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

I am undoubtedly a victim of XXXX XXXX " victim issue '' and have made an attempt directly via phone to have this corrected but was met with a customer service representative who refused to identify herself for reporting purposes and essentially denied consideration of deleting such fraudulent inquiries : XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX. 
Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Here are the documents that proves Credit Acceptance Corp. was provided and was notified by XXXX that I disputed my prior payment history because it was incomplete and inaccurate. ( See Attachment below ). Credit Acceptance Corp certified to XXXX that the prior payment history was correct and accurate. ( See Attachment below ) I pulled a new credit report from annual credit report. ( See Attachment below ) Credit Acceptance Corp did not fix any of the prior inaccurate and incomplete payment history. ( See Attachment below ) Credit Acceptance Corp knew that the payment history was being reported incorrectly. My payment history was blatantly obviously incorrect and incomplete. ( See Attachment below ) Violation after violation. Either correct the account or delete it immediately. This is your last chance to fix your companies inaccurate and incomplete reporting of my payment history. Do the right thing, thank you. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  1 day ago ) to XXXX XXXX. Ive disputed the accuracy and the incompleteness of my payment history with XXXX, regarding credit acceptance corporation. I will attach documents so you can see for yourself. XXXX says that XXXX  has verified that the prior payment history is accurate and correct. Will you please explain to me how this payment history could be verified as accurate and correct? I will attach all the supporting documents and you can look at it yourself. Ive been extremely patient. Theres XXXX violations. This is my final attempt to have it corrected or deleted. I just want to move on with my life. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the company a letter informing them that they are inaccurately reporting late payments to my consumer credit profile, and that they need to remove them per the law. 
15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XX/XX/XXXX Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Debt collection

I tried calling XXXX XXXX to find out what the collection for {$1000.00} on my credit report is but have been unsuccessful in getting the information. The debt is ruining my credit and I have no knowledge of what it is for. The number is automated and I cant get a live person to answer and help me.
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 own platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my personal information  to open  several fraudulent accounts in my name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute with XXXX about an account with credit acceptance whom violated my rights. XXXX done the investigation and said that it was true and accurate. However, I disagree on there investigation. please see all of factual documentation in enclose including the letter to credit acceptance letter as well all XXXX credit bureau with all the federal laws that they had violated
Product: Credit reporting or other personal consumer reports

I have worked with the credit reporting bureaus, Experian, XXXX, and XXXX submitting two rounds of dispute letters, and successfully removing some inaccuracies from my credit report. However, the remaining accounts are still fully validated, which is incorrect. According to 15 U.S. Code 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such. 

These are the accounts that are still reflecting on my credit report that should be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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: Mortgage

2 years ago I entered into trial modification with Shellpoint mortgage servicing after they rejected a loan modification with keep your home California. I made all of the payments on the Trial modification. For the last payment, the representative refused to accept my phone payment claiming that the amount had now increased several hundred dollars. This was unfair. 

Shellpoint sent me a letter later asking about making a lump payment to bring the monthly mortgage payments down to the loan amount. Each time I requested the exact amount of the lump payment I could not get an amount as I wanted my payments to be the same as the trial. This was unfair. 

Because they would not accept my payment I fell behind as they subsequently would not accept mortgage payments for a month unless all months were paid. This was unfair. 4 months ago I sent them an Ach transfer from XX/XX/XXXX they sent it back. I purchased a XX/XX/XXXX cashier Check and they sent rejected it and refused to accept any payments. 

The single point of contact was changed in XXXX and provided no options The company made no effort nor provided any options. The company and representatives have been rude unprofessional obnoxious, call and then say they have nothing to offer so why do you keep calling. They never considered me for any loan modifcations and set a sales date. 

The company is unethical and requested a payment for arrears for {$29000.00} to bring the loan current. The initial point of contact said she would send me a letter of immenient forclosure to send to my TSP for a withdrawal. She has no knowledge of TSP and was ill informed. In her mind a TSP is the same as a 401k. It is not. She said she gave me a month to withdraw funds out of my tsp,. This is a lie as TSP is not a 401k and NO NO NO withdrawals are allowed until the new laws take effect that will allow for withdrawals on XX/XX/2019. The initial single point of contact provided no other solutions. No lower interest rates. No change in monthly mortgage amount. Nothing at all. Totally unhelpful did nothing at all to help keep my home, They refuse
Product: Money transfer, virtual currency, or money service

Went to Chase bank to cash a Chase check made me wait 20 minutes they say the computers go down it's the second time they've done it to me they did it to me last month also same customer wrote me a Chase check they did the same exact thing made me wait 20 minutes said the computer went down I am XXXX XXXX-skinned and I feel I was just criminate against other people went ahead of me while I waited in cash their checks how did the computers go down
Product: Credit card or prepaid card

I had fraud on my AmexServe prepaid debit card. I was a victim of some type of skimming device. On XX/XX/21 someone stole {$500.00} in ATM withdrawals from my account. I contacted amex immediately. They canceled my card, which was in my possession at the time of the fraud. I put in a dispute three times and they denied my claim every time. I went to the police. I got a police report. I even reached out to one of the store merchants where the theft took place and they gave me still footage of the person who tried to conceal their identity. Amex still said I authorized the transaction. I was in XXXX XXXX, NY with the card in my possession and the theft took place in XXXX, NY.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at 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 XXXXXX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
Wells Fargo
Product: Checking or savings account

Iam a wells Fargo customer since XXXXI never had the possibility to check my accounts online. 4 months ago or so, i started doing so, then i was surprised to see some transactions have been made from my savings to cover a overdraft of a checking i don't even know. Everytime, they took from me : {$100.00} and {$120.00}. I have to say, i always have more than {$10000.00} on my checking. Everytime, i took day off from my job to go to the bank to discuss the matter but it never fixed. Only once, they fix one of the transactions but one day after, they took it back.Finally, i asked to close the account without receiving my money back. 
When that thing happened, i realized that something was always wrong because i never had control over the accounts.
Product: Credit reporting or other personal consumer reports

i came across the CFPB equifax LAWSUIT I feel i was negatively impacted hurthing my chances at credit after receiving a response to my earlier dispute that accounts were verified come with the receipts or be quick to delete the accounts XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The following unauthorized transaction on my new account after the compromised old account has been approved by chase bank, and their fraud department and bank staffs unilaterally say that they do not know any details about this activity. They irresponsibly tell me to close the current account and open a new account with a new bank account number. I receive the fund electronically from the majority of my clients, and it has been too much efforts to fill out new template with each vendor to update my bank information again and again. It has been less than 2 months since another fraud activity happened with my new checking account. Chase should have more rigid withdrawal process to protect the business client like me. I set the alert system to notify by text message if the withdrawl is more than {$500.00}, but their system failed to notify the transaction and let the scammer take the money away from my business checking account. I am so stressed out and terrified use the online banking with chase. Please have them improve their security systems to protect their own clients. Please see the below transaction to investigate further about the fraud activity. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA my rights have been violated. The accounts below are a violation of 15USC 1681b .I never gave consent or permission This is identity theft/fraudulent per the 15 USC 1681C-1 AND 15 USC 1681C-2 this information is to be deleted and blocked. 
XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX These are also violations of 15 USC 1681s-2a1a and 15 USC 1681eb . These are classified by the IRS as " income '' and income isn't to be reported on a consumer credit report and this violates 15 USC 1681 ( 2 ) ( a ) \ ( 1 ) stating to exclude any transactions or " experiences '' between the consumer and the person making the report from the consumer report. 

There is also a billing error on my self lender account. The late payments for XXXX and XX/XX/year> are a violation of 15 USC 1666b.
Product: Student loan

XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report without delay. I did not authorize or recognize these accounts. In accordance with USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your thorough review.
Product: Money transfer, virtual currency, or money service

The payment was originally sent as an ACH transfer through Wise. For some reason, this transfer wasn't sent completely as an ACH, it went from the intermediary bank to the beneficiary as a wire on the XXXX network. When I asked for the XXXX number so my receiver could claim the payment WISE refused to help get the XXXX for the transaction even after I had explained the situation. Due to Wise not helping me obtain the XXXX my receiver could not legally claim the payment. The receiving bank then sent the money back. I provided the reference to the transfer back and Wise refused to look into it since it was a XXXX transfer and I sent as an ACH ( again I wasn't the one who originally sent it as XXXX that was Wises Banking partner XXXX XXXX ). I have spoken to an advisor at XXXX XXXX who believes the money was received by Wise and put into their unclaimed funds. Wise has refused to help me search for these funds in their company accounts.
Product: Checking or savings account

From XX/XX/XXXX until XX/XX/XXXX I was incarcerated. I had logged into my Chime Account and I noticed that there were Several Unauthorized transactions as well as Unauthorized Transfers. I contacted Chime and filed a dispute, to which they denied XXXX hours after I filed. I filed a rebuttal to the denial and provided them with the documents that prove my incarceration began and ending. They also denied that one as well. I filed a final rebuttal and Ive spoken to them and asked them why my disputes were getting denied, they only told me they were sending a copy of the documents they used to determine the outcome, which I never received. The total amount of money stolen from my account is roughly {$7500.00} and they refuse to help me get it back even though I have sent proof.
Product: Credit card

On XX/XX/XXXX, I bought a TV from Best Buy with Best Buy CITI credit card as part of a promotional offer and interest free for 24 months for {$1200.00}, at their store in XXXX XXXX, CA. 

I also bought their XXXX XXXX XXXX for {$190.00}, plus a microwave ( {$59.00} ) and a toaster for {$14.00} before tax. In XXXX, I did another purchase from XXXX store with my Best Buy Citi card for {$280.00}. 

According to my checking account statements, I paid a total of {$1400.00} till end of XX/XX/XXXX, and another {$210.00} between XX/XX/XXXX and now. But my current balance is still XXXX. I was wrongfully charged with the interest from the first month that I made this transaction. 

Here are several reasons that I believe Best Buy Citi Card trap, scam, mislead and set a stage for its customers/consumers to miss their 24 month deadline and not to be able to pay their full balance before they charge any interest. 

1. They do NOT post all the customers ' payments information clearly, transparently and honestly on citi credit card website for customers to have easy access and look at them. ( They ONLY post it on the customers statements, and such statements could always be altered, edited, updated, changed or replaced by them whenever they wish ). I do not see my payment history that I made on their website from the very first payment that I made till now. ( Except last XXXX payments ). 

2. They try to create troubles for the customers when you want to log in to your account to check your balance. This happened several times with me and I was locked out of my account several times until I was keep forgetting to check my balance. I changed my email, my passwords, contacted their customer service several times during last 2 years or so. They have all the records of customer contacts and they can change or altercate that anytime 3. I was never made aware of the fact that if I make any purchase other than the promotional items, my payments will first go towards those items to cover that before they are applied towards the total balance of the promotional item ( s ).

4. They sent me 3 different Best Buy Citi Credit card since I opened my account with them and they were citing the reason is safety and security of my account. Which are totally misleading and suspicious. Why I should receive XXXX cards only when I try to have access my account to check my balance ( that is a huge trap and misleading ). 

5. Finally, they DID NOT send me enough notifications or DID NOT communicate via SMS Text, Email, Mail or Phone call to warn me or notify me that my promotional balance is due before its expiration date of XX/XX/XXXX. The only way they communicate with the customers like me is their digital statement which I can see on my account. 

In the light of these reasons and probably several others, I would like a honest and transparent review of my transaction with Best Buy Citi Credit Card and please advise what are my options and how to find justice for my case. 
Thanks