23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

recieved a letter from transworld systems saying i owed {$110.00}. i decided to pay as our holiday insurance didnt cover the full debt. there was no e-mail or online payment so i had to send a cheque which i sent recorder delivery on that day. 
they recieved the cheque a few weeks later ( posted from the XXXX to usa ). they as yet havent cashed the cheque but i have since recieved a further 6 letters demanding the money that i have already sent. 
i have emailed them ( found this information on their website ) 4 times, written to them a further 2 times but they do not reply to anything ... .i just recieve more threatening letters. 

i have sent the cheque they requested, written to them and sent e-mails but they still keep writing to me demanding i pay.
Product: Credit card

Last year, I opened a Citi XXXX XXXX XXXX card, number XXXX. I recently moved from XXXXXXXX XXXX and purchased a house in XXXXXXXX XXXX. I had gone mortgage shopping to get the best rate and then took another credit hit when I applied for the Citi XXXX XXXX card. 

A couple of months ago, my son XXXX XXXX died unexepectedly. I have been grieving, not shopping. All of my bills are paid automatically. I had not yet charged anything on my Citi XXXX card, so the balance was XXXX. I thought my XXXX membership would automatically be renewed using this card. I even asked the representative at XXXX who took my application if this would be done and she answered affirmatively. 

I reviewed my mail and discovered that Citi had closed my account because my XXXX XXXX had expired. I was shocked and disappointed. My credit took several hits when I shopped for mortgage rates last XXXX before I purchased the house and then again when I opened the Citi XXXX XXXX card. Now it will take another hit because Citi closed my card because the XXXX membership had not been updated. 

On XX/XX/year>, I went to XXXX and renewed my membership ( XXXX ). I then phoned Citi to inform them of such, complain about the fact that the card was not used to reinstate my membership and ask that the automatically reinstate the card. Citi indicated they would have to check my credit again. This would be a third strike against my credit by Citi in less than a year. After speaking with representatives XXXX, XXXX and supervisor XXXX from Citi and representative XXXX from XXXX, my problem has not been resolved. Citi indicated the card could not automatically be reinstated without another credit check because it was not a bank error. It was a bank and XXXX error that my membership was not automatically reinstated using my Citi XXXX card. 

I would like Citi to automatically reinstate my card and remove the close notation on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020
Product: Checking or savings account

opened Smartly checking XX/XX/XXXX via phone with U.S. bank rep who confirmed {$450.00} bonus code was applied to the new U.S. BankXXXX XXXX XXXX checking account. She said the applicable code per the system was " XXXX ''. I had XXXX payroll direct deposits of {$4000.00} each go into the account on XX/XX/XXXX & XX/XX/XXXX, fulfilling the bonus requirements. The bonus was supposed to post not later than XX/XX/XXXX. When it didn't, I called on XXXX. I was told that U.S. Bank had a problem with their system for accounts opened in XX/XX/XXXX whereby the system should have reflected a different code than " XXXX '' even though that's the code the system was using. I was told this would be manually corrected within XXXX business days. As of today XX/XX/XXXX ( XXXX business days later ), still no bonus. I called again and was told they had no notes in the system from my XX/XX/XXXX!! I was also told that since the account was opened up via their affiliate " XXXX XXXX '', that XXXX XXXX had it's own bonus codes. This is all complete baloney. They owe the {$450.00} bonus. I have screenshots of the terms from their site on the date I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the XXXX  and was in the XXXX for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!
Product: Debt collection

SEQUIUM ASSET SOLUTION has purchased a collection from another company which I already successfully disputed as identity thief. They are now misrepresenting the date of the actual event by two years and refusing to remove it from my credit file. This is a despicable business practice.

I live in a house XXXX  and the fraudulent service address is an apartment in XXXX, XXXX  so there is no conceiving way I could have received notice. I previously provided evidence that I had never lived nor authorized anyone living there to use my information to obtain credit. This was previously successfully disputed with the previous collections agency. SEQUIUM ASSET SOLUTION knowingly tries to collect on fraudulent debt and reports to credit agencies on knowingly fraudulent debt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged 3 different charges on my Apple Credit card. The charges were {$9.00} for a game streaming service, {$190.00} for the same game streaming service, and finally {$190.00} for the same exact game streaming service. 

All of the charges were made at around XXXX. When I woke up the next morning, I saw the notifications sent from apple about the charges that were charged to my card the night before. The charges were made by my son, who is a XXXX I disputed the charges with Apple by telling them the charges were made by my XXXX son. Apple refunded the {$9.00} charge but, the say the two {$190.00} charges are ineligible for refunds.

I argue that Apple is not looking out for their customers. I have had this card for approximately 3 years. I have never made any purchases on any gaming websites. For them to just allow the charges to go through in the first place is outrageous. You would think they would be proactive to avoid fraud to themselves and their customers. 

As part of a previous lawsuit against apple, " Apple was required to modify it's billing practices by making sure to receive consumer 's explicit consent for current and future in-app charges and that the consent could be withdrawn at any time. '' I never gave explicit consent and I would like the 2 charges of {$190.00} refunded back to me.
Product: Prepaid card

On XX/XX/year> in the amount of {$70.00} ( Confirmation Number XXXX ), also {$60.00} ( Conformation Number XXXX ), also {$10.00} ( Confirmation Number XXXX ) were made to XXXX XXXX XXXXXXXX. Totaling {$140.00}! 

I DID NOT AUTHORIZE THOSE PURCHASES!!!! That day, I contacted the ONE phone number associated with the Government issued ( ALABAMA ) Child Support card and attempted to report the incident. At that point, I was unable to speak to a live representative but, I was able to cancel the debit card. Two weeks later, YES - TWO WEEKS LATER, after I obtained a new debit card. I called the one phone associated with the card and, I was able to speak to an individual about the fraudulent purchases. 

Later, they denied my claim and advised that no error occurred with the purchase! There has to be a better way in dealing with this bank. Also, I contacted the bank on the back of the card, " XXXX XXXX  '' and they advised that they are NOT affiliated with the debit card!
Product: Credit card or prepaid card

See attatched CREDIT CARD FRAUD CLAIM LETTER claim date of XX/XX/XXXX {$470.00} dated XX/XX/XXXX COMPLETING INVESTIGATION CONFIRMED UNAUTHORIZED TRANSACTIONS *** A YEAR LATE! USAA HAS NOT PROVIDED TEMPORARY OR PERMANET FRAUD CREDITS XX/XX/XXXX OR MADE TEMPORARY PERMANET CREDITS. See attatched XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters all state : VERIFY USAA CREDIT CARD FRAUD CHARGE ** NO FURTHER ACTION IS NEEDED AND WE WILL CONTINUE TO PURSUE THESE CLAIMS AS FRAUD ON YOUR BEHALF. USAA HAS NEVER COMPLETED OR RESOLVED ANY OF THIS FRAUD {$12.00} {$49.00} {$12.00} {$10.00} {$11.00} {$13.00} {$15.00} {$23.00} EITHER. USAA LEAVES CONSUMER WITH FRAUD. USAA IS NOT ZERO LIABILITY. Kindly Note it took a year to complete XX/XX/XXXX fraud investigation & credits still NOT provided HOW LONG UNTIL USAA COMPLETES THESE INVESTIGATIONS OF FRAUD XXXX & XXXX??? NEVER?
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX after several high profile data breaches I decided to freeze my credit reports with all 3 major agencies. On attempting to place the freeze with Experian, after entering all information online, I received notice that they were unable to place the freeze " based on the information I entered. '' Now, in XX/XX/XXXX I am attempting to apply for a new credit card. I was denied and instructed to contact all three reporting agencies to find out why they were not supplying the needed information for the application. I tried calling Experian and it is impossible to speak to a human to resolve the issue. I did try the automated credit freeze lift, but could not do it without a PIN that they were supposed to have sent when I placed the freeze. Well, since the freeze was never actually, technically placed ... I never received a PIN. I did try the online PIN retrieval tool in case that worked, but all that happened was a message that they were unable to help me online. No online tools or automated phone tools apply to my situation, but it is impossible to reach a live human. I have tried all numbers that are published online, pressing 0, asking for an operator, everything. 

The only option I have is to send a paper letter. Which I will do ... however, I'm doubtful that will help at all since they seem to be confused about whether or not I actually have a credit freeze on.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the XXXX year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Letter Regarding Noncompliance and Negligence Under 15 U.S.C. 1681o I am writing to formally dispute the inaccurate and negligent handling of my credit information, which has caused harm to my financial standing. Pursuant to 15 U.S.C. 1681o, I am holding your institution liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Details of Dispute : Issue : [ Describe the specific negligence, such as failure to investigate a dispute, failure to correct an error, unauthorized disclosure, or mishandling of data. ] Affected Account ( s ) : [ List account names, numbers, or institutions involved. ] Date of Incident : [ Provide the date when the issue occurred or was discovered. ] Violation of 15 U.S.C. 1681o : Under 15 U.S.C. 1681o, a credit bureau or entity that fails to comply with the FCRA due to negligence is liable for actual damages suffered by the consumer, as well as potential legal costs and attorney fees. Your failure to [ explain the specific noncompliance, such as failing to investigate or correct an error ] constitutes a direct violation of this statute.

Requested Resolution : I demand the following actions be taken immediately : 1. Correction or removal of the inaccurate information from my credit file.

2. A written explanation of the steps taken to resolve this dispute.

3. Compensation for damages incurred due to your negligence ( if applicable ).

If you fail to take corrective action within 30 days, I will be left with no choice but to pursue further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under 15 U.S.C. 1681o.

Please respond in writing to confirm your compliance with this request. A failure to act promptly will further demonstrate willful disregard of your legal obligations. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my recent complaint XXXX. Upon discovery after reviewing Equifax re-investigation results I see that the information they used to conduct their investigation was factual information obtained directly from a creditor which can not be used pursuant to 15 USC 1681a ( e ).
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2024 a payment for goods was sent in the amount of XXXX. I never received the goods and requested a refund from the seller. It was shortly after I found out the seller was a scammer. I tried to contact Cashapp and they told me that they couldn't refund me the money even though they knew it to be scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lists my name as  XXXX   XXXX , but it should be  XXXX   XXXX . The second "  XXXX  '' should be an "  XXXX  ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have already solved my problem, but I need to alert you of improper marketing and misleading website by Experian. 
I had to unfreeze my credit reports recently and two things Experian did were shady : 1- Their web interface for " scheduling a temporary thaw '' of the report did not work. The frames for picking a calendar date did not load, and so I had to simply unfreeze the report wholesale for a few hours. 
2- Upon returning to their website to re-freeze the report, I could not find the right button to re-freeze my report. They do not have the freeze/unfreeze tool easily accessible on the website through the main account workflow. They MUST be required to have this, as it is required by law, but instead it required searching on 3rd party websites to find their freeze/unfreeze section which I had to sign in separately for. 
Instead, they tried to up-sell me on paid products called " credit lock '' which appear to impersonate the credit freeze. 

I am astounded that this level of shady behavior is allowed by a major credit reporting company over which you are supposed to have jurisdiction. I am a XXXX XXXX professional with a XXXX XXXX, and it took me over half an hour to figure out how to avoid paying hundreds of dollars/year for a " credit lock '' instead of the " credit freeze '' that I am entitled to by law. This simply can not be allowed. 

Please do not let them get away with the scam, take care, -XXXX
Product: Money transfer, virtual currency, or money service

This is in regards to CFPB lawsuit regarding Zelle 's handling of disputes. Zelle and my financial institution failed to investigate my claims adequately, despite reporting discrepancies. I was informed that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving other users vulnerable to scams. This raises high concern about consumer safety.
Product: Mortgage

For about XXXX  months Amerisave was trying to get me approved for a home refinance. About a month ago I'd call and email my loan specialist to let him know that if he was having a hard time to get me approved to go ahead and cancel the process and get my refund of XXXX XXXX dollars they asked for to initiate the process. 
On my email and phone call I'd told the Loan specialist to cancel before sending the home evaluator, he responded saying, XXXX, it's a process and I'm still working trying to get you approved. 
A month later the home evaluator called to set up a time to go check my home. 
My first thought was, great I guess I have been approved. 
Why will the company send the evaluator to do an inspection if the loan hasn't been approved???. 
A week after that, my loan specialist call me just to let me know that they can't approved me for a loan refinance. My response was that's fine just send me my refund please. He responded I will let my manager know. 
A week after id call him again to find out the status of my refund, he said I'll let my manager know cause I don't know if we're going to be able to do that since we have to pay the home evaluator. 
If this company tell their customers that XXXX XXXX dollars may be gone from your bank account regardless if you get approved or not, I'm sure that customers will think twice about paying that amount for something like that. 
That was never explained to me. 
That's the reason I'm expecting to get my money back. 
Those malpractices to get people involved in that kind of deal shouldn't be approved by government. 
Mortgage company like this one should be able to explain better what the process it's going to be like and what's involved on it. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX COLLECTION AGENCY ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX