23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed a FTC Report # XXXX for possible identity theft. I also contacted the creditors and credit bureaus. Via mail and phone several times. With no resolution. These inquiries are hurting my credit. I also placed a fraud alert... I did not apply for credit with any of these companies! I need these inquiries removed immediately... 

Inquiry an date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello I had my account used fraudulently I noticed it when I seen money deducted from account when they withdrew and purchased also some charges not gone through I contacted the bank instantly because I had no idea how. Im in awe becasue I think my account information might be stolen as Im writing this I think its when I share my data to purchase something online but I dont know because they went to a local facility so I dont know who it might be. I contacted Bank of America I submitted a claim. Bank of America did nothing 1-2 days later the closed the case litterly after I told them I had never shopped at the stores they went to. I called back to tell them they made a wrong decision even when its clear as daylight. They reopened the case and still have not refunded the money the total is {$1500.00}. One being XXXX another being XXXX XXXX  and other being XXXX XXXX XXXXXXXX XXXX. And another a food place they went near the XXXX XXXX I called the XXXX to see where they put the delivery or what and they couldnt give me nothing. Im going to have to close this account and change banks. I had been with this bank since I got a bank account but after this I will need to with fear they can see my balance and more. 

Dates : XXXX XX/XX/XXXX {$200.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$1000.00}, {$25.00} {$250.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$27.00} XXXX : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 Time : XXXX & XXXX XXXX ( XXXX ) XXXX Called Chex Systems to resolve an account was met by a very rude customer service rep by the name provided ( XXXX ) XXXX 

The rep never asked me for information to look into my account to resolve matter, instead he talked about how the banks are, stating bank employees are XXXX  and they dont know anything, they only get paid {$11.00} hr. Then he directed back to me and said, You are here because, someone told you No! 

I tried to ask questions and he started talking over me. He appeared very angry. 
I couldnt get a word in to ask questions about account or asked for information required to pay account instead I was spoken to like a child. I just want to resolve or pay bill. 

I got tired of him talking down to me and spoke up and told him I dont need your opinion. Representative redirected my call twice, after saying to me You messed up. Then redirected me back onto the line to wait. 

Need help with getting a professional rep on the phone, who does insult callers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 Case # XXXX *Inaccurate information regarding sentence length of incarceration.
Product: Credit card or prepaid card

You closed my account back in XXXX because you learned that I had felony convictions. I simply want to know how you learned of this info since these things are not found in credit reports. Even you say I'm credit worthy so I want to know why you would need to investigate my background. Just looking for some clarity here on how you got it and why it matters to your company. I want copies of the documents used to discover this and make this decision.. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this XXXX XXXX account dated 2013 and Bankruptcy XXXX XXXX, It is violation of my federally protected consumer rights- USC 1681 a5 states no consumer reporting agency may report any adverse information other the records of convictions- USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I have been dealing with a company called Afterpay for years. In fact, I believe I was one of their first US clients. Afterpay.com will basically loan you an amount of money to be used at a particular store for particular items that they o.k. You are then expected to make 4 payments in 6 weeks to pay off the full amount. At first, this company was very friendly and helpful. They even asked me to help write good reviews for them on several sites which I was happy to do. At one point, I believe I was approved for {$2000.00} in credits since I never missed the payment date. 

Sometime in late August 2022, after making the XXXX payment for approximately {$70.00} of goods from the online store XXXX, I noticed that, in fact, I had just made XXXX payments on another XXXX order for the exact same amount of money. I called XXXX since I only received XXXX order and both order were for the exact same goods. The woman I spoke with XXXX, informed me that they had only received payment for XXXX order and were only paid for XXXX order. She gave me an order number to give to Afterpay and told me that it was Afterpay 's error and they owed me money for the XXXX extra payments I made. Essentially, I had made XXXX payments of {$17.00} instead of only the XXXX that were due thanks to Afterpay 's mistake. 

I immediately went to the Afterpay website and was shocked to find that Afterpay had ( 1 ) discontinued their customer service phone line making it impossible to resolve this matter by phone and ( 2 ) discontinued their online " chat '', as well. Thus, the only way to contact them with an issue was through a link on their website. I submitted at least XXXX complaints laying out the exact issue as described. Finally on my fourth attempt, made on XX/XX/XXXX, I received a " form '' response from XXXX at Customer Service on XX/XX/XXXX, stating that my dispute was being forwarded to a team of experts. On XX/XX/XXXX, I received another response from XXXX stating that my complaint would be allocated to a Complaint Specialist shortly. On XX/XX/XXXX, XXXX wrote to me and agreed with everything I complained about and agreed that she would issue a refund within 48-72 hours. Needless to say, not only did I never receive my rebate, but as of XX/XX/XXXX, I was still receiving emails stating that I was " late '' on my XXXX payment for both items and threatening to charge fees and destroy my credit record. I have tried reaching out every day with no luck. I am attaching a copy of the email chain, as well as the " threat '' letters.
Product: Debt collection

Macy 's card debt collection calls me 2 to three times a day. They called me twice on the phone number and 3 times on my wife ' number in 1 day. This is a violation of FDCPA. They have been doing this for the last 4 months. This is harassment.
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and no response here is my tracking number of my certefied mail that i sent and they received on XX/XX/XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Remove the fraud account or I will push the complaint.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to equifax about errors on my credit report about inaccurate information and informed them to remove it due to providing incorrect info on my file but they still continue to report it these accounts that been reporting incorrect information. 

Accounts are as follow 1. XXXX  XXXX  XXXX  XXXX  2. XXXX  XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$27000.00}
Product: Money transfer, virtual currency, or money service

my paypal account was frozen around XX/XX/XXXX after having the account for years, ive always had high usage, we have a store and we use paypal a lot. People pay us with gift cards and i put them on my paypal and transfer the funds to my bank or to my husband. Paypal told me that some of the cards applied to my account were reported lost or stolen and now my account is frozen with {$3100.00} in it. I believe that my account was hacked as well as there are a few transactions in there that i dont recognize and my XXXX account and XXXX XXXX accounts were also and they told me i was using a VPN ( which i dont have or even know how to use ). I have called them numerous times, messaged them several times and told them what is going on but they still will not release any of my funds. I even agreed to leave {$500.00} in there in case of any charge backs even tho i have a very low charge back rate on my paypal, but i need my money! i have copies of my messages to them trying to resolve the issue however the messages from XX/XX/XXXX have been removed but say i can access them for 90 days i just need to get a hold of them and i did but he told me i would have to reach out to their legal team to get a copy of that one.
Product: Debt collection

I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up.
Product: Credit card

US Bank completed and submitted an online application for a VISA Platinum personal credit card that was processed and sent to me without my authorization or knowledge on XX/XX/2016. I was notified through a telephone from XXXX voice mail on XX/XX/2016. I received the credit card on XX/XX/2016. This is a red flag as it is the same fraudulent business practices similar to the XXXX XXXX XXXX scandal.
Product: Money transfer, virtual currency, or money service

HELLO XXXX, XXXX XXXX XXXX XXXX XXXX I WANT TO REPORT THE PAYPAL COMPANY BECAUSE THEY STEAL MY MONEY WORTH XXXX LAST XX/XX/year> MY ACCOUNT PAYPAL ACCOUNT WAS PERMANENTLY LIMIT LAST XXXX WITHOUT ANY REASON THEY ASK ME TO SUMBIT SOME IDENTICATION ID SO I CAN USE MY PAYPAL AGAIN BUT SUDDENLY THEY JUST PERMANENTLY LIMIT MY ACCOUNT I HAVE XXXX USD ON MY ACCOUNT AND THEY TOLD TO ME THAT I WILL GET MY MONEY AFTER 180 DAYS THEY WILL EMAIL ME HOW TO WITHDRAW IT AND I CHECK MY ACCOUNT LAST XX/XX/year> ITS 180 DAYS OF MY ACCOUNT AND IM SHOCK THAT THE FUNDS LOST AND PAYPAL TOOK IT WITHOUT TELLING TO ME HOPE YOU WILL GON NA HELP ME NAME ON PAYPAL ACCOUNT : XXXX XXXX TRANSACTION ID XXXX AMOUNT PAYPAL TOOK : XXXX HOPE YOU HELP ME SIR/MAAM BECAUSE MANY PAYPAL USERS LOST THERE MONEY AND PAYPAL COMPANY VICTIMIZING THE PAYPAL USERS THEY GETTING TONS OF MONEY OF THERE CONSUMERS
Product: Debt collection

I checked my credit report and found EOS CCA had been submitting a collection report saying I owe {$90.00} to XXXX XXXX bill. 

I called them to ask what it was for, and they told me for XXXX XXXX bill from 2008 or so. I let them know I have not had XXXX, and I asked why they had n't ever contacted me. They said they tried to previously, but I 've never received a message from them or any letter saying they were attempting to reach me. 

I requested verification of the debt from EOS CCA 3 months ago, and they still have not provided this. I called XXXX XXXX and they were not aware of this bill.
Product: Credit reporting or other personal consumer reports

You failed to re-investigated and I am in disagreement with all the inaccuracies report to the credit agencies. You have violated my consumer rights in accordance with the Fair Credit Reporting Act. This XXXX XXXX account charged off as of XXXX 2020 and it is currently reporting as charged off XXXX consecutive months which falsely manipulates the statue of limitations. You failed my previous request to fix this issue. This account shows inaccurate status paid with XXXX, paid with Experian and derogatory with XXXX. 
Again this account is not accurate among the XXXX bureaus, you failed to re-investigate this account properly and you neglect has violated my rights. I demand a deletion of the following account. XXXX XXXX XXXX
Product: Prepaid card

I received an American Express gift card from my place of employment that was purchased on XX/XX/24 in the amount of {$500.00}. The gift card keeps getting declined at several merchants ( online and in-person ). The phone number on the card doesn't reach a live person and I have tried logging into the website on the card ( ) AmexGiftCard.com/Balance ) and it keeps giving me an " Error. Try again in a few minutes '' message. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed letters to XXXX, TransUnion, and XXXX via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.
Product: Mortgage

I applied to refinance my mortgage and was assigned XXXX representative XXXX XXXX. He instructed what the process would entail and stated a loan processor, XXXX XXXX would contact me to begin the process. XX/XX/XXXX Ms. XXXX XXXX contacted by phone and introduced herself. She stated I would need review a " To Do '' list to submit documents to begin the process. She said the current submission of proof of my Social Security document was not sufficient, I would need to " submit a W4 or W2 ''. I told her the website does not request any of my personal financial information, may I submit other options. She was adamant I must submit my personal financial information for her to view. I requested to see this policy in writing, because their To Do website did not state persona financial documents. She avoided my questions and rushed off the phone by saying I will let you know. I waited over 36hrs and have not received a response. I believe this employee was trying to obtain personal information without following the guidelines and information listed on their website. She has not contact me back which created more suspicion. I contacted the 1st representative, XXXX XXXX who has refused to forward me to a supervisor or management to voice my concerns or receive an explanation. Ms. XXXX XXXX has not contacted me since I disputed her request and my application is remaining stagnate. I am not sure if she is discriminating because I am male who is asking for policy in writing, but my application should not be affected because of my gender. Or she was trying to receive my personal information to commit fraud. I do not know since she has not contacted me back. I am submitting a screenshot of their website To Do list and no where on their does it request personal financial documents.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and as a result, a fraudulent account has been added to my credit file. As per 15 USC 1681c-XXXX ( a ) and FCRA 605 ( b ), I request that the following fraudulent account be blocked and deleted from my credit report : Fraudulent Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

Within the last few months, I have attempted to contact the creditors and Experian regarding several listed items on my credit report to correct errors and remove inaccurate information. I am a single mother with hopes of purchasing a home soon for me and children. I have been denied credit that could be of great use to me personally and for my family. I know for a fact each item listed on credit report has not been properly investigated for accuracy. According to 15 U.S.C. 1681, I have a right to fair and accurate reporting. I greatly appreciate your assistance in resolving this matter.
Product: Debt collection

Bull City Financial has posted a number of inaccurate collection items on my credit reports. This collector has not made any effort to contact me nor have I received any correspondence from the collector regarding the stated debt owed. No information has been sent or provided by the medical provider either. I'm fairly confident this is breaching at least several financial standards and/or regulations designed to provide fairness and protection from such activities. Further, the debt was submitted to the State of Virginia and has been added to my tax liabilities for the last three years. Several thousand dollars has been deducted from my VA tax refunds and goes somewhere. Once again, I absolutely have no knowledge or information outside of the name of the provider - XXXX XXXX XXXX  XXXX XXXX or the debt collector mentioned here. Have disputed information added by Bull City Financial on a number of occasions with all three credit agencies, but the Credit Agencies keep reposting the collection items in favor of Bull City Financials. How is this a fair practice in relation to the consumer? I was never provided an opportunity to dispute nor request any information regarding any debts owed.
Product: Debt collection

received automated phone call from a company this morning XXXX at XXXX calling from a XXXX in regards to a matter that was being judged today as well as a reference number i was connected over to a man who became extremely aggressive when i explained the debt was paid a few years ago. he became extremely aggressive and verbally abusive and hung up. I called the number that was provided back and got the name of the company and location of the company. 

XXXX in XXXX XXXX Fl. 
XXXX The man 's name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I contacted Experian in XX/XX/year> regarding an account on my credit report showing inaccurate information. the account is XXXX it is listed as a closed account that went 30 deliquent straight to 90 days delinquent. Experian claimed that they verified this information with creditor and that it would not be deleted from my credit report. this account stills shows that I went from 30 days straight to 90 days without a 60 days deliquency. Experian did not properly investigate my complaint and did not follow the appropriate fed laws governing inaccuracies listed on credit reports
Product: Credit card

On XX/XX/year> my Chase XXXX XXXX  was compromised. Someone had made a hotel reservation for close to {$13000.00}. I immediately called Chase and closed the account. I also had the hotel cancel the reservation immediately which they did. 

On XX/XX/year> I received a call from Chase fraud accusing me of lying about the fraud and telling me that I really did make the hotel reservation. I then spent the past XXXX hours providing proof that it was not me.
Product: Money transfer, virtual currency, or money service

I am filing a 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: Debt collection

RENTDEBT AUTOMATED COLLECTIONS I do not have a contract with this company Collection is not from original creditor. I have never heard of this company.