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

On XX/XX/2022, I went to XXXX XXXX in XXXX XXXX, MO. I had paid the credit card off in XXXX, so there were little to no charges on the card at the time, and we purchased a total of XXXX items ; litter box, dog shampoo, dog brush, cat litter, and refreshing animal spray, and nail trimmers. I was charged {$250.00} for the original price ; however, the rewards were added to the wrong account, so they refunded the purchase. We did the transaction again ; this time, rewards were not added to the purchase, so the cashier refunded my card again. Finally, the final purchase was {$220.00}, which would be correct. When I received a statement for the credit card, there was a total of {$820.00} which showed four charges of {$250.00} and one charge of {$220.00} within the same day around the same time. I called the credit card company immediately, and the first representative called me a liar and accused me of trying to steal items, the second time, we were told it was a store issue. I called the store and spoke with the store manager ; he explained that there was nothing he could do on his end because he had only seen the refund and one transaction. I called the credit card company again and was still told we would have to speak with the store. A week or so later, I called the credit card company again, and we started a dispute ; nothing has been done so far. We then called again today, on XX/XX/XXXX, and the first rep spoken to was rude which seems to be common with this company. Finally, the final rep was kind and told us to try this since we were not getting anywhere with the store or credit card company. What was a {$220.00} purchase that resulted in charges over {$800.00}? I am being charged interest on this and still required to make payments even though these purchases are incorrect. This company has hurt my credit, caused too much stress, and all around is not helpful.
Product: Debt collection

Harassment at my workplace ' telling my employer it 's a urgent matter. Collector come to my place of work. Not introducing who they are and who they work for. Leaving a phone number to call immediately. They said they work for XXXX XXXX court and court Summons me. Telling me that ' they will come to my house so I can receive the court letter. And no one will be able to receive it but me.This is the first time they had contact with me and a lot of harassment happen. I almost got fired my work. 
First contact XXXX haole lady went to my workplace in the morning Second contact XXXX/XXXX/XXXX a man pretending to work for state court XXXX pm Third contact XXXX/XXXX/XXXX harassing me to pay the debt ' without me looking to such matter. 
Too much for one day '
Product: Credit reporting or other personal consumer reports

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me USA bank XXXX XXXX XXXX XXXX XXXX XXXX those are all the banks I seen that was opened up in my name
Product: Credit card

On XX/XX/year> I noticed an unauthorized charge. I instantly contacted both XXXX ( the merchant ) and Capital One ( my card issuer ). XXXX said they could only do anything once the item had arrived and Capital One said that I needed for the payment to be processed before I could dispute it. As soon as I seen it as delivered I checked my porch, door camera, and XXXX  but had nothing so I called XXXX who wanted me to wait XXXX hours now so I check and it posted as well so I call Capital One to report it who then cancelled my current card, issued me a new one, and began the dispute. When I spoke to XXXX they mentioned to me that they think that perhaps my account had been compromised. I then called XXXX XXXX hours later to be updated just to be told I was already denied that they wont speak further about this to contact my bank. Later the same day I get notice of my XXXX account being permanently XXXX which makes me believe my account was compromised and they took action upon seeing that. I get a notification on XX/XX/year> from Capital One that XXXX supplied some information saying the transaction was placed by my account. I called in and was told we needed to open a new dispute as being an item that was not received instead of fighting the case as being fraudulent which didn't make since but since I had no options we did. On XX/XX/year> I get a notification that I didnt upload required documentation so my dispute was never began. I then call and ask about it and am told that I needed to upload the form from the previous correspondence as well as any other additional supporting documentation. I did then on XX/XX/year> I got a notification saying I didnt supply sufficient proof although I gave them my correspondences with XXXX and filled out their form. I called and spoke with a supervisor who said the documents I provided should be efficient so he sent me another link to upload them again however I got another notification later the same day saying I didn't supply sufficient proof. I don't know if XXXX placed the order as a replacement or if my account was compromised but what I do know is I didn't authorize the charge or receive anything from XXXX and Capital One has not thoroughly helped me with resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the account with Synchrony Bank/Walmart on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$870.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case on XX/XX/XXXX. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Synchrony Bank/Walmart and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I spoke to XXXX with Synchrony Bank Fraud Investigations on XX/XX/XXXX and was advised that they were able to show that the account belonged to me and that they wanted to know why I waited so long to call them and dispute the account as fraud. I explained that I never knew anything about the account nor do I acknowledge the debt. XXXX advised once again they did not have my proper documentation so I reached out to my credit monitoring service and also my Attorney in Fact to fax over the documents again to to fax number XXXX. XXXX was very vague in the information that he provided and states that an email address close to mine was used on the accounts which I can prove I never had that email address and never made payments on the accounts. He claims that they will receive the information again my Attorney in Fact faxed the documents to Synchrony Bank/Walmart on XX/XX/XXXX and she has fax confirmation and XXXX states will reopen the Fraud claims and process from there.
Product: Debt collection

On XXXX XXXX I received a collection notice from XXXX XXXX XXXX XXXX  in regards to doing business with DIGNIFI in the amount of {$940.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation last XXXX, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX a verified asking them to verify the validity of a bankruptcy they are reported on my credit file they then responded to me with a letter stating that it was verified through XXXX. Then I went directly to XXXX to dispute the item in question XXXX came back to me saying they could not verify the items in it was deleted from their database on XX/XX/2021. 

I then went back to XXXX on XX/XX/2021, showing them that the bankruptcy was deleted from the XXXX profile. Informing them if they can not provide the source of verification that this bankruptcy needs to be deleted from my credit profile immediately as it is defaming my character. XXXX XXXX responded to me that the bankruptcy was verified through the bankruptcy court I also provided to them on XX/XX/XXXX as well as XXXX and XX/XX/2021, that the bankruptcy court provided me a letter on XX/XX/2021, stating that they do not provide verification of bankruptcies to any credit bureaus. Credit bureaus are responsible for verifying bankruptcy through third-party agencies in the third-party agency that XXXX indicated that this bankruptcy was verified with XXXX who was unable to verify this allege bankruptcy as accurate information in removed from my profile as accurate information. According to the FCRA the credit bureaus must report accurate verified information in this information is not accurate nor is it verified, and they are refusing to delete this information, XXXX is out of compliance with by law and this is affecting my credit profile. 

This item needs to be deleted from my credit profile immediately within the next 30 days. 

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

I submitted three payments to the company towards my original balance of {$1500.00} that is not reflected on my credit report ( the balance owed on my credit report shows the total amount of {$1500.00} ). 
The following are dates/amounts I paid toward my balance owed and would like reflected on my credit report : XX/XX/2019 - {$5.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$280.00} The following payments were written checks that were cashed by the company, which I have proof of. 
The company has incorrectly sent my account into collections in XX/XX/2019 under the premise that I did not make an attempt to send any payments, which is untrue.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was offered a reduced payoff arrangement and the amount of {$1800.00} from Personify Loans. I accepted the offer on XX/XX/2024 and my last payment to Personify Financial was on XX/XX/2024. As of XX/XX/2024 XXXX is still reporting a balance on my XXXX credit report of {$3500.00} still owed and the account should be closed and settled reporting a balance of XXXX as I did make all of my payments and they cleared. Personify has sent me correspondence that the account is canceled and closed and I received this in PDF form by email. I have never received a 1099C cancellation of debt letter in the mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fraudulent account stolen identity Account was deleted from Credit report and then keeps being added on back to my credit report 11 XXXX XXXX Amount XXXX Opened XX/XX/2018 The original creditor was deleted from my report and now for some reason a collection company brought this fraudulent account an placed it back onto my credit report I never had an account with XXXX o
Product: Payday loan

I RECEIVED A LOAN FROM WESTERN SKY IN XX/XX/XXXX FOR XXXX...THEY IMMEDIATELY SET UP A PAYMENT PLAN FOR XXXX PLUS INTEREST, THEY LATER STATED THAT XXXX WAS PROCESSING FEES...IT WAS THEN SOLD XXXX...I HAVE PAID BACK APPROX XXXX TO XXXX, MAYBE A LITTLE MORE...I HAVE SENT THEM EMAILS ASKING THEM TO RECALCULATE MY LOAN BASED ON MY STATES INTEREST RATES (6%) ..I LIVE IN PENNSYLVANNIA...THEY REFUSE TO ACKNOWLEDGE MY EMAILS BUT XXXX RETURNED AN EMAIL STATING THEY WILL BE TURNING ME OVER TO THE CREDIT BUREAU...SINCE THEN OTHER DEBT COLLECTORS HAVE CALLED ME REGARDING THE BALANCE WHICH IS WELL OVER XXXX....HOW CAN I GET THEM TO REMOVE THE NEGATIVE INFORMATION FROM THE CREDIT BUREAUS AND CLOSE THIS ACCOUNT SO OTHER DEBT COLLECTORS WILL STOP BOTHERING ME ABOUT IT...THANKYOU
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are showing on my credit report that are inaccurate and should be deleted and blocked
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The collector stated that he could not accept my payment of what i could afford {$50.00}. The collecter then proceeded to tell me if i can pay {$7000.00} it would be paid in full when i said i ca n't afford that he said can you get a cosigner for a bank loan.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/XXXX I attempted to log into my Experian account to manage a freeze so that I could be screened by XXXX to apply to rent an apartment. Upon entering my login information ( either from the member login or " XXXX XXXX XXXX '' login pages ) Experian automatically redirects me to a page to receive my credit report, with no options to visit a different page. Upon entering my social security number and relevant address information I am redirected to a page saying : " We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. '' This page provides a phone number to call ( XXXX ) which only provides an automated system that redirects me to the broken website upon filling out my personal information. 

Alternatively, when going through the " XXXX XXXX XXXX '' page I receive an error message stating that Experian can not verify my identity, and was given instructions to go to the upload portal in Experian to provide documentation. I provided my driver 's license, passport, and copies of utility bills to verify my identity twice, but recieved no response over the course of multiple weeks. As these issues have lasted the majority of one month and I have been having problems obtaining new residence on account of them I would like to resolve them as soon as possible, but have been given no effective avenue to do so.
Product: Money transfer, virtual currency, or money service

( 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

I opened a secured personal loan with XXXX XXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward XXXX years later the loan and the interest have been paid off however I find out that XXXX XXXX XXXX charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many things that are disturbing about this entire situation regarding the car lease with JPMCB Auto ( Chase Bank ) that I want to bring to your attention : - My car lease was a 36 months for a new 2017 car due at the end of XXXX. I in early XXXX, I called Chase and asked to extend it for six months and, on a recorded line, the gentleman said Sure, no problem. Were doing that for all our clients. '' I've extended many car leases over the years without an issue. 
- So every month since following that call it was paid on time : XXXX, XXXX, XXXX, XXXX with no problem. 
- When I went to pay the lease on XX/XX/XXXX, the due date, the automated system said this account is closed. 
- After talking to countless people, Chase decided ( after taking numerous payments ) I never had authorization to extend the lease so they abruptly closed the account and wrote it off. I asked for the paperwork to buy it several times and they would not give it to me. 
- On XX/XX/XXXX ( after then turning it over to a collection attorney who also could not get the buyout information or any information ), the placed on a my credit report this statement : " Major Derogatory JPMCB AUTO It looks like your account with JPMCB AUTO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. '' That is a flat-out lie and fabrication - Yes, I called them and they were willing to do NOTHING. And they claimed it didn't go magically to credit reporting but it did. My credit rating sank 150+ points from that comment. 
- I believe that there is a precedent in law that basically says behavior validates the contract : In other words, Chase kept taking the money and then falsely reports that it is delinquent and then claims abruptly that it is closed. 

Chase has portrayed me as a a loser a year ago while they got ALL their payments with one late because Choice Bank ( the account linked to their ACH payment ), put an ACH block on the account back last XXXX. Explaining that also got nowhere. People that answer phones are just one level short of automated machines. 

This is not only inaccurate it is literally defamation. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020 I received a letter from Transworld System Inc about a medical bill stating they received a inquiry from me for debt validation. Unfortunately the company listed a medical account and they stated in the response letter while we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of alleged inaccuracy.

The second account I have is from reliant energy which I also have no validation from the company from.