23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute my debt of {$1300.00} from XXXX XXXX XXXX, related to a purchase made on XX/XX/XXXX. The dispute centers around the communication and handling of the debt collection process by XXXX XXXX XXXX. Here is a detailed account of the events : Purchase Date and Initial Contact : On XX/XX/XXXX, I made a purchase from XXXX XXXX XXXX 
On XX/XX/XXXX, at XXXX XXXX., I received an email from CC Loss Prevention stating, " Please be advised that if this balance of {$1300.00} is not resolved within 30 days, the account will be sent to 3rd party collections. '' Contact with XXXX XXXX XXXX : On XX/XX/XXXX, I reached out to XXXX XXXX XXXX and spoke with a representative. 
The representative informed me that if I returned the requested items, I should reply to their email with a photo of the new shipping receipt, the tracking number, and the date of the return. 
They assured me that once the items were confirmed as returned, they would cancel the debt settlement request. 
It was also mentioned that if the balance of {$1300.00} was not resolved within 60 days from the original email, the account would be sent to 3rd party collections. 
Return of Items : On XX/XX/XXXX, I returned the two shoes ( XXXX ) to XXXX XXXX XXXX as negotiated. 
I provided a photo of the drop-off receipt as requested. 
I sent an update on XX/XX/XXXX, to inform XXXX XXXX XXXX  that both shoes had been delivered. 

Lack of Communication : XXXX XXXX XXXX has not provided any updates or communicated with me regarding the resolution of this case since XX/XX/XXXX. 

Incorrect XXXX Invoice : I received a XXXX invoice for {$800.00} on XX/XX/XXXX. However, this invoice was sent to a different XXXX account, not the one used for the purchase. 
The invoice stated that it did not include the XXXX pairs of XXXX XXXX XXXX XXXX XXXX Item No : XXXX, for {$240.00} each, which I had expressed my intention to return. 

Unresolved Balance Notification : On XX/XX/XXXX, I received an email from the XXXX XXXX XXXX XXXX, stating that I still have an outstanding balance, even though XXXX XXXX XXXX never responded to my messages back in XXXX. 
I am also interested in accessing the notes under my XXXX reward account related to my interactions with XXXX XXXX XXXX, including communications with the supervisor who claimed to assist in resolving this issue but did not respond. 

I am willing to provide emails, call logs, and any additional information upon request to support this dispute. Out of the {$1300.00} debt, I believe I owe only {$800.00} ( including tax ) for the returned shoes that were approved and delivered on XX/XX/XXXX, with a signature. 

Please review this information and assist in resolving this dispute with XXXX XXXX XXXX Thank you for your attention to this matter.
Product: Credit card or prepaid card

I just found out that a company by the name of card security had charged my account over XXXX dollars worth of fees for some type of balance protection. I never signed up for this service. 
Apparently they're saying that I agreed to pay for this when I signed up for my credit card account online which I'm pretty sure I did not. 
Since my account is paperless and I have it on auto pay I never felt like I needed to look at my statement. I have called the company twice and I keep being told that they're gon na escalate my case and no one ever gets back in touch with me.
Product: Checking or savings account

XXXX $ was charged from atm two times I only had XXXX in my account and my account doesnt have overdraft they have my account at XXXX they have not helped like I thought they would they gave me run around the whole process
Product: Checking or savings account

Hi I get social security & XXXX. By the it's all gone
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I found myself in a bewildering and distressing situation involving Square, a company I had trusted with my financial transactions. Without any prior warning or communication, Square abruptly closed my account, leaving me in financial turmoil. The abruptness of this action caught me completely off guard, as I had never received any indication that my account was at risk.

In the wake of this sudden closure, I immediately attempted to contact Square 's customer support, seeking an explanation for their decision. To my dismay, my attempts to reach out were met with frustratingly generic responses and unhelpful automated replies. Desperate for answers, I persisted, providing evidence of my transactions and highlighting the absence of any warnings from Square prior to the closure.

As if the initial shock wasn't enough, I soon discovered that Square was unwilling to release my funds, compounding my financial distress. Despite my numerous attempts to engage in a constructive dialogue, I encountered resistance at every turn. It became apparent that I was facing an uphill battle to reclaim my rightfully earned funds.

To further compound my frustration, I stumbled upon a contradictory claim from Square 's end. A complaint I had submitted was met with a response that alleged they had indeed warned me before closing my account. This assertion was entirely false, as the timing of their alleged warning came after the abrupt closure had already taken place. The distortion of facts only deepened my sense of injustice and disbelief. 

Facing a seemingly impenetrable wall of bureaucracy, I realized I needed to explore alternative avenues for resolution. As a next step, I considered seeking legal counsel to address this situation properly. Additionally, reaching out to relevant regulatory authorities might prove to be an avenue for obtaining a fair resolution to this unjust situation. 

In recounting this narrative, my hope is to shed light on the challenges I've encountered with Square 's actions, which have caused undue financial hardship and emotional distress. While the road ahead may be uncertain, I remain determined to advocate for a just outcome and reclaim the funds that rightfully belong to me.
Product: Credit card or prepaid card

Chase Credit Card refused to allow me to file a dispute against XXXX XXXX for my dissatisfaction with the goods XXXX XXXX sold me, unleaded gasoline. The gasoline was " bad '' the past 2 times I filled up at this particular gas station, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX, ( XXXX ) XXXX it caused the Engine Malfunction Light to illuminate in my car. 

I called Chase today, XX/XX/XXXX, and spoke to a " XXXX '' and " XXXX '' who refused to allow me to file a dispute on the charges of {$35.00} on XX/XX/XXXX, and {$30.00} on XX/XX/XXXX, both for the gasoline purchased at that XXXX XXXX XXXX. I explained to them that the gasoline from this XXXX XXXX XXXX  caused the Engine Malfunction Light to turn on in my vehicle two times, both times shortly after filling up my gas tank with this gas. 

When my tank got low after the first fill up XX/XX/XXXX the Engine Malfunction Light " Check Engine Light '' went off. It was off until I refilled the gas again at the same XXXX using the same pump on XX/XX/XXXX and thereafter the Engine Malfunctiom light once again became luminated. 

Chase refused to allow me to dispute either chargeand will not allow me to dispute the charges unless I, the consumer, PROVE to Chase that XXXX  sold me " bad gasoline ''. 

I don't have to do that for anything else I dispute, the gas station is no exception. If I am dissatisfied with the goods sold to me and I paid that on my credit card, 15 USC 1666i and the Fair Credit Billing Act, Section 170, I am allowed to file a DISPUTE. 

Instead the impression I got was that Chase was on XXXX XXXX side and believes consumers DO NOT HAVE A RIGHT TO DISPUTE GASOLINE, yet I do not find that exception in the law.
Product: Bank account or service

My banking accounts have been compromised. My money has been and is being stolen.
Product: Debt collection

Every month I receive a collection notice from this company. The debt incurred because the medical people and the insurance company were not speaking. It has been taken care of, The bill was finally paid by ins. in XXXX.
I 'm in their system and automatically get these notices every month ( sometimes every few weeks. ) The medical office said I was not in collections. Yet they keep coming.
I called once and got a very nasty person on the phone who left me on hold for 10 minutes.
I 've written and told them to stop.
Bill was paid. Make them stop.
Product: Credit reporting or other personal consumer reports

This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had signed a lease with the XXXXXXXX XXXX  XXXX around XX/XX/XXXX, XXXX months next I had called them to terminate the lease before it had even started, it was supposed to start in XX/XX/XXXX they told me that they had terminated and canceled it, no problem from there on out. On XX/XX/XXXX, I received a letter in the mail from a debt collection agency requesting that I XXXX XXXX XXXX owe {$8000.00} for a lease for the XXXX XXXX  XXXX XXXX. I gave them a call and explained to them that they told me that they canceled the lease, the apartment XXXX XXXXmed to not want to work anything out, although he did tell me that a tenant did replace me in the apartment. It seems to me that they were charging me for rent while someone else was living in the same apartment I signed the lease for, this is a violation of the law in the XXXX XXXX Alabama. I have disputed this collection with all XXXX credit bureaus, I submitted XXXX through XXXX, it came back as accurate, I submitted a XXXX dispute, it had been removed. I submitted XXXX through XXXX, they came back and said it was accurate, I submitted XXXX through XXXX, I am still awaiting a response. It doesn't make sense to me how they took really long to respond to all of my disputes as well. When they came back with a response with XXXX, they provided XXXX information or proof regarding my debt, all that I received was that it was validated as accurate. I called the XXXX XXXX XXXX, whom was in control of my debt, they said my debt had been passed off to a law firm by the name of Brett M. Borland Law Firm, I have received XXXX calls from them, nor are they represented on my credit report. I do not find this debt collection fair and would like for it to be investigated.
Product: Credit reporting or other personal consumer reports

I have a XXXX balance with the hospitals yet I have XXXX collections from the same hospital on all XXXX  reports. I have sent a screenshot of the XXXX balance with the hospital. The one I don't even recognize as I had never been to that hospital out in XXXX XXXX. They total about 2000 dollars. I have medi-cal insurance which should cover all medical expenses but they refuse to ask the state for what is owed. Now I'm stuck not being able to get housing because of my poor credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at a apartment complex in XXXX Washington called the XXXX XXXX  for over 10 years. I moved out XX/XX/XXXX. In XX/XX/XXXX the XXXX XXXX turned over an amount of {$160.00} to XXXXQ Data International Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX. IQ Data International Collection Agency reported this FALSE FRAUDULENT DEBT to all three credit bureaus. 
I only recently became aware that IQ Data International reported  this fraudulent debt to the credit bureaus when I submitted an application for an apartment. I submitted a dispute online to XXXX regarding this debt and within 24 hours it was deleted from my XXXX Credit Report. I am in the process of having this false fraudulent information deleted from my XXXX report. In the meantime, the CFPB should investigate this collection agency for violation of fair credit reporting. This has not only prevented me from obtaining housing until this matter is resolved but it has also cost me money in application fees and attorney fees. Its not right that these collection agencies can place false debts without your knowledge or without notification on your credit report. I do not owe XXXX XXXX  a dime.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. Resurgent/LVNV Funding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance. 


The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
Resurgent/LVNV Funding : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXXXXXX XXXX : This account contains incorrect late payments. 

XXXX XXXXXXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : XXXX. Conduct a thorough investigation of these accounts. 
XXXX. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ). 
XXXX. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report. 

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.
Product: Credit reporting or other personal consumer reports

Experian has shifted their credit freeze management system from a pin code based system to an online account system. 

The account systems do not currently provide working access to password recovery or change. 

Access to the " credit freeze '' management is deeply buried in a help file. In contrast, the web site prominently offers " credit lock '' management as an upgrade for {$25.00} per month. This is a misleading and unfair advertising attempt to direct new account holders to the costly credit lock instead of the free credit freeze. Far from being only a nudge, their strategy effectively hides the free option. Naive, inexperienced, or otherwise disadvantaged consumers ( XXXX XXXX XXXX ) will be cheated out of {$300.00} a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/year>2024 CFBP case XXXX to Equifax. However the credit bureau said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 

How did they complete this investigation
Product: Money transfer, virtual currency, or money service

I spoke with Gemini about my account being locked. They decided to close the account and I have 5 days to withdraw my money but the account is locked so I can't.
Product: Credit reporting or other personal consumer reports

This is my sworn personal statement that I pulled my consumer report and found a fraudulent account attached to my name that I never originated and have no idea where this account came from. Pursuant to 15 USC 1681c-2 this fraudulent account needs to be deleted immediately on clear grounds of ident theft. 
XXXX XXXXXXXX XXXX XXXX I have already tried to fix this situation but am getting back verified by your agency. If a true re-investigation is not immediately preformed on this account and in turn deleted from my report, I will may very well be seeking damages pursuant to 15 USC 1681n and 15 USC 16891o as this is well within the range of negligible non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, reported an error of 1st late payment from XXXX XXXX  due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.
Product: Credit card or prepaid card

We charged the account for XXXX to pay for our extended stay hotel. we called the customer service line about it because it took an extra {$60.00}. They customer service reps were very rude and didnt want to help at all. They wouldnt provide the company that they were from. Ive tried to contact all points of reference. This has caused damage and made me lat on other bills.
Product: Debt collection

This company has been on my reports for a while and they are affecting my scores. 

I already filed a complaint and belive that I have the correct information. 

They have never VERIFIED the debt and have not provided me with any proofs that I owe them anything? 

Here is their information : Creditor Information MCNEIL & MYERS MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow XXXX XXXX XXXX debt are not mine 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  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received notification via the XXXX app that I had XXXX new hard inquiries from XXXX different mortgage companies. I did not inquire with either company. Here is the info I have : XXXX. XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/2023, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX. Factual Data, inquiry date XX/XX/2023, XXXX, XXXX XXXX XXXX. XXXX, PA XXXX I'm concerned this may be fraud, and that these hard inquiries will negatively affect my credit score.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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