23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding an international fund transfer I recently conducted through Bank of America. I believe this issue warrants your investigation and intervention. 

On XX/XX/XXXX, I initiated an online international transfer from my Bank of America account to an account in XXXX XXXX XXXX, both in US dollars. To my dismay, I discovered a significant discrepancy in the transferred amount on Wednesday. An amount of XXXX was debited from my Bank of America account, but only XXXX was credited to the recipient 's account in the XXXX  XXXX XXXX. These were completely different from the information provided online and on the receipt. 

In an effort to rectify this matter, I promptly contacted a branch at Bank of America this morning on Thursday. Regrettably, their response was unsatisfactory, as they informed me that they would not take any corrective action. 

I am deeply troubled by this situation, as it not only reflects a breach of trust but also raises questions about the transparency and fairness of the international transfer services provided by Bank of America. I believe that such discrepancies should be thoroughly investigated, and appropriate measures should be taken to rectify the financial imbalance. 

I appreciate your attention to this matter and look forward to a prompt and positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes with XXXX  for over a year regarding discrepancies and fraud on my account. XXXX  started using stall tactics by sending me letters stating my identity had not been properly identified, even though a copy of my driver 's license and social security card was enclosed with my dispute ( s ).

Once I began noting the FCRA violations in my disputes, they changed the names of the creditors unbeknownst to me. I found these changes  on the XXXX. 

Once I resubmitted my amended dispute, my access to the reports on XXXX became thwarted by erroneous messages of failed identity verification. 

XXXX  has also violated their authorization to bill my credit card for monthly subscription fees by charging me twice in less than a 24 day period. All the while denying me access to my account. Due to the gross abuse and neglect in this matter, I wish to file federal complaints beginning with violations of Sections 616 & 617. Please advise.
Product: Debt collection

XX/XX/XXXX I received a letter from this company stating I received services from " XXXX XXXX  XXXX XXXX '' on XX/XX/XXXX with two service charges of {$890.00} for that date, and XXXX for {$890.00} with a total balance due of {$2600.00}. 

This is completely frivolous and I am tired of going back and forth with collection agency after collection agency regarding this medical collection account. 

To begin with, WHAT SERVICES WERE RECEIVED? I WOULD LIKE TO BE PROVIDED THIS CONTRACTUAL AGREEMENT BETWEEN ME AND THIS COMPANY SHOWING MY SIGNATURE IN AGREEMENT TO WHAT SERVICES WERE RECEIVED. I AM DUE THIS ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 623 B. 

Stop connecting these medical accounts to me. I have not been to a hospital to receive any medical services and your inability to provide an original consumer signed contractual agreement showing services received and bearing my signature on it, proves that! Further reporting without producing this document will put you in FULL VIOLATION of The Fair Credit Reporting Act! LEAVE ME ALONE!! 

Be aware that a printout of a bill or itemized document does not constitute verification. I am once and for all requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Should you choose to not comply of federal laws under the Fair Debt collection practices act, the Fair Credit reporting act, and the corresponding local state laws, I further remind you that you may be liable for your willful non compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the fair debt collection practices act ( including but not limited to section 807-8 ), violation of the fair credit reporting act ( included but not limited to section 623-b ) you will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Debt collection

This company is reporting that they hold an account I am delinquent on that is in collections. The originator was a medical professional. I am a XXXX veteran and I only use the XXXX  XXXX and would not have a medical bill. I disputed this through a credit bureau and XXXX XXXX XXXX changed the originator. I disputed the collection again through the credit bureau and XXXX XXXX XXXX. verified that my dispute was accurate but then updated the report to show that the collection was delinquent again. At this point, I feel this company is harassing me through inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response XXXX years i been trying to get resolutions on the accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I specifically listed the accounts and informed them of the violations they are committing against my consumer report. It has been over 60 days since my initial dispute letters were sent, and none of the credit bureaus have provided a response. Copies of all correspondence sent are attached for your reference. 

These companies have violated FCRA 623 ( a ) ( b ) by failing to mark the disputed accounts as such.

Additionally, FCRA 605 ( c ) has been violated as the reporting period has continued despite the last activity on these accounts being incorrectly reported. This should reflect the actual date of the last payment made. 

Moreover, this company has repeatedly failed to validate the collection account, thereby violating FDCPA 809 ( b ) according to FTC guidelines. 

I request that these inaccuracies be promptly corrected, as they are adversely affecting my credit standing and rights under federal law.
Product: Credit card or prepaid card

I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, applied for personal loan on credit karma that said I had an excellent chance of approval and then I was denied the loan. Now I have a hard inquiry on my credit report from this. It's fine I wasn't approved but I never would have applied for it if it didn't say I had an excellent chance of approval. I want the inquiry removed from credit report. Credit karma did nothing to help except transferring me from person to person for 10 minutes before I said enough.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

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

Equifax mishandled my personal information, allowing it to be used freely by criminals. Instead of spending money to properly secure the data, they elected to shift more money to profit. 

Not only did they mishandle the information, they failed to notify me. Instead I found out from a third party through social media. 

Not only did they mishandle the information and fail to notify me, they tried making more money off of me. Trying to get me to pay for their credit monitoring services. This seems like some sort of mafia protection racket.
Product: Credit reporting 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: 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: Mortgage

Nationstar Mortgage, XXXX # XXXX, I am a consumer have a few mortgage loans with this company., I believe that my accounts are normal and I pay each monthly payment o time. 
The problem is this company made a a lot machine call to me and just bothering my normal life.. It is not XXXX or XXXX calls, its about XXXX or XXXX calls every days, .the calls have no real content. Just machine say bla bla bla. I try to response the call, it let me waiting for an hour and still waiting. 

I am not sure if this violate any law. as a customer, I do prepare receive call about my account. But such machine call w/o real content is annoying.
Product: Debt collection

There are two debts purchased by XXXX XXXX XXXX in which XXXX XXXX is listed as the original creditor. 

I am disputing both of these debts and I claim I have no responsibility for them. I have previously disputed these debits asking for information to validate these debits.
Product: Money transfer, virtual currency, or money service

Goldman Sachs failed to conduct fair and accurate oversight when they trained XXXX XXXX XXXX and also helped him to get licensing as a banker. 

XXXX XXXX speaks about Goldman Sachs as his source of training. He claims the company is pure evil. He cites his time working under XXXX and he openly discusses XXXX 's dealing with his clients. 

XXXX XXXX is a known abuser of women. 

She should have disclosed to me that XXXX XXXX XXXX physically beat his wife and his ex-wife XXXX XXXX and children. 

I have the documents to prove this and they are attached to this complaint.
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. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not Furnished my account without my written consent
Product: Credit card or prepaid card

Capital One : Fraud case XXXX I reported a fraudulent use of my credit card on XX/XX/XXXX to Capital one when I saw a charge of {$500.00} to XXXX XXXX XXXX XXXX XXXX. Yesterday I received a letter from Capital One denying the fraud claim saying that they had investigated the charge and found it was valid. I spoke to the XXXX department and was escalated several times and received the same answer of denial. I did learn two things from these conversations : 1. The supposed sale took place at XXXXXXXX XXXX in the morning in XXXX ; 2 ) the card was either swiped or used in person. 
I was indeed in XXXX from XXXX late evening from XX/XX/XXXX when my XXXX ship sailed. However at XXXXXXXX XXXX I was asleep on my cabin on the ship with my spouse. There was no way I could have made an in person purchase. Capital One refused to give me any information about the vendor including address. Indeed, I can not find any trace of the vendor. My conclusion is that when I visited the XXXX XXXX on XX/XX/XXXX ( and made no purchases or went into any storeswith a personal guide ) my credit card information was somehow electronically stolen
Product: Credit card

I called Capital One Credit Card Company and complained of fraud on a few purchases under my card name that posted on XX/XX/2023. They said they would look into it and in the time being, would suspend my account. I was fine with this since I didn't want anyone unauthorized to make charges on my account. I paid off my account to a {$0.00} balance until we figured out next steps. I have a business credit card with Capital One and upon logging on to the app and paying off that account, I saw my other credit card account had been closed. They took the account from suspended to closed and in doing so, said they couldn't reopen the account. In making this decision, I was left without the {$3500.00} in credit card points. They said they sent me a letter through the app, although I never saw it. I checked after hearing this and the only letter available was the letter stating they had closed it because they had not heard from me. If I had maintained a balance, they would not have closed it. They closed it because I had almost XXXX points that I could redeem. They saw and opportunity and took it.
Product: Mortgage

On XX/XX/year> I went to my locale PNC branch requesting a current to date payoff figure on both my Equity Loan and my Equity Line of Credit ( which since XXXX had been changed to an Installment loan ). I immediately wrote a separate check drawn from my PNC checking account for each loan. 

I filled out the requested form to payoff and close out the HELOC. They prepared a XXXX  XXXX  label ( copy attched ) which was picked up that afternoon. The payment was receieved by PNC the next day. 

Within a few days I received a letter of acknowlegement that my Equity Loan has been satisfied but nothing on other loan. Numerous phone calls and " escalations '' have not provided further proof of payment. I am under a court order to have my husbands name removed from these loans or a forced sale of my home. 

They are aware of thses circumstances, yet I am now forced to pay a new loan, and this loan with continued interest without any benefit to my self. I feel given the high variable rates they are doing this simply because they know they can get away with it!
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 invconvenience and financial loss, and I seek approriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the XXXX  breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Checking or savings account

XXXX XXXX XXXX through tip adjustment stole XXXX XXXX XXXX XXXX XXXX  dollars from me and bank of america allowed them to ive disputed and disputed and now there trying to say i owe them money ive asked for help and asked they said on last complaint they responded still no respones XXXX XXXX that money was from a law suit that XXXXXXXX XXXX XXXX XXXX XXXX and for bank of america and this XXXX XXXX to steel from me like that i have now ay of surving now and still no response when they btold you they did please help me here i dont even know who to contact theycommited fraud and yes i belive someone knows someone at both bank and XXXX XXXX  that how they are covering it up
Product: Debt collection

I attempted to use XXXXXXXX XXXX XXXX in XXXX of XXXX. I never actually filed payroll with the company because the platform is too complex for small businesses. I immediately canceled the service after the first billing statement hit my business checking account. Even after multiple cancellation attempts over the phone, the company kept billing my business and withdrawing the monthly ACH payment. It was so aggregious that I had to close that business checking account to stop the payment. XXXX has now sent the bill to collections and is still attempting to collect monthly payments!
Product: Student loan

I requested a student loan refund for a payment made after XX/XX/2020 in order to qualify for loan forgiveness, however ED Financial is being unclear in the timeline for processing the refund and not providing any confirmation for the request
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX never late XXXX XXXX XXXX {$1600.00} not mine
Product: Credit reporting 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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX