refund, maybe I could use those Proceeds to pay this Account. I do not have any extra Accounts. I froze my Credit last year. After Data Breaches with XXXX of our Banks and XXXX XXXX XXXX. I am a XXXX with limited ( S.S ) could you Please help me! 
Thank you! XXXX XXXX
Product: Debt collection

this number has called me repeatedly over the past couple of weeks. It begins as a robocall and I usually hang up but today I actually listened for the option to speak to a person. When a person came on the line she asked me to identify myself. I told her No, you called ME, who are you looking for. She said she wasn't going to say until I identified myself since I called. No I didn't! YOU called ME. Who are you looking for?

She said she didn't have to say so I hung up. 

I don't have ANY outstanding debt - if I did how could my credit score be XXXX?? I need them to stop calling me and not only that - if I ask who are you looking for, after YOU called ME, don't ever expect me to identify myself first. You've got to be joking.