23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I just typed a very long message that disappeared after I checked the docs I uploaded. The chronology is a bit of here. That option coming before submitting is leading to me have to type again. I'll be brief. 

I am complaining about the Indigo credit card. This company has tanked my credit utilization twice, and I just got it. Initially they reported a few days after I got the card. Normally, if it's close to the due date they report the following period. I didn't have a payment, but I got a notification stating they reported the XXXX I used? Basically telling the creditors I owed them without informing me I did. On that note. I called in to make my payment, so I can ask why they reported I owed them a few days after I got my card. She said that's the way they report at that company. I then stated to here I want to make my minimum payment, and I'd pay the rest before the statement prints. I explained why. All credit card companies report what's left on the card after you've paid in full on the statement date. They don't tell consumers this either. 

She went on to say that they report the next day. On that not, I said I'd pay the full balance, which I did. Only to receive another notification from experian today say my score tanked XXXX points due to her not processing the payment. The funds I transferred are still in the account, the date as well. I will upload it. I was going to use my debit. She said I had to use a checking account. I asked her to stay on the line while I transferred funds into the account. She repeated the number back and processed the payment. I almost feel like she intentionally did this simply because I was upset about them reporting I owed them to the creditors, while I wasn't aware. If this is the case. She basically didn't take my payment, which her company is in business for ; and pays her to do. Only to spite me. 

Not sure if the XXXX documents came, but I'm resubmitting them to be sure.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dear equifax, I am writing to dispute the following information that appears on my equifax report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Macys back in 1991 individual credit card that my wy somehow was able to put a name joint with with mine account that I dont know about or without my authorization and she closed it. 
It was my most valuable member card too. 
After that she divorced me left me with nothing to go about my daily life. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.
Product: Student loan

I was notified through the mail that I might be eligible for Student Loan Forgiveness program. I filed the necessary paperwork, but did not hear back with the XXXX. So I called my loan servicer, Navient. There was an option to speak with someone about loan forgiveness, so I pushed that button & was transferred to a third party company who said they could file my paperwork for me. The name of the company is XXXX XXXX XXXX XXXX, and their charge came out of my back under the name XXXX XXXX XXXX. I immediately got an email from the Department of Education saying there has been suspicious activity on my account and that I may have paid for a service that I could do for free. This third party, who I was referred to by Navient was in fact fraudulent. When I confronted them, they screened my calls, denied they were frauds & said they would not return my money to me because they had filed my consolidation forms. Had I not pressed the button when reaching out to Navient, I would still have that money in my possession.
Product: Credit reporting or other personal consumer reports

I have requested a re-investigation of the accounts listed below with a letter dated XX/XX/year> from Experian & have not received a response. Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct a re-investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information. 

Accounts : XXXX XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair reporting credit act these accounts has violated my rights ( public record reference number XXXX XXXX  XXXX XXXX account number XXXX ( XXXX balance XXXX XXXX account XXXX ( XXXX balance XXXX XXXX account XXXX. ( XXXX balance XXXX account XXXX. ( XXXX balance XXXX XXXX  account XXXX XXXX  account XXXX ( XXXX balance 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 i have disputed and have prepared my documents for damages after disputed it has been told to me that this information was furnish by the furniture. i submitted a letter from the court stating that this info is not shared nor does it has any information as such the court does not share this or report this information to anyone. this is a lie and i want it removed immediately i have been extremely challenge credit wise want is owed to me.
Product: Debt collection

XX/XX/2022 Recieved a Text from : Phone number XXXX Claiming to be United Collection Bureau , Inc. asking me to call XXXX or visit ucbinc.com do not have any outstanding debt. This is a phishing scam. 

Thank You
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, a fraudulent activity occurred in my PayPal account, where money got sent from my account to some XXXX XXXX in the amount {$1100.00}. 
I called PayPal about this transaction, and they recognized that this was a fraudulent activity. The amount has not been refunded, and after following up with Customer Service was informed that Paypal can not do more to get my back, because the merchant has refused to refund. I have sent two emails to XXXX XXXX ( CEO of Paypal0, but no response from him. 

I need help here, because PayPal is unwilling to rectify a fraud that occurred on their site. 

Thank you, XXXX XXXX
Product: Checking or savings account

I opened a checking account at Wells Fargo recently. Currently the bank tells me I have {$2700.00}. in my account. I wanted to do something online on XXXX  XX/XX/22 and I was unable to read my account online. When I called Wells Fargo they informed me there was some kind of " fraud '' going on, however, they refused to tell me the particulars and eventually cancelled my card. I actually was issued two debit cards, but neither one worked. 

I am in assisted living and I will be XXXX in XXXX and naturally I do n't drive. I can't get to the bank and therefore I have NO MONEY. They get irritated when I call, but express no empathy for my situation. It is necessary for me to order my groceries online and without a debit card that is not possible. 

I have called that bank at least 10 times, trying to understand why my debit card is blocked. At first they told me my debit card would work, I just couldn't read my account online. Now they are not even pretending that my card is not blocked. 

Wells Fargo is stealing my money and nobody will do anything about it. Thanking you in advance, XXXX XXXX XXXX XXXX My rent is due and I can't pay it.
Product: Prepaid card

My government benefits were stolen and used before i ever recieved and activated my card. When I recite my card there was a balance of XXXX dollars and my government benefits were gone. I called Bank of America for over a year to resolve this matter and all they continue to do is deny my claim even when I supported them with verifiable documents to support my claim
Product: Mortgage

In XXXX we established a HELOC with Washington Mutual, for {$55000.00}. We increased this line in XXXX to {$110000.00}. WAMU was subsequently purchased by Chase. In XX/XX/XXXX, we refinanced the HELOC and paid Chase in full. Last month, we were attempting to refinance the new mortgage with our current bank, and the title company determined that a reconveyance was not properly filed by Chase. They filed one for the XXXX original line, but not for the XXXX increase. We are doing this 2nd refinance to free up cash to pay off costly revolving debt, and the delay ( which has been two weeks now ) is costing us hundreds of dollars in additional interest. The main issue here is their response to this issue. We have contacted Chase many times - the title company has called and e-mailed them at least 6 times, and I have called or emailed 10 times ), and we keep getting an apology that they are " diligently working on the issue ''. They also said it takes 7-10 business days to research the issue, and we are now at Day 11. Their incompetence, coupled with the lack of urgency in this matter, has caused substantial stress on our end. I also know that improper reconveyance processing has been a large problem in the industry. Loan number XXXX, payoff XX/XX/XXXX for {$110000.00}.
Product: Checking or savings account

In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( tm ) ALL RIGHTS RESERVED, XXXX It's an Failed transaction i do t Understand I didn't approve the transaction or transfer my funds either your company or XXXX XXXX XXXX XXXX XXXX , XXXX or Both transferred funds to another accounts he or she requested i didnt send it or receive it i was scammed Rights Violated Consumer and Constitutional per U.S. Federal Laws and Regulation implies I also noted I didn't send it I recently talk to Cashapp concerning the funds to the account in question guess its nothing they can really do because the amount in question it's still fraud shouldn't Be possible I had funds in on my Cashapp account when this happened I told them it wasn't me deceptive practices caused me financial harm should get punitive damages for this long process stressful process Cashapp $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , As XXXX XXXX XXXX show In account
Product: Debt collection

Notice of a collection of debt was sent to an old address. Therefore, I did not receive it right away. I tried to pay the debt but was unable to do so. The date the notice was received is XX/XX/2022. It was sent on XX/XX/2022. Reference number XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$9200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Balance {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$3700.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX Balance {$1500.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify is accurate : XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters to American Express on 3 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for on XX/XX/2021, XX/XX/2021 and XX/XX/2021 with receipts from the USPS certified mail. The reason is for a dispute that they are reporting inaccurate information on my Credit Reports and failing to state or mark that my dispute inquiries are being disputed on all my reports. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending verification, it needs to be removed from my Credit Reports. Thank You, I've tried to resolve this with the company and ask for validations, but they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXXXXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.
Product: Debt collection

Collection appeared on my credit report recently for a debt I do not owe. After further rear garage it was Determined that the alleged amount was for a emergency room visit from 6 years ago ( from a hospital and original collector who no longer exist ) when my daughter had 100 % paid state XXXX and never pays for any medical expenses out of pocket. I attempted to explain this to a representative who was not only rude but would not assist me in getting this resolved.
Product: Student loan

I believe this company AES is not acting in my best interest. I went to XXXX College in XXXX and XXXX College in XXXX. I have been struggling since I left college with just my XXXX degree, I asked this AES company for help at the most desperate time of my life and feel as though they took advantage of my situation by altering my original balance and adding unjustified fees to balloon my balance. As of today I am still struggling, but I have paid this company {$17000.00} since leaving college in 2010 with an original balance of {$22000.00} and this company AES has ballooned my balance to {$31000.00}. My attempts to contact this company by phone to complain are met by absurd wait times that I can not meet, yet this company AES has no problem sending me automated phone calls anytime I am late to pay and spamming my e-mail with do-not-reply e-mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent and allowed the leak of my personal information ( such as birthday, SSN, address, and more ) to an unknown amount of people. They waited weeks before alerting me that my info may have been leaked, and they did not take the necessary precautionary measures to prevent something like this from happening.
Product: Student loan

My student loan payments were being applied to a loan that did n't exist during a period of time in the beginning of my loan payments. The loan company thanked me for catching this error but did n't move the payments back over. I 'm not sure where the money went but I was then told I was well behind on my monthly payments. Again, payments were being drawn out and applied to a loan that does n't exist. On numerous occasions through XXXX they 've pushed forbearance as an only option for me with my student loans. I 've tried income based payments but whenever I gave my amount ( XXXX ) they 'd always tell me that I made too much to help lower my payments which then put me into forbearance. Currently there is a loan out there for " {$2500.00} '' that now is going up at 24 % a year in interest but I was only made aware of this loan in the past 6 months but it 's apparently from 2009 and the creditor is the XXXX. I ca n't get proof of the loan paperwork nor do I recall ever taking a loan out through my own University ; plus I 'd of never applied for a {$2500.00} loan due to not needing those funds. Now this loan has gone up to {$5000.00} and increasing each year until it 's paid off. I 've tried to work with the XXXX but have gotten nothing but payment requests back. The Agency used my resume from a job application in Michigan to track down my employers and ask them if I was still employed. Consistently harassed by phone calls for payments I 've stated I ca n't make, documentation sent out for wage garnishment. The Agency harassing my parents for payments or work information. After looking at all my Federal Loans Online the amounts listed are much more than would be required for schooling and no matter the amounts paid there is no relief in sight to get help moving the balances down.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT consistently calls after I ask for signature proof of me a agreeing for a debt with XXXX  XXXX to be sold or signed off to MIDLAND CREDIT MANAGEMENT which I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 XXXX XXXX XXXX XXXX XXXXXXXX have 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 instruction
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the 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, credit repair services, or other personal consumer reports

I have paid this account as agreed and the company/credit reporting agency has reported the account as closed instead of paid as agreed and it has negatively impacted my credit score and report which is not doing right by me as the consumer who fulfilled this high dollar commitment.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX wirelles international transfer to XXXX XXXXXXXX XXXX XXXXXXXX at Key Babk XXXX XXXX XXXXXXXX XXXX Mannager tild me is direct deposit or by XX/XX/XXXX to my sister acount, XXXX never give the right information, never told meXXXX is others fees and charges, never told me is and other Bank first in the money transfer XXXXXXXX XXXX XXXXXXXX today friday XX/XX/XXXX is still not answer when my XXXX wull be back in my acount. Wirelles department put a stot recall requested it was completed XXXX XX/XX/XXXX