23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZED THESE INQUIRIES 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: Debt collection

I have been a dedicated customer to XXXX for over a decade. Since the Pandemic hit, my employment opportunities were fractured and I was no longer able to pay my mobile phone bills, so I accrued a debt. They then had sent me to collections. After some time has passed and I was not able to still pay my bill, the first collection agency offered me 40 % off my total debt of {$1300.00} if I settled within a certain frame which I was not able to meet. My account was then sent to another collection agency. At this time I secured a new job and I contacted the second agency and asked them if that offer was still valid. The assured me, 'yes ', so I then paid the 40 % off which was {$830.00}. I asked the collection agent if this now closes my account with XXXX and if the debt issue has been completely resolved. He said, " Yes. '' I also received a confirmation email that states RPM ( collection co ) and XXXX have agreed to waive the {$550.00} from my total debt after my payment. When I had the opportunity to open another mobile account in the week of XX/XX/18, I have to come to find that my phone was still locked with XXXX and that I had a remaining unpaid balance of {$550.00}. I called the collection agency and they then informed me, " They don't care what the letter ( of confirmation ) says. That payment was only to get you out of collections. '' Ultimately, it is my perception they lied to me and violated the Fair Debt Practices Act.
Product: Money transfers

I have an account with Paypal Credit which is based in XXXX MD. I made XXXX payment to paypal credit on XXXX XXXX, 2016 in the amount of {$120.00}, which showed up on my bank statement on XXXX XXXX, 2016. Also, what showed up on my bank account was an unauthorized internet payment of {$110.00}. I did not approve of that payment I did not make that payment. I called the company and they said they have to investigate the charge and they do not know how long it will take. In the meantime, because of this transaction, it has overdrawn my checking account, in which I was charged an overdraft fee of {$72.00} and I will be charged each day it is overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I examined my credit report during XX/XX/2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.
Product: Debt collection

On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.
Product: Checking or savings account

On XX/XX/XXXX, I went to US Bank to cash a XXXX XXXX dollar check, detached check from invoice with bank teller. Bank teller ask me who is the check from, why would they send me this amount? I ask teller why are you asking me these questions? Teller states because scam and fraudulent checks come to this office daily. Teller ran check through machine and stated it was not variable. Call corporate with XXXX XXXX XXXX department legal department stated they are a vendor with US Bank the teller should have called to verify the check. Branch manager told me today XX/XX/XXXX call CFPD I dont care hes the one discriminated against me. I was completely humiliated he had customers thinking Im there to cash a fraudulent check. He stated deposit it in your own bank, I said Im aware of the policy and procedures this check say US Bank.
Product: Credit card

On Tuesday, XX/XX/2024, I made a payment to my Apple credit card. Later that morning, I decided to send my neice {$50.00} and went into my Apple wallet instead of Apple Cash. Somehow, I mistakenly made a payment to my Apple card again. Within 10-15 minutes I looked up how to cancel a payment and received the following texts ... " Thanks. Just a moment while Goldman Sachs reviews your request. '' and We're experiencing longer wait times. An Apple ayment and did that through my Apple wallet. I received a message from Apple stating, " We're experiencing longer wait times. FAn Apple Card Specialist will be with you in about 1 hour 20 minutes. If you aren't able to wait, type Exit and tap send. I did not wait. I immediately called Apple/ Goldman Sachs representative and was told that the payment could not be seen, therefore there was no way to check it, but that could mean that it would not go through. 
The payment did go through and now my bank account is- {$1400.00} and I am being told that there was no error on the part of Apple therefore they will not reverse the payment. This is wrong and I need my 2nd payment reversed.
Product: Checking or savings account

On XX/XX/2020 I XXXX XXXX mailed a deposit from outgoing mailbox @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to Banner Bank XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. 
When it didn't show in account I called Banner Bank on XX/XX/2020 & talked to XXXX on phone, who is a teller. 
She said they had not received it yet, might be a mail delivery issue. 
It's XX/XX/2020 & still no check delivered to the same town.Usually takes 1 day. 

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

XXXX XXXX XXXX has violated my rights with 'Account # XXXX '' with the misuse and and misreporting of these accounts on my report. They should deleted immediately due to my rights as a consumer. The rights are listed below : USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELTE TO ANY TRANSACTIONS DONE BY 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 platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 135 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX ATTN : XXXX, EQUIFAX, XXXX Accounts : Account name : XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX  Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to 15 USC is 1681c-2 ( a ) you have 4 days from the date of this notice ( XX/XX/XXXX ) to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Product: Credit card

Received a call from Citibank regarding a Citibusiness credit card. XXXX payment was not made 10 days ago. I checked and I never received a statement. I asked them to verify where the statement was mailed. The address they gave me was from 3 1/2 years ago. I have been receiving all my statements at my current address prior to this. I authorized payment for the amount they needed to keep my payments current, now I am in the process of disputing the late fee and extra interest they charged me as well as trying to get a copy of the statement I never received. This is such a bad practice especially when it seems to be done a XXXX end for most businesses and there is no logical reason that my address would be changed back to XXXX I lived at 3 1/2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
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 use 1681. 

XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open XXXX of my accounts because I had XXXX. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is experien will not take it off they've been reporting it for XXXX  years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on experience credit my credit report it says that month XX/XX/2020 that I was delinquent XXXX days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is sending in has the right account number and it's showing that I paid the payment in XXXX of 2020
Product: Debt collection

XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Fraudulent Credit Card Applications on My Account Dear XXXX  XXXX XXXX Fraud Department, My name is XXXX XXXX, and I am writing to report fraudulent activity on my account. 

Upon reviewing my credit report, I discovered that two XXXX XXXX XXXX credit cards have been applied for under my name with limits of {$11000.00} and {$5500.00}. I want to emphasize that I did not apply for these accounts, and I did not authorize anyone else to do so on my behalf. These are fraudulent accounts. 

I urgently request that you shut down these credit cards immediately to prevent any further unauthorized activity. Additionally, please ensure that these fraudulent accounts and any related inquiries are removed from my credit report. 

Please confirm receipt of this email and inform me of the steps being taken to address this issue. If you require any additional information or documentation from me, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

Since XX/XX/2022 we've have unauthorized debits to our Citi business account. It started slowly with very small amounts until it became very noticeable around the month of XXXX I reported the fraudulent transactions to our bank on XX/XX/2022. Our bank referred us to the customer service phone number which is not an American company. The representatives had a lot of difficulty communicating with us. We asked Citibank if we could work with someone in the US to get help with our account they said no it all had to be done with a non US company. As of now we have gone back and forth with their customer service company at least a couple times per month and we have gone into the local bank branch to get help. I have all documentation to support our efforts. They have told us to deal with the actual vendors which we have tried to do and they have also denied our claims even though they have all the supporting information that clearly indicates we did not authorize these transactions. The vendors tell us it's the bank 's responsibility. They even gave us the names of the people stealing from our account. The bank has also credited and debited our account so many times I have no clue where we stand. I have emailed our branch manager many times and stopped in I have even been asking our bank manager for a reply since XXXX and I just recently got a response from him. He reluctantly agreed to a meeting with us, but did email a message stating that he has spent too much time on this matter. The bank has made it very clear that they are not willing to help us and they have made our account such a mess by the debits and credits that I have no clue currently what they owe us. I am sure that it is several thousands of dollars. Additionally, if you see the correspondence they have sent us in the mail you would have no confidence in their ability to run a business. I have that correspondence as well. If someone can please advise us how to get this resolved. Thank you in advance for your help with this matter.