23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is about a Credit Card Debt with Capital One that was sold to XXXX. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with Capital One Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.
Product: Credit reporting

This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and Im unsure why they appeared. I regularly check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this, Im requesting a thorough review of the documents I submitted so I wont have to worry about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I feel that it is because of Associated Bank that I have been scammed out of {$1200.00}. I recently had a transaction I was involved in selling a piece of furniture. I received a check from a potential buyer, which I cashed. I had to send a payment to a mover which was to be from cash I had from cashing the check. I was told by the bank teller that it could take up to five business days for the check to clear and ensure the check was good. 
On the fourth business day after cashing the check, I called Associated Bank customer service line and spoke with XXXX, who informed me that the check had cleared. I specifically asked him to confirm it had cleared both banks, and he assured me it had. The fifth day, I called again and spoke with XXXX? who confirmed again that the check had cleared both banks. I then paid the mover with the cash. 
Two days later, I received an NSF notice, dated the same day that I had the phone confirmation with customer service. When I went to the bank and spoke with the branch manager, she was very nice but said that I should not count on customer service because they were not always good with communicating correct information. I should call a branch and speak to the manager in the future, because they are much more experienced. She sent my information to her fraud department, and nothing further was offered. 
If I had not been assured twice by two people at the bank that the check had cleared both banks, I would have never released the cash to the mover. Now I find myself out the {$1200.00} because I believed the Associated Bank customer service department. I asked the bank to check their recording of my calls to verify what I asked and what I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXX/XX/XXXX XXXX XXXX ACCT # XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported on my personal credit file social security numbers, Mis spellings or correct spellings for someone other than my name, and a verity of social security numbers that can not possibly belong to me. I have requested all of this inaccurate information be removed. I have even threatened Civil Legal action.
Product: Vehicle loan or lease

SunTrust bank has caused me as well as my family much anguish by charging off a SunTrust auto loan account which was paid as agreed. In XXXX 2017, Ive received a phone call from XXXX, a SunTrust Bank representative, notifying me that my auto loan was about to mature and that I must pay a final payment of approximately {$3200.00}. I explained to XXXX that I could not make the high payment of {$3200.00} at the time. I asked XXXX would SunTrust Bank allow me to continue to make regular payments of {$300.00} a month until the loan was completely paid in full. Since I had never been late or missed a payment previously, XXXX, agreed that SunTrust Bank would indeed allow me to continue to make regular payments of {$300.00}, in which I faithfully paid every month thereafter. Not only did I pay as agreed, I also made double payments whenever possible in order to speed up the process. However, after paying as agreed and getting my balance down to around {$1000.00}, on XXXX XXXX, 2017, SunTrust Bank, being the predacious institution that theyre, charged my account off and caused major grief to myself as well as my family. Knowing that the charged off account would destroy my credit rating for seven long years and cause unforeseen hardships upon myself and my family I decided to pay the {$1000.00} payment to SunTrust via the collection agency, XXXX, in order to pay the loan in full. This charge off is especially concerning to me since it also affects my XXXX grandfather, XXXX XXXX XXXX, who co-signed with me for this loan. At this point, all I wish is that SunTrust Bank would have a little compassion and honor their agreement and change the account status to paid as agreed.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those  lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.
Product: Money transfer, virtual currency, or money service

Im a XXXX and offer XXXX. I was contacted by someone seeking XXXX  and come to find out it was a scam. They sent me a check which I cashed through my bank : Discover Bank. The check was returned 3 days later but with no explanation other than contact sender. I explained to the bank that I believed the check was valid because it was cashed and my bank said the funds would be available early, that same day of XX/XX/XXXX. There was no fraudulent warning when I deposited the check. I contacted the fraud department but they were unwilling to give me back the {$1500.00} that were sent out from the funds of that check because they said I willfully deposited and sent out the money. The person that sent me the check does not answer my texts or calls and they have a XXXX number. I filed a fraud claim with h to he FTC. I hope you can help please. Im a XXXX and on a single income for my family. Thank you!
Product: Debt collection

I am filing this complaint to address an issue with Experian inaccurately reporting a collection account allegedly tied to XXXX XXXX XXXXXXXX on my credit report. I have no knowledge of this account, nor do I owe any debt to XXXX XXXX XXXXXXXX. Despite my attempts to dispute this matter directly with Experian, the inaccurate collection remains on my credit report, causing undue harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information they report. By continuing to report this unverified and inaccurate collection account, Experian is in violation of this legal obligation. 

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and the credit bureau must conduct a reasonable investigation into the dispute. I have submitted multiple disputes regarding this collection, yet Experian has failed to provide adequate verification or remove the inaccurate information from my credit file. 

The inclusion of this unverified collection account creates an inaccurate and misleading portrayal of my financial behavior. It unfairly lowers my credit score, impacting my ability to access credit, obtain favorable financial terms, and maintain my financial reputation. 

Resolution Requested : Validation or Removal : I request that Experian immediately remove the XXXX XXXX XXXXXXXX collection account from my credit report unless they can provide full and proper validation of the alleged debt, including documentation from the original creditor. 
Investigation : Conduct a thorough investigation into how this account was placed on my credit report without proper verification and ensure compliance with FCRA requirements moving forward. 
Prevent Future Issues : Implement measures to prevent similar reporting errors, ensuring accuracy and transparency in the credit reporting process. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will help ensure compliance with federal laws and protect consumers like me from the harmful effects of inaccurate credit reporting.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, ink. ) due to inadequate customer service and under practice which violates 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: Credit reporting, credit repair services, or other personal consumer reports

I previously sent ( 4 ) certified dispute letter requests to Trans Union Consumer Disputes dated XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 to either verify and if it could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided? They are in direct violation of the Fair Credit Reporting Act
Product: Debt collection

I have written to and disputed this account multiple times, and I still have received nothing in the mail at all in reference to it! This is a huge violation of my rights as a consumer. In this country you can not report invalidated information to third parties, as that constitutes defamation. The FCRA explicitly states that I have the right to the information being reported about me to the credit bureaus, they have failed to validate themselves. The FDCPA states I have 30 days to receive validation or the account is moot, they have failed to provide validation of the debt they are reporting. They are in flagrant violation of the rights granted to me. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request I am a victim of XXXX. The information listed below, which appears on my Chex system 's consumer report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Prepaid card

I received multiple AMEX gift cards from my employer as a prize in 2020 and was able to make some purchases with them, but now I have various sums on all cards and I can't use these cards anywhere in the last few years. 

These virtual cards are declined online and in XXXX XXXX XXXX  stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for XXXX years. My money is inaccessible. All I want is the total balance on my cards in cash/check. 


The card numbers and values are as follows : Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$38.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$10.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$16.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$49.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$250.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$47.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$90.00} Card XXXX : XXXX | Pin : XXXX | Remaining balance : {$70.00} Total unspendable balance across all cards : {$580.00}
Product: Checking or savings account

Was texted the following message from ( XXXX ) XXXX : NAVY FEDERAL CREDIT UNION : Did you attempt {$200.00} on debit card at XXXX # XXXX XXXX XXXX XXXX? Reply YES/NO/HELP. Dont want fraud txts? Reply REMOVE. 

I replied yes and was called from ( XXXX ) XXXX ( XXXX XXXX collect number ). 

The caller knew my account number and my previous address ( I gave the state of my current address and he said it was listed as a secondary address ), but requested I give additional information to verify my identity. I provided my personal info ( including my SSN ), but knew something was awry when i was notified my account password was changed and they guy I was talking started talking about wiring money. At that point, I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports. 

They offer 1 free year, then want me to pay for THEIR mistake. They were negligent on their duty to keep my data, which is taken without my permission, secure. It would also be nice if CFPB would do their job and stop closing my actual complaints. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is my third attempt trying to fix this problem with Capital One. On XX/XX/, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse action 15 U.S. Code 1681m you can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the Truth and Lending Act I, XXXX XXXX is the the creditor which only a natural person can be an creditor. Capital One denied me of credit which is impossible to do neither in Congress laws speak of being denied of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is about Trans Union Supervisor, On XX/XX/2023 i put a call in to trans Union on a matter that was very sensitive and stressful to me as I have been fighting fraud for a few years. my complaint is with a supervisor by the name XXXX XXXX on approximal XXXX Est time I was transfer to a supervisor that was very argumentative on laws that he has no clue of and no understanding i called to fix the issues being furnished on my report to know that's i will be bumping to a supervisor aggressively about laws he has no clue of. its unfraternally this conversation was recorded, and I will be asking for a copy since it was recording. he was more worried about my believes in law then helping me.I want to file a complete on this supervisor. 
who truly question the ethnicity. Even when ask is we was done your employee for your trans Union department keep pushing for some type of respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i file several complaints on XXXX credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND XXXX ISSUES THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF XXXX  NEED TO BE SUITED AND I WILL FILE A LAW SUIT