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

I have filed a dispute with CASH APP over and over then I filed a complaint back in XX/XX/2022 with cfpb cash app responded with telling me that I needed to verify my account with CASH APP and the complaint was closed So I did what they asked and now nobody knows what I am talking about nor do they know how to help me this hasbeen going on for close to a year now and still I am out {$1000.00} out of my account that is from atm 2 withdrawl three transaction were made only 2 of them they got money from each {$500.00} for a total of {$1000.00} the XXXX COMPLAINT ID from XX/XX/2022 The first transaction was on XXXX XXXX XXXX  {$500.00} XXXX ) XXXX XXXX {$500.00} was declined XXXX ) XXXX XXXX {$500.00} the 1st and 3 rd transaction both atms The response CASH APP gave has been just one more way to not give me back my money I have called and called CASH APP and nobody knows anything about anything or what to do PLEASE HELP ME GET MY MONEY BACK THAT WAS TAKEN FROM MY ACCOUNT .If you need any more info from me PLEASE LET ME KNOW THANK YOU SO MUCH
Product: Credit reporting or other personal consumer reports

I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are kikoff lending open sky first premiere moneylion Possible finance XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I keep receiving phone calls over and over about paying debt I have no knowledge of. I asked for validation of debt and tried to dispute through Experian and XXXX to no avail. I feel I'm being ignored
Product: Debt collection

I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX XXXX XXXX XXXX by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XX/XX/XXXX, and XX/XX/XXXX that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, P.C. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XX/XX/XXXX Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Product: Credit card or prepaid card

Credit account opened fraudulently, many purchases were made fraudulently.
Product: Credit card or prepaid card

I have been able to work out the problem for me in this instance, but it is a serious enough issue I want to alert the CFPB. Elan Financial Services sent me a promotional offer through the branded name of St. Mary 's Credit Union. The offer included many details ( mostly mandated by law ) such as apr, use by date, interest, etc. What it failed to disclose is that these can only be drawn on up to 92 % of available balance. I calculated the transfer amount plus transfer fee to be within the available balance with a small it of leeway. I did n't take into account the 92 % rule, because I did n't know about it. When I spoke to them, they said it is disclosed in my CREDIT CARD terms and conditions. It is n't even on the fine print of the offer. Of course banks know that most people do n't read the T & C much less remember such details. Why would the not indicate this on the offer? I have no idea, but if I had n't caught it, I would have bounced other checks that this transfer was to cover. This rule is fine, but it MUST be clearly included in the terms of the offer.
Product: Money transfer, virtual currency, or money service

The bank institution was BankOfTexas in XXXX XXXX TX. On XX/XX/2022 I had {$1900.00} stolen straight from my checking account with XXXX. I did not authorize these charges. XXXX says the bank should reimburse me the bank says XXXX should. Mean while Im sitting over here with no money. The bank closed that account and reopened me a new one but they are giving me the run around. The money shows to be transferring to a man named XXXX. XXXX and several amounts were being transferred. I never received any kind of security warning. I just want my money back and for XXXX to figure out why this is such a big deal right now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX Transunion, XXXX  and XXXX  is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, XXXX  and Transunion. 

I am requesting that Transunion, XXXX and XXXX  to CEASE and DESIST their negative reporting of XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am reporting that FCC Finance remove the debt owed from my XXXX credit report. I have tried disputing this with XXXX directly and they recommended. According to their website they are a home improvement loan company. I have never owned a home and I have requested several backup documentation on how they obtained this loan from XXXX XXXX. This company has failed to provide me with requested information such as proof on how they obtained the loan, if they are a debt collector and if in fact they own the loan the reporting of the loan does not follow federal debt collection procedures that a personal loan is charged off in 120 days for non payment. They have provided me with an allonge document that does not state FCC Finance as the purchaser or receiver of the loan. This inaccurate reporting has been determintal to my personal finances since it shows that it is past due for over 3 years with excess fees added.
Product: Debt collection

As recent as last month, I have been requesting to have an old charged off account with Capital One removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for Capital One in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

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, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : Also states that 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 1681 s-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

In XXXX of XXXX XXXX XXXX sent me alert that XXXX placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently XXXX XXXX XXXX. In XXXX of XXXX I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, XXXX to see what had happened. I was told when setting up the payment plan in XXXX of XXXX to write a letter to XXXX 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.
Product: Checking or savings account

XXXX is rep with XXXX  XXXX and she called to tell me that she doesnt have to and will not provide me with any information at all. Her attitude is belligerent and unprofessional. I have had checking and saving accounts with this bank for over 15 years and suddenly without notice they shut my debit card which caused much stress and havoc. This was 2 months ago and since then they have been exceedingly rude dismissive and disrespectful. They gaslight and do not any information. This particular rep is now telling me I do not have any rights to information and she will not provide any assistance. She basically stated she is only calling because there was a complaint and she has to fill a quota. That is an example of sub par poor customer service and practices. She is like an order taker and is dismissive and disrespectful. This bank had caused me a lot of stress and fo not show any consideration
Product: Credit reporting or other personal consumer reports

I am writing to dispute the collection account reported by XXXX XXXX XXXX in the amount of {$2400.00}, last reported on XX/XX/year>. I am requesting the immediate removal of this account, along with the original creditor 's information, from my credit report for the following reasons : XXXX. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX XXXX XXXX in writing that I refuse to pay the alleged debt. Despite this notification, XXXX XXXX XXXX has continued to report the account to credit bureaus, constituting indirect communication that violates the law. 

The continued reporting of this collection account and the association of the original creditor information on my credit report represents a clear failure by XXXX XXXX XXXX to comply with the FDCPA. 

XXXX. Failure to Cease Communication Despite my written notice, XXXX XXXX XXXX has engaged in ongoing communication by reporting this account to credit bureaus. This indirect communication has caused undue harm to my credit profile and financial standing, in direct violation of my rights under 15 U.S.C. 1692c ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

my name was recorded as XXXX XXXX  XXXX which is incorrect and requested by mail multiple times but as of today still it shows on my record so it must be deleted from record this inaccurate details. 

also another inaccurate record shows of missed four of my late payments dues {$1800.00} from XXXX to XX/XX/2023 of company, XXXX XXXX XXXX, which is inaccurate information and must be removed and updated. I have sent letter in mail few times which need to be updated immediately since this was already paid and car is not in our possession as of today. 



Thank you for your time XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX credit card account has been reported to Equifax because it has been reporting inaccuracies for years and the issue was never taken care of. This account is reporting a positive and current payment history, but it states the date of last activity and last payment was made in XX/XX/XXXX. It is also reporting as a collection/charge off, but has been reporting a positive payment history until XX/XX/XXXX. It is also reporting a high balance, but does not have a credit limit which can not be possible. How can this continue when it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation?
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX
Product: Credit card

There was a {$72.00} XXXX XXXX transaction on my Capital One account from XX/XX/2022 that I did not authorize. The transaction was from XXXX. I checked my XXXX account and the transaction was not listed. I emailed XXXX and XXXX confirmed that the transaction does not appear in my transaction history. Capital One will not void the transaction even though I have proof that I did not authorize it.