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

To Whom It may concern, My credit card account was charged off by the credit company. I never received any monthly statements as the credit company had sent those to a wrong address. When I opened the account with this company, the staff verified my driver 's license, so, they should not make this mistake. Please see the follows for details. 

1. I opened an account of TJX Rewards Master card with XXXX XXXX on XX/XX/2017 after I purchased something about {$50.00} at a XXXX XXXX store. 

2. I never received any monthly payment statements after. 

3. I learned this credit card was charged off on XX/XX/2017 from XXXX XXXX. 

4. Then, I started to call XXXX XXXX to fix the problem. The Customer Service representative and manager, XXXX, could not help me over the phone and gave me a XXXX XXXX. XXXX  of the company, XXXX. XXXX   XXXX, XXXX, FL XXXX and asked me to write a letter to them. I wrote a letter to ask why my account was charged off. XXXX XXXX sent me back a letter, stating, " there are no delinquencies reported in the credit history of your Gap Visa Card account ". In my letter, I clearly stated it was for my TJX credit card. 

5. After I started to receive letters from XXXX at my new address, I learned that this account was sold to XXXX XXXX XXXX, XXXX on XX/XX/2017 ( I move to a new address from XX/XX/2017 ) 6. I filed a dispute. Then, I received a package from XXXX XXXX XXXX, XXXX to inform me their investigation result that they did the correct thing to my account. The package included two payment statements. In the two statements, it is clearly showed that XXXX XXXX had sent the monthly statements to a wrong address which I never lived there. They also wrote my last name wrongly in the statements. It could explain why I never received those statements. 

7. After this account was charged off, my credit scores were lowered to XXXX from above XXXX ; XXXX  XXXX   card lowered my credit line to {$200.00} ; XXXX XXXX Credit card lowered my credit line to {$300.00} ; XXXX XXXX XXXX, XXXX announced I owe them {$310.00}.
Product: Credit card or prepaid card

on my statement closing date of XX/XX/XXXX I received an interest charge because the promotional offer expired. I had a promotional offer of 0 % interest on a XXXX purchase if paid in 1 year in full. I was not able to pay off the entire balance but paid on the principle of said loan for the entire year and my balance was {$2400.00} on XX/XX/XXXX. I received a whopping charge of {$940.00} in interest fees. While I did agree to said terms it was my understanding that I would be charge the XXXX of 26.99 % ( XXXX Rate at time of expiration of promotion ) of what I owed. 

My Balance was XXXX at 26.99 % interest that would be XXXX. Which I am fine with. I do not agree with these inflated fees. I feel it's extremely predatory. I contacted the customer service line XX/XX/XXXX and the only thing they offered was to waive the fees if I paid in full by the XXXX of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate services 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 : DEPTEDXXXX Account XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX, GA XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXXBalance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported XXXX XXXX Reference # : XXXX.
Product: Credit reporting

This was paid as confirmed by XXXX XXXX XXXX!!!! ( See Attachment )!!! Yet XXXX is showing a balance due ... No due diligence by XXXX nor Equifax who has been notified by both me and XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). 
experian and equifax have not responded and they haven't removed this fraudulent account. i filled out a ftc report for this account and they still ignore me. 
pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed to do anything for two months in a row. 
thats against the law and its been more than 30 days since my last letter on XX/XX/2022 Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, XXXX is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. 

XXXX and equifax are breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws
Product: Credit card

1. Two tickets were purchased and canceled on XX/XX/XXXX ; refunded the same day as it was in the XXXX-hour risk-free cancellation policy SEE ANNOTATION # XXXX ON XXXX MARKUP 2. Two separate tickets were purchased on the same day, XX/XX/XXXX SEE ANNOTATION XXXX XXXX ON XXXX MARKUP a. Ticket XXXX SEE ANNOTATION # XXXX ON XXXX MARKUP ( ALSO SEE ATTACHMENT TITLED XXXX RECEIPT FOR NUMBER XXXX ON XXXX  ) b. Ticket XXXX SEE ANNOTATION # XXXX ON XXXX MARKUP ( ALSO SEE ATTACHMENT TITLED XXXX RECEIPT FOR NUMBER XXXX ON XXXX ) i. Please note that the total for this ticket is {$430.00}, yet only {$330.00} was charged to the AMEX card ; a credit of {$100.00} was applied. 
ii. Please note that AMEX lists the ticket number as XXXX ; the attached XXXX receipt ( XXXX RECEIPT FOR NUMBER XXXX ON XXXX ) shows that was the previous ticket number ; XXXX is the correct ticket number. 

XXXX. On XX/XX/XXXX, the two tickets were canceled. 
a. SEE ATTACHED EMAIL CONFIRMATION FOR TICKET XXXX, ANNOTATION XXXX XXXX  ON XXXX  MARKUP ( XXXX - CANCELATION FOR NUMBER XXXX ON XXXX ) b. SEE ATTACHED EMAIL CONFIRMATION FOR TICKET XXXX, ANNOTATION # XXXX ON XXXX MARKUP ( XXXX - CANCELATION FOR NUMBER XXXX ON XXXX ) XXXX. On XX/XX/XXXX, XXXX sent confirmation that both tickets were refunded to the AMEX. 
a. SEE ATTACHED EMAIL FROM XXXX  ( XXXX REFUND EMAIL FROM XXXX ) b. Please note that the refund for ticket XXXX is for the total value of the ticket, {$430.00}, more than the {$330.00} charged to the AMEX. 

XXXX. On XX/XX/XXXX, a refund for ticket XXXX was posted to the account ( SEE ANNOTATION # XXXX ON XXXX MARKUP ) for {$430.00}. 

XXXX. The second refund of {$430.00} for ticket XXXX HAS STILL NOT BEEN RECEIVED. The XXXX  markup shows all transaction history from XXXX. 
a. There is only XXXX refund of {$430.00} XXXX XXXX when the tickets were canceled and refunded. 

XXXX. After filing a XXXX complaint against XXXX, XXXX gave me the wire transfer confirmation for both tickets for {$430.00} each. 
a. See attachment ( XXXX WIRE TRANSFER CONFIRMATION FOR NUMBER XXXX ON XXXX ) for ticket XXXX ( THE REFUND THAT HAS BEEN RECEIVED ) b. See attachment ( XXXX WIRE TRANSFER CONFIRMATION FOR NUMBER XXXX ON XXXX ) for ticket XXXX, ANNOTATION # XXXX ON XXXX MARKUP ( THE REFUND THAT HAS NOT BEEN RECEIVED ) XXXX. I disputed the charge two times with AMEX, which they initially provided credit for, but then reserved it because they continue to associate the two tickets that were purchased, canceled, and refunded on XX/XX/XXXX with this refund ( # XXXX in this narrative and annotation # XXXX in the XXXX markup ) a. Its impossible for a refund processed in XXXX to have been posted to my account in XXXX. 

I have spent countless hours with AMEX trying to resolve this issue. They are holding {$420.00} of my money hostage. I have generally had no problems with AMEX and enjoy their products, but this has turned out to be the worst credit card experience ever.
Product: Debt collection

I received two letters from Portfolio Recovery stating that I owed {$650.00} ( {$320.00} for each letter ). I responded that the debt was not mine. I asked for debt validation, but no response. The debts were sent to the XXXX XXXX XXXX I disputed with the bureau but it came back as verified. I contacted Portfolio Recovery again asking asking for debt validation, but no response. This has been an ongoing problem.

Because this is hurting my credit score and preventing me from getting cars at a low interest rate quality credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint in regards to an fraudulent inquiry that XXXX is reporting on my consumer file. I informed XXXX that I didn't authorize this inquiry and I also informed them that the company stated that they have submitted a electronically request to remove this inquiry from my consumer file. On XX/XX/XXXX in CFPB Case XXXX Synchrony responded stating that As previously stated in our response sent on XX/XX/XXXX, a copy of which you provided, on XX/XX/XXXX we submitted an electronic request to have the inquiry generated by the credit application deleted from your personal credit file. As of today XX/XX/XXXX XXXX is still reporting this inquiry on my file. I have attached the letter from Synchrony Bank for your viewing.XXXX has stated on XXXX the following response. I am a bit confused if SYNCB/PAYPAL INQUIRIES ARE A FACTUAL RECORD where did they verify this from? 

STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : SYNCB/PAYPAL INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE
Product: Payday loan, title loan, personal loan, or advance loan

I was promised a remote appointment setting job after applying for this position, I was prompted with an almost forced XXXX  call that lasted XXXX hours that ended up with them sending me money that I didn't have to start this loan and other have had similar experiences with this company. I was also promised that I wouldn't be sending out messages for potential customers and this was a lie as I was told I would only receive interested " customers ''. This loan is for a course/work combination but it's really a giant scam and I would warn others of this company and others like it offering a role that is $ XXXX $ XXXX a month from home as there are many other groups doing this same scam. You're matched up with " coaches '' who don't help when asked for help. This company also has an F on the XXXX  as well as the address on their website leading to an apartment complex or to an empty field.
Product: Debt collection

on XX/XX/22 I sent a presentment of final payment on BEST EGG account XXXX In the amount of {$23000.00}. My presentment was accepted by XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS As per the Postal Rule and his not response by mail on the matter in question. 
On XX/XX/22 I sent him a request for a statement showing XXXX balance on my account. 
NO RESPONSE THROUGH POST OFFICE WAS SENT. 
On XX/XX/22 I sent him a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE letter. 
Letter was received, but no response was sent through the Post Office. 
On XX/XX/22 I sent an AFFIDAVID OF MAILING AND NON-RESPONSE to XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS. 
NO RESPONSE WAS RECEIVED THROUGH POST OFFICE. 
Therefore, this debt is paid in full and They have NO right to be reporting negative information on my credit file. 
I want my statement reflecting XXXX balance on my account. 
I want them to abide by the UCC laws governing commerce in the United states.
Product: Money transfer, virtual currency, or money service

There were unexpected fees. Overdraft fees without my knowledge and there is no actual way to speak to a human on cashapp
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT AUTHORIZE INQUIRY EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX XXXX FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX / XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Money transfers

I sent money thru western union on XXXX/XXXX/15 amounting to {$2700.00} for emergency surgery of my sister and was told that the fund will be readily available. My sister tried to get the money on XXXX authorized western union office in the XXXX XXXX such as XXXX and XXXX but was told that the money is not available and they do n't have enough funds asked to come back on XXXX/XXXX/15 which is 5 days after the money was sent, she as also advised by the XXXX agent to leave the claim form without the money being released which sounded kinda fraudulent. I called the customer service here in the US but agent is not helpful and incompetent to handle the issue, i submitted a complaint to western union website but up to this time i have n't received any form of follow up from them. Pls help me resolve this issue.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX Bal : {$9400.00} XXXX. XXXX CARD ACCOUNT # XXXX BAL : {$3200.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXX, I tried to dispute a transaction through cash app that was made on XXXX for a payment of XXXX. I tried doing it twice because I was granted a refund and never recieved it from the consumer that took my money. I was reminded each time through cash app. The support thats supposedly is there to help doesnt help. I dont even think its a real person behind the screen. Once I was defined twice I gave up. Cash app was suppose to tell me the documents that supports there decision to deny my dispute but never presented the information. Secondly I made a dispute for XXXX on XX/XX/XXXXXXXX XXXX XXXX. Someone scammed and took money from me that I could not get back from cash app. I present my evidence and they denied and told me they had certain documents that supported their decision and never presented the information at hand. No call number and no support on my request.
Product: Checking or savings account

I was supposed to receive a {$400.00} new account bonus from opening a checking account back in XXXX and I havent received anything yet. I have reached out multiple times via message and phone call and was told I would receive a call back. I opened my account on XX/XX/XXXX and completed the requirements within the first 60 days and should have received my money by now but I havent.
Product: Credit reporting or other personal consumer reports

Multiple inquires on my credit report back in XXXX of XXXX and beginning of XXXX that I did not authorize
Product: Student loan

I requested the department of education to consolidate my loans back in XXXX and XXXX but they stalled it and the loan services stalled it and now it is XXXX and it still has not been processed and they did this on purpose to ruin my credit and make it look like I was mismanaging my loans.. they were also trying to do fraud and kept stalling the consolidation so they could pull extra loans without my knowledge or consent. This is the 2nd time since the Biden administration that they stalled my consolidation for a year.
Product: Credit reporting or other personal consumer reports

I've asked Experian, XXXX and XXXX for the evidence that XXXX XXXX XXXX provided them to validate debt. A lease as they provided to CFPB is not a validation of debt. I provided all credit bureaus with an FTC Complaint as I believe the collection account is fraud seeing as I've had several issues with identity theft for the past year. I have several FTC complaints that have been investigated. The IRS has notified me that someone attempted to collect unemployment as well as file tax return with my social security number. The unemployment insurance agency in XXXX  also informed me that someone attempted to collect unemployment in the state of XXXX  while they lived in XXXX XXXX and it was a migrant farm worker. I've asked all credit bureaus to provide me with the details that they were provided by national credit systems. They have failed to do this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts that I have marked as inaccurate are : XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX ( Select Portfolio Services ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, I XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 an 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.