23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I stayed at a XXXX XXXX for 2 days, checking out on XX/XX/XXXX. The {$110.00} hold that was placed on my card was supposed to be released upon checkout. 
After noticing funds were not released I contacted the hotel who released the funds. 
After several days the funds were still not released. I called the hotel who sent .me proof the transaction was released and asked me to contact the debit card provider. 
I started calling dasher direct/payfare on XX/XX/XXXX. 
Phone agents were unwilling to help and refused to escalate my issue when I asked for a supervisor. They insisted that they could not transfer me XXXX that escalated issues are only handled by email. I called back to insist on talking to a manager to be hung up on and refused help by agents. 
I played along with the email games to only be met with refusal to help. They continue to say the transaction has not been released despite being sent proof. I have asked repeatedly to have someone actually look at the proof of the transaction being released and release my funds. 
Whoever the emails go to refuses to review the information provided to provide assistance. I have again asked multiple times for this issue to be escalated to no avail. I need help please. All I want is the hold removed from my money as it should have been 2 weeks ago on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$3900.00}, {$2200.00}, {$1200.00}, {$700.00}, {$1100.00}, {$2800.00}, {$930.00}, {$18000.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My account with DEPTEDXXXX AND 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. 

DEPTEDXXXX AND 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 months that are reported late 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 XXXXXXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft due to a collection on my reports previously and it was removed from XXXX  and XXXX, Experian refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of 15 U.S. Code 1681 I can not get XXXX XXXX etc due to my credit report.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XXXX of XXXX and financed through American Credit Acceptance. I have made payments every month for XXXX years, no late payments. My payments are {$560.00} / month so in total I've paid over {$12000.00} and my loan balance has only decreased by {$2000.00}. 
I went to trade the vehicle this week and the dealership told me my car was reported on my credit as a " loss due to natural disaster '' and has affected my credit for the past XXXX years. I haven't gotten anywhere with American Credit Acceptance and my credit report is wrong and I'm not sure if they've been applying my payments to my loan correctly. I think this was an intentional write off by the company to acquire COVID relief money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and natural person was denied a job by First Advantage when I applied for XXXX XXXX Employment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by this company due to the response I received. This is discrimination, because I applied in good faith to grow with company.
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.
Product: Debt collection

A company called Speedycash.com has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.
Product: Debt collection

This account {$340.00} for CommonWealth Financial for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from XXXX XXXX XXXX XXXX and then sent to Commonweath Financial. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus Commonwealth advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from CommonwWealth is because they got it when I disputer with credit bureaus. When I sent in verification of debt with Commonweath they only provided what was sent to them from XXXX XXXX. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to XXXX XXXX as well and they cant even verify anything outside of my name.
Product: Debt collection

this billl was paid in full over a year and a half ago they sent it to collections already before this and i reported it and provided the information showing it was paid they took if off and now they did this again this is illegal it needs to be taken off and XXXX XXXX XXXX  needs to be held responsible for fraud
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Product: Debt collection

Around XXXX XXXX XXXX I was a victim of identity theft causing my bank account to get shut down. Ive contacted BoA via phone asking to speak to the fraud department and I was only told that the claim would remain as a negative impact on my credit. Being that the report remains on my credit Im unable to make a bank account at ANY bank. Recently Ive done a credit check and it states that theres been a charge off to the account and was wondering if I would be able to get that remove for my credit beings that the debt was collected, I shouldnt be penalized for such.
Product: Debt collection

I never applied for a XXXX Credit Card. I just now realized this remains on my credit report. I have contacted all three credit bureaus XXXX, XXXX and XXXX  and they have done nothing. I have written letters on 3 different occasion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The account has been sent to 3 different collection agencies.
Product: Student loan

Last week I am not sure the date I made a double payment to Mohela which was taken out of my municipal credit union account XXXX days ago I received a reminder I did not make a payment when I did. I also sent MOHELA my original Employment certification form they told me they have not received it either. Mohela customer service is horrible they make you wait for over XXXX minutes on the phone I want proof and confirmation that my account is up to date and do not want to be charged late fees on my credit report
Product: Checking or savings account

Marcus by Goldman Sachs Savings Account XX/XX/2023 withdrew XXXX to my XXXX  checking account XX/XX/2023 transfered XXXX from my XXXX  to my Marcus Savings Account XX/XX/2023 transferred XXXX to my XXXX  Checking account - money was put on hold after verifying through their electronic connect system to XXXX XXXX. 

XX/XX/2023 I call Marcus by Goldman Sachs to verify the XXXX  Account. another XXXX is initiated to XXXX XXXX on top of the XXXX that was requested on XX/XX/2023 XX/XX/2023 Three calls to Marcus Goldman Sachs and they can not find the funds. 

I'm missing XXXX in my XXXX XXXX Checking account as well as my Marcus Account. 

Marcus has given me a 45 day turn around on the complaint. I am missing XXXX. 

I removed all additional funds by wire to my bank account today because they are incompetent on finding my money. 

Dispute # XXXX They would not upload any information to my account portal and would only do snail mail.
Product: Student loan

On XX/XX/XXXX,, 2024, I had made my first payment to repay my loan. The payment was {$300.00} and I made the payment through the Mohela studentaid.gov website, as I was advised to. I had seen that my debit card had been charged for the {$300.00} but it didn't show that I made the payment on their website under the account history section. It has been 3 months since I have been having this issue and it has yet been resolved. I've called numerous times and yet still no solution. The time that I reached out to Mohela to let them know about the issue they did open an investigation to look into the problem. Every time I've called they said that the investigation was still open and I'd have to wait XXXX business days. This whole situation is just very frustrating.
Product: Payday loan, title loan, or personal loan

on the week of XXXX i purchased a course online via webinar that i signed up for through XXXX. it was from XXXX XXXX from the XXXX XXXX XXXX, here is the link i used during his webinar to purchase the product. 

https : XXXX Throughout the webinar, XXXX pitched his product, and during his webinar before even purchasing, he presented a slide which I have attached is a screenshot that shows him offering a 30 day zero risk moneyback guarantee to try the product. 

I wanted to try the product and saw that he offered affirm payments as an option so I used affirm to open a loan for his course After XXXX DAYS of using the product, I felt that it would not work for me and I wanted to return it so I tried looking for his contact information on purchased course website. There was no contact information on the website, so I proceeded to reach out via XXXX on his profile to try and get my refund ( screenshots attached ) instead of acknowledging my refund request, he only tried to sell me something else, and from then on, proceeded to ignore me. 

I reached out to affirm payments and opened a dispute over this, and time and time again they would come back to me, saying that they were in favor of the merchant becasue as they state, the product was non refundable. 

I explained to them that it is conflicting statements to say that a product has a 30 day moneyback guarantee and also be non refundable which in my favor many of the affirm customer support team members ive spoken too are in my favor. 

Since XXXX I have been back-and-forth with affirm payments, disputing this fraudulent and deceptive activity from the XXXX standard academy. 

The merchant tried submitting a screenshot of his check out with a note saying nonrefundable, but it is not the same check out as I used, which is on the live link I provided above ( https : XXXX ) His counter evidence to back his claim, didn't even match where I purchased the product, after I explained that to the dispute team, they began to tell me that I only had 30 days to return the product and told me that it expired in XXXX, I haven't purchased the product till XXXX. 

At that point both the merchant, and affirm are claiming fraudulent things. 

the merchant can not advertise a 30 day moneyback, guarantee, and say that the product is also nonrefundable at the same time that is a deceptive business practice with conflicting statements, AFFIRM PAYMENTS fails to acknowledge that conflict and continues to be in favor of a merchant, thus facilitating fraudulent merchants on their platform
Product: Debt collection

-bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment -attempted to call " customer service '' representatives ; phone number no longer worked -Could never get in contact with " XXXX XXXX '' after my XXXXile had been " processed '' -FedLoan never mentioned my " consolidation '' in correspondence I have with them - {$1000.00} fee was supposed to be a " maintenance fee '' to keep my records with the student loans up to date -received text messages about amount being due and when the " payment '' had been recieved
Product: Debt collection

XXXX XXXX placed multiple accounts into collections without ever sending me a statement of services rendered. They turned the accounts over to collection agencies who apparently sued me for the debts. I never received notice from the collection agency that they were taking legal action, nor was I ever served by the courts regarding the date time and location of the trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are reporting inaccurate information on DSNB MACYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I noticed there is two collections on my credit report. The collector is Midwest recovery systems. The original debt was from XXXX XXXX XXXX XXXX. The amounts are XXXX and XXXX something. My issue is several things. First this debt is almost ten years old. And also inaccurate! 
These amounts were covered by insurance but because of a clerical mistake I was still billed. Now even though it was settled this debt keeps popping up but with a different collections company over the last couple of years. I have filed two other complaints with successfully removing them from my report. Now another company is attempting to collect the same exact debt. This company is calling my phone 40 times a day. I attempted to speak and explain this but the guy kept insisting on a payment. After making it very clear there will be no payment because the debt isnt accurate. The guy says well you will be sued!!? Well I know that even if the debt was accurate it is to old to sue. They cant do that can they? I would like the accounts removed from my report. Better than that Id appreciate an inaccurate debt to not be repeatedly sold to different recovery comp. I dont understand if the accounts are closed over and over why it keeps coming back. As always if it isnt removed and harassing phone calls dont stop I will seek litigation! These companies that repurchase these accounts should verify the accuracy of debt and probably should be some way to verify this information from the previous collections comp. they could easily show these accounts previously closed due to inaccuracies. Thankyou for your time and assistance. Sincere regards, Mr XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently became a victim of identity theft due to a crime being committed using my identifying information. Transactions were made without my consent or knowledge which caused my identity and credit standing to be compromised. The account that is the result of identity theft is XXXX XXXX XXXXXXXX. I am seeking remedy and giving notice to Trans Union, XXXX, and XXXX to do what is fair and equitable to me by blocking, deleting, and removing the entire account and its details from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I heard that One Main financial added services and did other things on personal loans. I have had this loan for a while and I am not sure if this happened on my loan or not but I was told to submit my information to have it reviewed.
Product: Credit card

Chase has been involved in numerous attempts to withhold funds that are rightfully owed. 
When I logged into my credit account, a different address was showing. I find this odd because all the letters claiming to be from the executive office come to the right address. I believe the letters that I've been receiving are fraudulent. I have attached an image of what address I saw when I logged in. 

Please note Chase recently denied a dispute to my card from XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX. All the proof had been there. I also showed proof of the company agreeing they would send a refund by XXXX. I didn't trust a refund by XXXX, so my request was to have it reissued to my card. 

Chase denied the dispute with all that information. When I filled a North Carolina Department of Justice complaint against the company the company agreed to issue the refund back to my card. 

I say this to say that I'm aware Chase is illegally denying funds and allowing culprits to escape without accountability.