23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I imitated to add an external bank account to transfer in funds via ACH. Bank sent trial deposits for verification. Trial deposits were in account next day but I was unable to verify on XXXX XXXX website for 5 business days. Bank claimed they need to wait for funds to come back to them. After entering verification on XXXX, I initiated two transfers for XX/XX/XXXX for {$25000.00} and XXXX for {$5000.00}. XXXX has a daily limit of XXXX and was unable to do XXXX in one transfer. On XX/XX/XXXX my account became locked and unable to view online. Called bank but was closed all weekend with no option to unlock account. On XXXX called and bank claims they want to verify ownership of external account. Bank will only verify via a statement emailed. Also received a secure email stating a similar request. I told them I have concerns about uploading to their secure email. I asked what their data retention and protections are. They could not provide other than stating they must keep for 7 years according to the Gramm Leach Bliley Act in response to my question. Called after email on XXXX and asked for another option such as calling external bank for verification. As of XXXX, bank has no solution and hasnt unrestricted the account. In the meantime, they processed the other XXXX transfer when they had doubts about ownership. This is irresponsible behavior. Additionally their secure email sever is miconfigured as I receive emails to reset my password at night. Emails says I only have 30 minutes to complete the reset process. At first I thought someone had tried to access my secure email account at the bank, but it appears to be poor configuration. As a result, how can I trust the bank will be responsible with an external bank document to verify my account.
Product: Debt collection

Direct Recovery Services contacted my fiance 's brother about a debt I owed from 2 years ago. They mentioned that if I did not contact them it would lead to being served papers to go to court and that I only had 24-48 hours to contact them. When I contacted them I asked for proof of the debt belonging to me and I was hung up on. I was also promised that once the debt had been paid I would receive an email confirming the debt paid and closed, I still have not received my email.
Product: Vehicle loan or lease

In XX/XX/XXXX, my spouse and family were relocated to XXXX, XXXX because my husband 's career supports the well-being of the XXXX XXXX XXXX XXXX soldiers. 

On XXXX XXXX, XXXX, we returned from XXXX to the United States ( to Ohio ). In XXXX we purchased a XXXX from XXXX XXXX in XXXX, XXXX. We paid {$600.00} extra to have this vehicle returned to the XXXX using their " white glove '' service. 
On XXXX XXXX, XXXX, our XXXX XXXX XXXX arrived in Ohio XXXX XXXX ) after a XXXX delay, sitting at a port in XXXX. 

The XXXX overseas shipment program has been less than satisfactory and promises more than it delivers to XXXX soldiers and diplomats. We have encountered various issues along the way. Truly the only benefit to paying that much money was so that our vehicle was delivered closer ( in proximity ) -- that's it. Our current Volvo Rep at XXXX in XXXX, OH, is terribly unaware of the process. I do believe that Americans are being ripped off repeatedly overseas, specifically in XXXX at our military bases, due to over promising and under delivering. Who is overseeing and keeping these business practices ethical?
Product: Debt collection

When I signed up for my gym membership at XXXX XXXX in XXXX, I was NOT told about all the different membership options. I feel as if I was scammed into going with the 3 year MOST EXPENSIVE plan. I had just turned XXXX and I feel as if I was taken advantage of for having such little knowledge of contracts. I have tried to cancel this membership and havent been there in months, so I simply stopped paying. I dont have any way to pay for this due to me not having a job. I am a young mother and my top priority is NOT this gym membership. I have no money to pay this off and I just wish to cancel this membership all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXXXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX  .Filed a complaint with my State attorney General officeXXXX XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXX.Email XXXXXXXX Ceo as last resort before I Sue them.
Product: Debt collection

On Friday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXXXXXX stating " Their information shows : You have or had an unpaid balance with XXXXXXXX XXXX XXXX XXXX XXXXXXXX under your account number ( XXXX  ). '' CURRENT CREDITOR : Telecheck Services, LLC. 

As of XX/XX/XXXX, you owed : * XXXX plus a fee of {$25.00}. 
* XXXX plus a fee of {$25.00}. 

I contacted XXXX XXXX XXXX to get more information about this " alleged '' debt on Monday, XX/XX/XXXX, by phone to request more information about this debt and dispute it. The representative of XXXX refused to assist me with this account information by speaking in a hostile manner, redirecting me to file a dispute online or pay over the phone with him to clear the debt. I attempted to explain, " THIS IS NOT A DEBT, IT IS AN ONLINE GROCERY ORDER THAT WAS SUCCESSFULLY PLACED AND RECEIVED BY XXXX AND THIS INFORMATION CAN BE VERIFIED WITH XXXX ONLINE CUSTOMER CARE AND XXXX XXXX XXXX '' I explained to the representative that this debt is illegal! 

The representative threatened me by stating " If I do not dispute or pay the debt by XX/XX/XXXX, they ( XXXX XXXX XXXX ) will report me to the credit bureaus. 

I then contacted Telecheck to understand why they reported me to a Collection Agency and I was immediately cut -off from speaking and redirected to contact XXXX XXXX. When I declined and again tried to explain, the representative disconnected the call. 

I called XXXX XXXX XXXX and was informed : I do not have any outstanding balance with their online services. 
All orders that I placed were paid as agreed and delivered or picked up. 
XXXX does not use a third party to assist them with collecting a debt. I was advised to contact my bank to report this activity with XXXX. 

I contacted XXXX XXXXXXXX XXXX to verify that all of my online orders or any orders from XXXX were successfully debited from my account and verified that funds were in my account for the date in question, XX/XX/XXXX and that enough funds were available to cover my expenses. XXXX XXXX did agree no charge was insufficient. 

HOW CAN SOMEONE MAKE A PURCHASE WITH A RETAILER AND GET REPORTED TO A COLLECTION AGENCY ALL IN THE SAME DAY?
Product: Debt collection

Good Day, I'm submitting this complaint in regards to a account that I had with Freedom Acceptance Corporation which had a balance on the account and was sent to another company called XXXX. The Balance at the time of the Charge off XX/XX/XXXX was XXXX  and when looking on my credit report I was a balance of XXXX. I received as notice from XXXX in XX/XX/XXXX with a balance of XXXX. I contact XXXX on XX/XX/XXXX and talked with a rep that told me my account was back with Freedom Acceptance Corporation. I asked them for a Date they didn't have one. And I then called Freedom Acceptance Corporation and was informed by them that my account was still with XXXX. It's seems that I'm getting the wrap around with what is going. I started making these calls at XXXXXXXX XXXX  P.S.T. on XX/XX/XXXX and still don't have any resolution on where to go next. I have not received a summary judgement from a court or Judaical system stating the balance of XXXX.
Product: Checking or savings account

I am writing to formally file a complaint te guarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union ; where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Product: Debt collection

I have sent a mail asking the agency about to validate the debt in XX/XX/2020. I have not received any further communications. I tried to cal them and no one picks up the phone during business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$7000.00} EQUIFAX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00}
Product: Debt collection

Experian is reporting false debt on my credit report for XXXX XXXX XXXX I have submitted documents regarding my dispute and Experian has failed to do a full investigation for this account and show proof that it belongs to me.
Product: Checking or savings account

Chime acccount appeared on credit report and I havent had a chime account in over 2 years. Information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX CO Account Number : XXXX ; XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; UTILITY SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX 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 in to be removed.

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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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: Money transfer, virtual currency, or money service

I sent money to this company and they said that they were going to repair my credit but it never happened.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to remove fraudulent items from my credit file. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been diligently monitoring my credit file to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove fraudulent items from my credit file without my consent. Immediately rectify any inaccuracies or errors related to my credit file that may have arisen from these removal attempts and provide me a written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit file should be based on accurate and verifiable information. I kindly request that you respond to this complaint within exact timeframe and take the necessary actions to rectify this situation. With this issue, I am asking for your assistance to remove the fraudulent items : XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$750.00} XXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : BANK OF AMERICA XXXX Date Opened : XX/XX/2013 Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

On multiple occasions I have submitted disputes online as to the validity of the companies and debts allegedly owed, including original contracts and agreement signed by all parties involved, and also through email for some companies. I do not recognize any of these companies as ever having loans through them but theyre reporting as original creditor on my reports. I have never received the information requested and nothing ever changed on my reports. As far as disputed I either I got a determination saying its valid debt within just a few days saying the debt was validated with no proof from the bureaus equivalent, XXXX XXXX, and XXXX ( which seems odd because there was no investigation ) and I never received proof. I have also reached out to the companies directly on multiple occasions through response to emails and never receive everything I asked for. XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX are the three companies that I can remember. XXXX XXXX was the one through email. All are reporting as original creditor and have dates saying they were opened within the last year which I know I have not taken any loans or credit cards in the past several years and none from any of these companies.
Product: Credit card or prepaid card

I purchased a too good to be true item online. The seller immediately charged my Capital One credit card for the item which carried the " XXXX '' banner and sent an official looking email with all the correct XXXX logos and contact numbers stating to log into my XXXX account for information on shipment status. I do not have an account with XXXX. I emailed the " merchant '' on XXXX different occasions with no response. I filed a claim with CapitalOne twice and they said they have closed the case and the charge of {$96.00} was reinstated to my account. They said I need to contact the merchant and work directly with them. I filled out Capital One 's form and told them twice there was no way to contact the merchant. 

I am wanting CapitalOne to deal with this and return the fraudulent charge.
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 that 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 the 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

I have retained an attorney who has se nt two ce ase and desist letters because they continue to contact my minor child. Those were signed for by someone at the company on  XXXX   XXXX  and  XXXX . However, the calls continue.
Product: Credit card or prepaid card

XX/XX/20 We received a ReliaCard issued by USBank. The card was unexpected and did not align with any accounts we own. That same day we inactivated the card, and the customer service representative noted that it was an Ohio unemployment card. We have never been to Ohio. They used a decades old phone number and likely additional old information ( however it made it to our most current address ). Clearly a fraudulent card. Note : nothing will be attached as it was a credit card issued document containing personal and sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act convergent account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions
Product: Debt collection

on XXXX XXXX i recived a phone call and aletter in the mail by a debt collector name of : in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called XXXX.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..
Product: Credit reporting

I have re-aging accounts that are still reporting on my credit back since 2007. I have disputed them some moany time and the credit reporting is still has not removed and will not help me any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are inaccurately reporting on my credit report with Transunion one is with XXXX on Transunion and the other is with XXXX XXXX on Trans, these accounts are not showing on my XXXX  report or XXXX  anymore. I have written them several times and sent them my police report but they still have not removed this account. 
I just want these accounts deleted from my report.