23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account is a result of fraud. I did not open this account. American Express is damaging my credit score and hindering my ability to access capital. I hired XXXX XXXX to fight this since I became aware of it in XX/XX/2023. I have spent {$500.00} fighting this case which is fraud, and what it has costed me so far is almost half of this fraudulent bill that American Express is attempting to have me pay for. They have already charged off the account and recieved payment but they are still harassing me and ruining my credit for this scam.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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

Called my office on XX/XX/23 at XXXX. XXXX from XXXX XXXX. Told her to send me a notice in writing with details because I hadnt received anything. She said they did on XXXX. Found a text with no information other than they had my account & to contact them. I told XXXX to not call my office and she began yelling at me that I had a responsibility to pay me debts. I said that I know my legal right is to advise them to not call me at the office and who was she with again. She wouldnt tell me. I said Id be filing a complaint. She said she would put me down as a refuse to pay and theyll be coming after me.
Product: Payday loan, title loan, or personal loan

I borrowed {$300.00} from mypaydayloan.com. I was paying {$90.00} every other week to " extend '' the loan. I did this for 14 payments which equaled {$1400.00}, but still " owed '' them {$390.00}. This {$90.00} was only to extend the loan and was not being used to pay down any of the principal. This was not disclosed when the loan was applied for. I stopped payment on the payments in XX/XX/2018. I am now being contacted by XXXX at work, at relatives saying I owe them {$1000.00} ... how in the heck can I still owe them that much. Oh ... .penalties and interest of course!! How absurd ... what a sham and a scam! I would hate to see other people who are in need of quick funds get pulled into this wicked operation!!
Product: Debt collection

I was told to contact my attorney general in regards to a debt collector not returning my phone calls. I do owe this debt to Zoca Loans and had an agreement with a third party collector ( XXXX XXXX XXXX which I think is now under a different name ) to pay it back. After missing my payment last week Ive been trying to call, left a voicemail and even emailed them on Monday and still havent heard anything back. When I spoke to the rep XXXX XXXX on Friday he told me not to worry about calling him back once I got off because the creditor is going to file paperwork garnishing my wages.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I received said loan in " XXXX '' I agreed on a set payment of " {$170.00} '' per month, I've been paying this amount for " 15-months ''  consecutively, the loan was " {$4000.00} '' my remaining balance as of " XX/XX/2020 '' is " {$3400.00} '' my issue involves the application of " Interest and Principal '', is this " legal/fare/or right ''. 

The company is " ONE MAIN FINANCIAL '' in " XXXX, VA. 

I thank you for your Time, Effort And Help.
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 process 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 financial loss, and I seek appropriate redresst for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to remove XXXX XXXX XXXX  from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

Equifax as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion for willful and repeated violations of federal law. TransUnion refuses to correct my credit file despite multiple disputes, knowingly reporting false and inaccurate information. This concerns the fraudulent XXXX ( XXXX ) account, which I have disputed numerous times. TransUnion is the ONLY credit bureau reporting this accountXXXX and XXXX have never reported it. This raises a critical and urgent question : Why is TransUnion reporting an account that the other major bureaus do not? Are they fabricating their own version of my credit report? Are they willfully ignoring the Fair Credit Reporting Act ( FCRA ), assuming I will give up? I want to make this clear : I NEVER AUTHORIZED this account to be reported, nor have I ever had any relationship with this creditor. Under 15 USC 1681b ( f ), TransUnion has NO legal basis to report this account. Yet, despite repeated disputes, they refuse to remove it. This is not a simple oversightthis is deliberate noncompliance. TransUnion is knowingly violating federal law, specifically 15 USC 1681i, by failing to conduct a reasonable reinvestigation. Their repeated disregard of my disputes proves that they are acting in bad faith. At this point, TransUnions actions are not just negligentthey are intentional and illegal. Under 15 USC 1681n and 1681o, TransUnion is fully liable for statutory damages, actual damages, and punitive damages. Each violation carries penalties of at least {$1000.00} per occurrence, and with multiple disputes already filed, these violations are compounding.
Product: Debt collection

Several times in the last 3 years I have communicated and spoken with representatives of the XXXX XXXX XXXX organization. I signed a contract with them to pay my debt to American Express for less than I owed. They continued to negotiate with American Express on behalf of me to settle a debt as American Express would not negotiate any less. I could only afford {$640.00} per month no matter what was negotiated. I am a XXXX XXXX XXXX XXXX  women with limited XXXX XXXX  and XXXX. During that time they allowed me to be summons to court. They found a local attorney to represent me. Unfortunately they also negotiated another agreement with XXXX XXXX  XXXX ( attorneys for American Express ) which I also signed. At the time I did not understand that this agreement would have me paying approximately {$10000.00} more than my original debt to American Express! I know ignorance is no excuse. I always told them my intention was always to pay my debt that was due. I thought they had my best interests while negotiating on my behalf. I was wrong. When I realized the mistake, I terminated my contract with XXXX XXXX XXXX and contacted XXXXXXXX XXXX XXXX  myself. They were reasonable and agreed to settle for 50 % of what I still owed. As a result of working with XXXX, I will still be paying approximately {$3000.00} more than my original debt to American Express, which was XXXX. I have no other debts.
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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Tried go into an income based or pay as u go repayment plan and they kept advising to go into forbarence and now loan is twice as much.
Product: Credit reporting or other personal consumer reports

" I have identified unauthorized hard inquiries on my credit report. ( See below for list ) conducted an inquiry without my consent. I did not authorize this action, and it has negatively impacted my credit score, making it more challenging to secure new credit. '' XX/XX/XXXX( Retailer ) on XX/XX/XXXX XXXXXX/XX/XXXX on XX/XX/XXXX XXXXXX/XX/XXXX) on XXXX XXXX, XXXX
Product: Debt collection

I am filing a complaint against IC Systems Inc. for their failure to comply with federal laws under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692 ( g ) by failing to validate the alleged debt despite my request. They have also failed to adhere to 15 USC 1692c by continuing communication after I instructed them to cease all contact.

IC Systems Inc.s actions have negatively impacted my financial standing, housing opportunities, and transportation needs. Their unauthorized and persistent communication, including inaccurate consumer reporting, has caused significant emotional distress and financial hardship.

I demand that IC Systems Inc. immediately cease and desist all communications, including reporting to credit bureaus. Additionally, I demand acknowledgment of this complaint within 10 days and written confirmation that they will comply with my demands. Failure to do so will result in further legal action to protect my rights and seek remedies for the harm caused.

I request the CFPB investigate this matter thoroughly and hold IC Systems Inc. accountable for their violations.
Product: Checking or savings account

On XX/XX/2022 I deposited a check in the amount of {$1600.00} to my personal checking account with Bank of the West I was told that because I made a mobile deposit that due to Federal Regulations that my check would be held for approximately XXXX  days the check was supposed to be released on XX/XX/XXXX on XX/XX/XXXX I have no access to any of my funds so I called into customer service to find out why I was unable to access my funds spoke with the branching manager XXXX XXXX and she stated that my very I needed to verify my identity so I sent her a copy of my ID social security card and also business documents showing that that was my the name of my business on XX/XX/XXXX spoke with branch manager branch manager stated that I would have to open up a business account because the check was issued in a XXXX stated to XXXX that my business contains my name as per the documents she received on XX/XX/XXXX and that I do have the option to keep a personal account because my name is included with the business. In error the payer of the check included the " DBA '' however I am only registered with the IRS and state of California as XXXX XXXX XXXX XXXX XXXX XXXX which means that it includes my first and last name on XX/XX/XXXX while explaining to the branch manager that I felt like I was being discriminated against she hung up in my face so I later stated that I will be filing a complaint due to the fact that she has given me a very hard time in receiving funds of which are mine and now I have no access to my account the banking account has been removed from my online banking access and I have no idea where my funds are. She also stated to me that I would have to open up a business account and come into the branch to open the account even though she had all of my verification documents to open a business account if need be however I did not need to open up business checking account and on XX/XX/XXXX I went to Bank of the West online banking and I was able to apply for a business checking account
Product: Credit card

I always used my XXXX XXXX XXXX card from Barclays Bank and purchased an airline ticket in XX/XX/year>, looking at the reservation a few days later I found out I couldnt access my purchase or reservation made with XXXX XXXX, a called Barclays and told me the money has been withdrawn by XXXX, after calling the airline company XXXX they couldnt find a payment made on my name, I insisted and open various cases with them and Barclays, in the XXXX Barclays give the benefit of the doubt to XXXX, the airline company never reached to me by email concerning the disappearance of my purchase and I was charged XXXX usd for a trip that Ive purchased.
Product: Debt collection

Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( XXXX XXXX XXXX ) And ( Experian ) Credit Bureau about four-six times. I have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( Experian ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX Bless.
Product: Checking or savings account

I have an account with Netspend and I get a check once a month and i normally get a notice on my phone when funds are there.For some reason this month I did not get notice and i begain getting over draft text messages and I have called the company to dispute the transactions. and then I was told it takes ten days and I recieved more withdraws from my account even after the first dispute so after ten days I called to find out where was my funds they told me they are still investigating and it will take up to 90 days and my account is now XXXX dollars. Overdrafted. I could not pay any of my bills. this is not the first time I have done a dispute with this company and did not get a resolve. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then I was charged for some things three times over after the dispute. nothing has been done. the other company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/scrub>XXXX Consumer Financial Protection Bureau Subject : Complaint Against Citibank Credit Card Account Closure and Request for Reinstatement Dear CFPB Representative, I am writing to formally file a complaint against Citibank regarding the closure of my credit card account without adequate warning or a chance for resolution. This closure has caused significant distress, and I am seeking your assistance in resolving this matter. 

Background Details I have been a loyal Citibank customer and have accumulated a substantial number of points on my Citi XXXX account Last Four of CC XXXX. Unfortunately, due to a series of devastating life events, including : The passing of my grandfather. 
Significant financial losses. 
The ongoing California wildfires, which have directly impacted me. 
I experienced financial hardships that led to three returned payments in the last three months. These events were unforeseen and beyond my control. Despite my long-standing relationship with Citibank, they closed my account without prior warning or offering me a chance to address the issue.

I was not aware of the returned payments until after the closure. I have since worked to stabilize my financial situation and am fully committed to ensuring no future issues arise.

Impact of the Account Closure This closure has had a profound negative impact on me : I have lost access to thousands of reward points that I had accumulated over time.

My credit score is likely affected, creating additional financial challenges.

The closure was particularly distressing given the timing and my ongoing personal struggles.

Attempts to Resolve the Issue I have repeatedly contacted Citibanks customer care to discuss this matter, but I have been unable to get a resolution. Customer service representatives have been unhelpful and unwilling to escalate my case or provide meaningful solutions.

Desired Resolution I am requesting : The reinstatement of my credit card account with the same terms and conditions.

The retention of my accumulated reward points.

Consideration of my enrollment in Citibanks financial hardship program or any similar assistance.

Supporting Documentation I am happy to provide any additional documentation to support my case, including : Proof of the financial hardships I have endured.

Details of the payments that were returned and the circumstances surrounding them.

I respectfully ask for the CFPBs assistance in resolving this matter fairly and urgently. I value my relationship with Citibank and hope to continue it under equitable circumstances. 

Thank you for your time and attention. Please do not hesitate to contact me directly at ( XXXX ) XXXX or XXXX if further information is needed. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

on XXXX applied and received a payday loan for the amount of {$400.00}. Repayment was scheduled for {$480.00} to come out on XXXX XXXX. Our account was one day off for direct deposit on XXXX. Payment was returned on XXXX. I went online and scheduled two payments corresponding with upcoming direct deposits totaling the new amount of {$520.00} now owed of {$260.00} each. XXXX for XXXX and XXXX for XXXX received confirmation numbers for each of the upcoming scheduled payments. 
I had no alerts or messages that I needed to advise anyone of these payments scheduled. 
on XXXX Cash Central debited {$520.00} along with the {$260.00} payment. I immediately contacted my financial institution to dispute the item for {$520.00} since the second payment was set to come out the XXXX for {$260.00}. 
I contacted Cash Central several times regarding the incident. Spent more than a total of two hours on the phone on hold, being transferred, on hold being transferred. sent documentation requested. spoke with XXXX on XXXX promised she would call me once the refund issued. double checks the {$520.00} and the two {$36.00} charges incurred due to the double posting would be refunded. 
called back on XXXX since I did not receive a return call. spoke with XXXX. told me XXXX was not in the office at this time and his supervisor was not available either. explained the situation. would not refund the two charges  that were caused totaling {$72.00} XXXX did receive the {$520.00} credit but no credit for fees incurred from their error. 
cancelled the dispute with my financial since Cash Central had issued credit. 
AWFUL CUSTOMER SERVICE- excessive transfers EXTREME WAIT TIMES- I am sure hoping I will go away just want the fees incurred for the double posting for the ridiculous loan I had to have during an emergency.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquires on my reports : on XXXX : XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on Transunion : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX  : opened XX/XX/year> XXXXXXXX XXXX XXXX  Account number XXXX
Product: Debt collection

Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by Clear Recon Corp and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date