23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Wednesday XX/XX/XXXX, I received a phone call from MRS BPO regarding a debt for XXXX XXXX. I had previously received multiple text messages regarding this debt, which I didn't respond to. I have never had an account with XXXX XXXX XXXX XXXX. I told the debt collector this and that I refused to provide them any personal information as the debt was not mine. They said I needed to contact the police department and open an Identity Theft case, and they ( MRS BPO ) would send me a fraud package to fill out. I need to include the police report number on the fraud package. 

I have never received anything in writing nor any phone calls or texts from XXXX XXXX about this debt. I never received anything in writing from MRS BPO. The day after I answered the phone when MRS BPO called, the collection began appearing on my XXXX and XXXX credit reports. I disputed the debt through XXXX and have attempted to with XXXX but have had some issues with the website. 

I have not reached out to XXXX XXXX. MRS BPO told me I could contact XXXX and verify the debt after I contacted the police and filled out their fraud package.
Product: Credit reporting or other personal consumer reports

Im trying to get a dispute the credit card said I was 30 days late on my payment and I wasnt so they sent that to credit bureau and it drop my score
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach that happened some time ago. I noticed some irregularities on my credit report recently. One of the irregularities that I noticed was that there was a hard inquiry on my credit report from a company called XXXX XXXX .Now this information is false as I never applied for any loan or credit products from this company. I have therefore filed an identity theft affidavit with the Federal Trade Commission. I have attached a copy of the identity theft affidavit with this submission.
Product: Checking or savings account

I had reported to bofa identity theft and unauthorized charges to my checking account. The amt was XXXX XXXXXXXX # ending in XXXX they initially declined my claim # XXXX but would reconsider if i provided new evidence and written affidavit which i sent in a police report and signed affidavit.a week or two later they sent me the same declined letter so i requested the information used to make decision. All they based their decision on was the debit card charges statement which does not merit a proper investigation into the use of the card. They consistently refuse to withhold there written cardholder agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

I, XXXX XXXX ( the consumer ) living being, extended credit to American Express in XX/XX/XXXX pursuant to 15 USC 1601. American Express is a debt collector and had been misleading, falsely representing, and committing fraud. They have been sending me alleged bills which I will attach as an Exhibit of the fraud, misleading, and false representation they have been committing against me the consumer and living being. My Exhibit will show the following violations that American Express have infringed on me. 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1692d ( 2 ), 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ), and 15 USC 1605 ( a ).
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was made aware inquires and one credit account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Product: Credit card

Fraudulent Transactions that happened : XXXX ) XXXX # XXXX XXXX TX - {$200.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX - {$5.00} - XX/XX/XXXX Other Fraudulent transaction which was not successful : XXXX ) XXXX - {$480.00} - XX/XX/XXXX ( declined by the bank ) XXXX PM XX/XX/XXXX : Unauthorized transactions were made using my Bank of America credit card, which I had in my possession and never shared with anyone. I did not visit the stores where these transactions occurred on that day. I was not aware of these until the next day. 

XX/XX/XXXX : A transaction I made at a store was declined. I realized a few Fraudulent transactions happened on my Account by checking the SMS and mobile app. I called the bank and blocked the Card. Raised a claim with the Bank for Fraud Transactions. I clearly indicated which were fraudulent transactions. My card was blocked and a replacement card request was taken. 

XX/XX/XXXX : Bank of America closed the claim ( not in my favor ) mentioning that the transactions were authorized by me. I reopened the claim. The claim was closed and reopened several times since then. 
XX/XX/XXXX : I contacted XXXX on Phone to get a copy of receipt for the fraudulent transaction
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a 2 month deferred minimum payment grace period on our XXXX credit card ending in -XXXX. 

We were told our credit limit would be raised from {$8100.00} to {$11000.00}. It has not been applied as of today. Consequently, we would not have been assessed a Citi {$61.00} fee on XX/XX/XXXX. 

Additionally, the {$75.00} fees for the cash advances were to be waived due to our extensive Hurricane Irma damage we sustained and is ongoing as well as the {$37.00} Interest Standard Adv XX/XX/XXXX fee. 

Total fees that were to be waived : {$170.00}. 

Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing XXXX XXXX agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding
Product: Debt collection

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern My information was exposed in the XXXX data breach. I am a victim of identity theft. I would like this account removed immediately. I have sent my dispute certified mail, please dont treat this like a regular dispute under Section 605B this item should be removed within 4 days.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 l, 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Credit card

On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Initially, the expected delivery was about a week away, but surprisingly, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly waiting, I stayed home all day anticipating the arrival of the drone. However, upon checking my XXXX account, I was startled to find a notification stating the drone had been delivered. 
Frantically searching, I found no trace of the package at my front door. Contacting XXXX immediately, they advised waiting for potential delayed delivery or filing a police report if the package didnt arrive. Despite waiting, the package never reached me, leading me to file a police report on the same day, XX/XX/2023. 
XXXX assured an investigation upon forwarding the case to their back office. Yet, the next day, I received an email declining a refund or replacement, asserting the item had been delivered, backed by a picture. Frustrated, I reiterated that I hadn't received the package. Consequently, I disputed the charge with my credit card company, furnishing them with all correspondences with XXXX and the police report. 
Regrettably, despite my efforts, the credit card dispute was denied by Wells Fargo. I provided them with detailed evidence, including my exchanges with XXXX and the police report number. It feels unjust to bear the cost of an item that never made it to my hands.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

When I went to check my credit report, I seen a lot of inaccurate information. such as collection accounts showing past due balances. To my understanding you can not have a past due balance on an account that's closed. I notified all three credit bureaus and gave supported documentation, and they did not remove them they kept it and said information was verified. This is a violation of the FCRA and also a Violation of requisite XXXX XXXXXXXX reporting standards.
Product: Credit card or prepaid card

Several times American Express offered me 0 % interest. I finally took them up on that. When it was over, Hurricane Irma had just hit and I have 2 properties in Florida. When I called about something else, they informed me I would now get 0 % " until further notice '' on TWO different calls that was confirmed! Suddenly, in XX/XX/XXXX, I began accruing interest and finance charges to the tune of now almost {$3500.00}! I have always paid off my balance every month and refuse to carry a balance or accrue interest. I consider myself extremely detail oriented and I would like someone to listen to the audio calls where these agents told me these things. They have credited back a portion of the fees but a remaining {$2000.00} is still disputed. Every time I call I am told something different than the last agent. It seems their agents are not trained properly and are misinforming clients. All I want is for the finance charges and interest that they promised to credit back, be completed. From there I will go back to paying my balance in full every month as I have for 17 years. I was not in need of the 0 % but it sure did help since my rental property in XXXX XXXX went 4 months with no rentals due to the hurricane. If I had thought I was going to have interest charged I NEVER would have carried a balance, or if I was told a DEADLINE I would have paid it off before that. I just now discovered in going through past statements to report this, that they have another {$100.00} accrued over the months during which i had 0 % interest! I had paid it off until XX/XX/XXXX. My 0 % interest was from XX/XX/XXXX-XX/XX/XXXX. How, if my balance was paid IN FULL through XX/XX/XXXX, can you start charging for a small portion of the balance during 0 % interest time?
Product: Checking or savings account

I have had dozens of instances where a charge will show pending, which according to them means that the charge isn't final but is reflected in my available balance, then when it finally posts all of a sudden my account is overdrawn and I have overdraft fees charged. When I talk to someone at the bank, they only offer to refund some but not all or they refuse to refund any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that Capital One has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies.
In the past, I have disputed and requested " verification of debt/records '' from Capital One and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws.
The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX  As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the Capital One 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though Capital One has ignored my requests - and violated consumer protection laws.
To help resolve the situation, I am requesting that Capital One provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that Capital One has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications Capital One has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken Capital One many months if not years to respond to simple letters and requests.
Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Product: Payday loan, title loan, or personal loan

I. the consumer and natural person. was denied credit by AVANT when I applied for a {$3000.00} personal loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Avant- is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Avant due to the response I received.

Avant is in violation of 15 U.S. Code 1642.

U.S.C 168lm and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AVANT because XXXX wasnt approved for the loan
Product: Checking or savings account

I have a checking and savings account at XXXX XXXX XXXX XXXX. I have a digital account with XXXX. Someone hacked into my Paypal account and initiated a transfer from my bank account into Paypal of approximately {$170.00}. That would have been fine, but then they added a new bank account to my Paypal account and initiated two more transfers from Paypal to their bank account for the same amounts. I notified both my bank and Paypal immediately that they were unauthorized transactions. Paypal refused to take action and said that the transactions were " consistent with my history. '' I have never linked any other bank account other than my XXXX account to Paypal despite using Paypal for over 15 years. I have never withdrawn or deposited money into any bank account other than XXXX. Moreover, Paypal has taken no steps to secure my account other than locking me out. In fact, the hacker 's last transaction had not gone through when I notified Paypal, but Paypal locked me out and finalized the transaction for the hacker. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX XXXX XXXX tracking number # XXXX and XXXX XXXX XXXX , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant XXXX  even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

US BANK XXXX ....
Product: Debt collection

Re : response to complaint XXXX. 
My letter dated XX/XX/2017 is requesting you provide me with the contract I have signed with American Account & Advisors , Inc. that I owe the debt to American Account & Advisors , Inc.. You stated you sent me an itemized statement on XX/XX/2017, this has not been received. In addition, sending an itemized statement is not a binding contract which you are required to provide to validate the debt. 
Since you are unable to provide evidence of a contractual obligation to pay American Account & Advisors , Inc. the debt, you are required by Federal Law to remove these items from my credit report. 
The following accounts must be removed immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
If items are not removed by XX/XX/XXXX I will be filing small claims action against American Account Advisors Inc. & XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX reported to the credit bureaus that I was a late pay when in fact they had collected the monies. I paid the loan off and asked them to close my account, which to this day has not been closed. I called today requesting them to close the account and was told I had to wait thirty more days, from previous dealings with this bank they tend to add more charges every thirty days. I want this account closed before the bank thinks they can continue to charge me for the rest of my life.