23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I left XXXX to go to XXXX on XXXX due to terrible service. The worse in the last 20 years. I called and spoke to XXXX. I asked XXXX how much my early termination fees would be if I left that day and went to XXXX. She said {$480.00} or {$520.00}. I had her check both my number and my sons number. I also told her about a {$500.00} gift card that I was given by XXXX for bringing my own device. She said you do not need to pay that back. It is yours to keep. We even tried to make a payment on the {$480.00} or {$520.00} with that card. My first bill from XXXX was emailed to me a week after porting out and was {$1000.00}. I immediately called and asked them to escalate it to a team manager. He was rude and condescending. I asked that the transcript from that call be pulled and preserved for evidence of the conversation. He could not tell me what the {$1000.00} was for. Then, XXXX took {$1000.00} out of my checking account without approval. then the bill went to {$1400.00}. And no one could explain why. I spoke to them a dozen times after this, spending hours and hours on hold and then in discussion. During one of these calls, XXXX offered to take {$250.00} off, but I politely declined. I owe what XXXX said that I owed on XXXX. When I get a bill for {$480.00} or {$520.00} as I was told, I will gladly pay it.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Debt collection

I have been in constant contact with Southwest Credit Systems and have formally disputed this collection attempt with them directly multiple times. Finally, I was able to get in contact witXXXX XXXX, the original account holder, who was able to give me a clearer understanding of what is going on. Southwest should not be reporting anything to my credit report and they need to remove whatever information they have placed on all 3 bureaus altogether. My XXXX  account is paid in full and was XXXX has confirmed the account is in good standing. There is no outstanding payment to be collected although Southwest continues to hound me regarding this. XXXX  has informed me this is illegitimate and that this needs to be completely removed. XXXX also promised that I would be removed following my final payment to XXXX directly. I have attempted to have XXXX conference calls regarding this issue with myself, XXXX XXXX and Southwest. They refuse to acknowledge the account is satisfied and in good standing with XXXX  They continue to be extremely predatory and continue to ask me to make payment on something that I have disputed multiple times with them. They have yet to check and verify with XXXX regarding this. I have contacted this company XXXX times since XX/XX/23. They have not returned any of my calls for the XXXX voice messages that I left with the Executive Relations department. They know that this debt is invalid and refuse to take action.
Product: Credit reporting or other personal consumer reports

XXXX has allowed Affirm to report buy now pay later accounts to my credit report. After disputing the accounts multiple times they refuse to remove them even know these types of accounts are not suppose to be reported to the credit bureaus. Affirm has also refused to remove the accounts as well despite it going against the credit reporting rules.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. 

Please investigate the following : INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 

I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the Better Business Bureau and the Federal Trade Commission.
Product: Debt collection

XXXX never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. XXXX failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.
Product: Student loan

I have asked Nelnet to reimburse all payments made towards my student loan between XX/XX/XXXX and current. 
The request for reimbursement was initiated in XXXX of XXXX. 
Nelnet processed the reimbursement and credited the amount of {$2000.00} back on to my loan weeks ago. 
Nelnet continues to tell me over and over after 6 or more repeated requests and calls that the checks are " in the mail ''. 
To date I have not received credit in my bank account or any physical checks. 
I contiue to get conflicting information from Nelnet and the run around. Attached are screenshots from my bank of the 2 payments made I've asked to be reimbursed. Nelnet also deleted my entire payment history in my online account. Why?
Product: Credit card or prepaid card

Capital One Platinum Master Card Account Ending in ... XXXX. Account closed by the creditor XX/XX/XXXX. 
XX/XX/XXXX Remaining balance of {$12.00} paid, a {$.00} credit remained on the account.

Payment Due Date XX/XX/XXXX.

XX/XX/XXXX account charged a {$6.00} finance charge, minus the {$.00} credit a remaining balance of {$5.00} remains. 
Called Capital One on XX/XX/XXXX to dispute this finance charge, was told I was responsible for the fee. 

Complaint : Closed account with a XXXX  balance continues to generate finance charges with the expectation that I need to pay each time. 

Please assist with the resolution of this.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : $ o Chargeoff-XXXX- XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : $ o Chargeoff-XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed-XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from DISCOVER BANK account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called DISCOVER BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. I reported XXXX XXXX account for inaccurate payments information.
Product: Checking or savings account

On XX/XX/2024, my checking account showed XXXX debits made to a finance company named XXXX. These were, per my bank, Comerica Bank, made with my debit card number. I filed fraud reports with Comerica Bank and XXXX. I have not heard back from Comerica Bank. XXXX returned the funds for XXXX of the XXXX transactions. Comerica Bank received these funds at XXXX EST on XX/XX/XXXX. 

I emailed XXXX asking when the final debit would be reversed and have not received a response yet. 

The issue that I need help with is that Comerica Bank stated to me that the funds have been in pending status since the XXXX at XXXX and that they have not determined a date by which these funds will be available. 

I would like the funds to be made available today. It is unreasonable to hold the funds as pending for an indeterminate amount of time. 

Thank you very much for your time and consideration. 

Very respectfully, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

son-in-law passed on XX/XX/XXXX, XXXX used usaa credit card to pay funeral expenses. 
called usaa for info on amount outstanding. my wife informed me we had not received a statement for several months. usaa advised us that this could not possibly happen. 
usaa told us we should pay them an amount of money to square accounts with usaa. 
no statement of account was provided to me. at the same time we got a letter from their collections dept and said we were late in making a monthly payment. this was placed in our credit file. 

i received a letter from usaa on XX/XX/2022. usaa stated that several statements were held in error. a check was issued to me in the amt of {$350.00} for lost use of funds. 
once again they provided no statements to determine if their math was accurate. i understand by law they have to provide me with a statement so i can check if all charges are mine. they held my account in limbo approx. five years. can you do anything to remedy this situation? thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed accounts on my consumer reports. The CRA 's Experian, XXXX and XXXX have failed to properly investigate the accounts. They continue to violate the consumer laws and report inaccurate information. I have disputed with the following consumer laws and sent all correspondence by certified mail. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

Atm shut down before withdrawal was completed but the bank still took XXXX dollars out of my account even though the machine gave me nothing. And they are not helping at all its been 2 weeks plus with no answer back to my complaint im on XXXX and a tight budget every XXXX counts.
Product: Money transfer, virtual currency, or money service

On XXXX I received a message from the cryptocurrency exchange 'Coinbase ' explaining my account was being forcefully closed with no explanation other than an unspecified violation of Terms of Service. To my knowledge there has been zero cause for a violation.

After this point access to my account was restricted and upon logging into coinbase.com I am presented with a screen detailing my crypto holdings with no process to recover them. The page informs me I must empty these accounts so they can proceed with closure, however they provide no process to transfer funds. 

The assets being withheld from me are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX The estimated value of these assets as of XXXX is {$100000.00} USD.

I have provided information to verify the issue and my account on XXXX. Their support agent said I was experiencing a non descript " technical issue '' that their team is working to rectify.

I contacted Coinbase support again and received a response on XXXX that they are still looking into the issue. This length of time seems sufficient to have sorted out their issues, or to have worked to provide me with a workaround.
Product: Credit card or prepaid card

Chase unilaterally closed a credit card account I have had with them for 19 years, supposedly for " inactivity. '' They assert they sent me a single letter with a 15-day " use it or lose it '' message which I never received. I was in good standing with them, never a missed or late payment in nearly two decades. I have an overall credit score in the 800 's.

Their actions risked damaging my credit score by reducing my available credit. Doing this with only a single, non-traceable letter is completely unaccepable. I spoke with their customer " service '' representative on XX/XX/20 - approximately 60 days after their unilateral action which I discovered quite by accident. I was told that " there was nothing that could be done. '' This, too, is completely unacceptable. 

Looking at the CFPB website, this kind of high-handed behavior seems to be a common occurence by Chase. It is gravely disappointing and I believe they need to address this kind of abuse of their long-term customers. I would, at a minimum, institute a process of no fewer than three letters to long-term cardholders before closing an account. While there is a cost associated with this, I am confident that it would be swiftly recouped by customers using formerly dormant cards to maintain the cards ' validity, generating fresh profits for Chase. 

I will certainly not be recommending Chase to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

GUARDIAN CAPITAL MAN ( Opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Checking or savings account

I MOVED TO XXXX  ON XX/XX/XXXX.I HAD BEEN WORKING IN XXXX XXXX  FROM XX/XX/XXXX THUR XX/XX/XXXX. MY NEW POSITION STARTED ON XX/XX/XXXX AND I WAS LAID OFF ON XX/XX/XXXX BECAUSE OF THE COVID. I APPLIED FOR UNEMPLOYMENT FROM XXXX  ON XX/XX/XXXX, I WAS APPROVED ON XX/XX/XXXX. I DID NOT RECIEVE ANY PAYMENTS UNTIL XX/XX/XXXX, AND THEN I RECIEVED MULTIPLE ACH DEPOSITS TO MY CHASE ACCOUNT BECAUSE OF THE TIME LAG. 

ON XX/XX/XXXX CHASE BANK FROZE MY ACCOUNT AND DEBIT CARD. ON XX/XX/XXXX I CALLLED CHASE AND WAS INFORMED THEY WERE CLOSING THE ACCOUNTAND I WOULD RECIEVE A CHECK IN 7 TO 10 BUSINESS DAYS. 
SINCE THEN I HAVE SPENT HOURS ON HOLD WITH CHASE, MET WITH MY CHASE BRANCH MANAGERS 3 TIMES AND TURNED OVER DOCUMENTATION TO THEM FROM THE STATE OF XXXX. MY ACCOUNT WAS OFFICIALLY CLOSED ON XX/XX/XXXX. I HAVE BEEN IN CONTACT WITH XXXX FROM THE EVECUTIVE OFFICES AND HE STILL ISN'T ABLE TO TELL ME WHEN I WILL RECEIVE MY FUNDS.AS OF XX/XX/XXXX. 

THE AMOUNT OWED IS {$7000.00}. I MADE A DEPOSIT OF $ XXXX.FROM A FAMILY MEMBER THAT CLEARED ON XX/XX/XXXX AND ANOTHER DEPOSIT OF {$3900.00}. THAT WAS A BANK CHECK FROM XXXX  XXXX XXXX  IN THE SAME WEEK. 
THIS ACTION BY BY CHASE HAS CAUSED ME TO BE BEHIND 2 MONTHS ON RENT, CAR PAYEMENTS, LATE CHARGES, ADDITIONAL INTEREST ETC AND EMBARESSMENT AND STRESS. 
.
Product: Credit reporting

On XX/XX/XXXX I voluntarily repossessed a vehicle XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX XXXX XXXX reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from EXPERIAN that my XXXX XXXX decreased by XXXX points. After looking at my other scores ( XXXX, XXXX ) and reviewing accounts I determined that nothing has changed. No derogatory circumstance to support such a decrease. This is the second time this has happened ( same exact thing happened last year ), and it is specific to my XXXX EXPERIAN score. I called Experion, and they were unable to help or answer question of WHY? There is nothing to dispute because nothing has changed. I would like some kind of clarification but EXPERIAN is unable to answer any questions. I haven't had any such changes on my XXXX, nor XXXX scores.
Product: Credit reporting or other personal consumer reports

Following up for the 5th time checking my transunion credit report. Transunion had failed to provide proper proof of ownership or where there source of info pertaining to a fraudulent account that appears on my credit report XXXX XXXX account # XXXX with a balance of {$5600.00}. 
I am asking that transunion be reviewed for failing to properly investigate fraudulent accounts and disputes. I have submitted identity theft report and police reports with transunion blatant regard to investigate thoroughly