23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX and XXXX opened a Genesis Financial Services account when I was purchasing furniture I had a account already with XXXX so Im not sure why they opened the second account but I disputed with credit bureaus and it was closed in XXXX but reopened by Genesis in XXXX I have disputed 3x with credit bureaus but Genesis XXXX rains the account When I call Genesis they tell me its closed but its still o my credit report as open for {$4000.00}
Product: Checking or savings account

On XX/XX/year>, i had a new hair appointment at XXXX hair studio in XXXX, Virginia with an 'experienced " hair stylist to provide the look i was seeking. I was immediately dissatisfied with the work or lack of work she performed yet charged me for, a total of {$300.00}. On XX/XX/XXXX and XXXX, i contacted XXXX -- said hairstylist with my disappointment and concerns. She offered to fix it but then became hostile and spoke very hostile language to me. XX/XX/year>, I called XXXX hair salon to speak to XXXX XXXX, the owner/manager to tell him of this negative experience and request a full refund for my hair that was now damaged and nothing that i asked or paid for. He was empathetic and offered to have an expert 'fix ' this mess up, but later that day i became more irritated after learning this 'expert ' just graduated beauty school 1 month ago. I called back that same day, XXXX, to tell XXXX I was not getting my hair further damaged with his so called expert. 

I immediately posted about this negative experience on yelp and XXXX reviews to warn other consumer to avoid this hair salon. Shortly after these reviews my debit card used at the XXXX salon the ONE time of service kept getting charged random amounts of money. 

On XXXX, i was charged {$53.00} from XXXX for a 'no-show ' fee, despite my phone records to show i called and verified cancellation with XXXX, the XXXX himself. Then, on XXXX, my card was unauthorized and charge by XXXX for {$190.00}, even though it had been almost 2 weeks since the first and only time doing any business with them. 

I immediately called the bank when i noticed these charges on XXXX. They were empathetic and told me id get my stolen money back as well as encouraged me to seek criminal charges against the merchant. 

I provided NFCU with the phone records, the text messages, and the police report on the merchant for larcency. 

After almost two weeks of no communication from NFCU, i called to review these disputes and cases to which they told me they've been closed because 'i gave the company my card information '.

Even though i had to close my card out, the card that got compromised. NFCU then sent me the wrong debit card twice!!! They lack any attention to detail. It took three tries to finally get the right card out to me -- it took two weeks!!! 

This is unacceptable. Yes, i paid for service for hair styling on XXXX, but i did NOT authorize the salon to continue to charge my card, after i was unhappy with first service!! There were no services or agreements for the {$53.00} and {$190.00} charges, and as the police report shows is complete fraud!! 

Its beyond me how a company i charged my card on ONCE can continue to charge it without my authorization. It seems like a lack of security on NFCU behalf. 

I need help getting my charges for {$52.00} and {$190.00} back, as this was stolen money from my account, and account NFCU should be protecting!!!
Product: Checking or savings account

on XX/XX/XXXX Chime closed my account without any notice. After several calls and a different story received with each person I spoke to I was told a check will be mailed to me in 30 days. 

On XX/XX/XXXX, I received two checks-funds from my checking account {$2700.00} and the funds from my savings account {$270.00}.

I deposited the check from my Checking into my new bank account with XXXXXXXX XXXX  on XX/XX/XXXX only for XXXX to call me to tell me that the check was no good. 

After calling Chime I was told that the check were good and to take them to another bank.
Product: Debt or credit management

there's been an error on my report about late payments from wells fargo credit card service company that I never gave permission to.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX the Illinois disbursement unit sent a payment of XXXX to Way to go card and also on XX/XX/XXXX XXXX. The monies never came to my card. I contacted the disbursement unit and which they assured it went to Way to go. I have called Way to go from XXXX XXXX up to XXXX XXXX  today XX/XX/XXXX. I've spoke with over 10 different reps, transferred to level 2 several of times. I guy told me that my monies was sent to XXXX XXXX and he thinks my account was hacked and went on to say he had the routing and account number and someone must got a hold of my personal information. So he transferred me to the fraud dept and no one never answered after being on hold for a hour or more. I spoke to another rep around XXXX and he said I need to go to the local office, mind u I haven't lived in Illinois in 3 years. I explained I live in Mississippi and that my payments have been fine for many years. They are telling me that someone opened up direct deposit and that's where the money went and they aren't able to replace it. 
The disbursement unit sent monies to them and they sent it to a direct deposit and not my card, but last month there was no problems. Way to go keeps giving me the run around and telling me to contact ILSDU and XXXX XXXX office when clearly they are the ones who messed up and are telling me they can't do anything and constantly transferring me.
Product: Debt collection

Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information.
Product: Credit reporting or other personal consumer reports

Did your employee XXXX XXXX XXXX XXXX make fraudulent transactions for illegal immigration scam artist XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX escrow account checks in my name thanks to your employee arrangement enabled him to do it as cover of a fake loan as XXXX use my good loan paid up in full XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX still  desperately determined to conceal the mortgage fraud. 


TO CONTINUE NOT TO ANSWER IS FRAUD IN ITSELF AND IF YOU CAN'T SIMPLY SAY NO THEN IT IS TRUE. 


The CFPB MUST FINE YOU. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I joined  XXXX   XXXX  for a personal trainer, after receiving a personal trainer by the name of  XXXX . We setup payment dates which the money would be taken out on. One week prior to the first payment due, I reached out to  XXXX  to reschedule the first payment.  XXXX  was very understanding and she would let management know about the change.  XXXX  told  XXXX  another personal trainer and  XXXX  said he could change it but he never did.  XXXX  reason for not changing it was because he had personal family issues going on but that is not a good reason not to do your job plus that was unfair to me. So the {$250.00} was taken out of my account and that let me in a bind. The same day the money was taken out, I went up there to get it resolved but they were n't understanding or compliant at all. They said it is what it is and they can not do anything about it in a very rude manner. So I cancelled my membership and they still want me to pay for a gym I stopped attending the same day they refused my refund.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$51000.00}
Product: Credit card or prepaid card

On XX/XX/2022 I paid in full a balance I had with Synchrony Bank also known as Care Credit in the amount of {$970.00}. I had a {$1000.00} credit limit. On XX/XX/2022 I checked my XXXX XXXX account and checked my credit score. I saw that Care Credit had deliberately misreported that I was late on the account twice and the account was still unpaid and therefore lowering my score on both my XXXX and XXXX reports by nearly XXXX points. I immediately reported the misinformation and disputed the report through XXXX. On XX/XX/2022 XXXX acknowledged the misinformation and updated my credit report. They then after the fact retaliated by lowering my credit limit to {$250.00}. They sent me a letter by email saying it was due to high balances on my credit report which is obviously a blatant lie. I severely doubt it was coincidence that they made this decision after they had already been paid in full and was caught deliberately misreporting by XXXX AND made this decision on the very same day they they corrected my credit report. I would like one of two things to happen. The first option : to apologize to me for the extremely poor customer service, the erroneous damage to my credit report, and the gross breach of business ethics and people skills and to restore my credit limit to the original {$1000.00}. The second option : Close my account altogether and cancel my card. If they can not perform business honestly and fairly and treat me as they would like to be treated as a customer and a person then I have no desire to do any further business with them at all. There is literally no amount of money in this world for me to accept abusive business practices or be bullied in any form from anybody much less a business I just paid in full in the amount of nearly a thousand dollars.
Product: Credit reporting or other personal consumer reports

Subject : Request to Enforce Financing Transaction  under HJR 192 and Relevant Legal Provisions To Whom It May Concern at Ally Bank, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : XXXX. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
XXXX. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels Ally Bank to recognize and process the transaction under these terms. 
XXXX. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
XXXX. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : XXXX. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

On XX/XX/year>, I received a payment of {$13000.00} by wire transfer through SoFi Bank from another financial institution for a completed task. I retained {$3000.00} and distributed the remaining amount to my team. Due to SoFis policies, I was unable to send the full amount in a single transaction, so I had to break it up into multiple payments using XXXX XXXX, SoFis Pay My Friend feature, and XXXX. 

On XX/XX/year>, SoFi locked my account. No fraud was indicated, but my account remains restricted to this day. When I contact SoFi and request a written explanation for the restriction and an estimated resolution timeframe, they are unable to provide one. It has now been XXXX months, and SoFi has only informed me that my account has been closed and that the funds are being traced. 

This issue involves my personal account, which also included funds in my savings account. The total remaining balance in my personal checking and savings accounts is {$1600.00}, which is also restricted.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 a
Product: Bank account or service

I have an account with Capital One 360 and have for a few years. Maybe. Their customer service stated on XX/XX/XXXX that my account was in the negative in XX/XX/XXXX and they closed it. Strangely enough, they still sent me a new Debit Card and accepted my transfer of money to get my account balance to XXXX. Last week I deposited all my funds from another bank and initiated this transaction through Capital One and they accepted the deposit. Suddenly they are stating the account was closed in XX/XX/XXXX. I am befuddled as to why they were still accepting deposits on a closed account and most importantly, they still have not returned the money, which they said they would. I am currently XXXX and the XXXX and change is all the money I have in the world. Why are they so quick to accept money, but not so quick to give it back. I 'm staying in a XXXX right now.
Product: Credit reporting or other personal consumer reports

This company called Entrada Inc dba Resident Verify needs to be investigated. On XX/XX/XXXX, I was denied a rental application for a rental company I have been doing business with since XXXX. The prospective rental property submitted my information and found it odd that I was denied as well. I owed the company no money and there was no skipped rent as stated by Entrada / Resident Verify. Entrada tried to blame XXXX initially but admitted via a supervisor, that a client made this false claim they are using against me. This false claim of owing miney is not on my credit reports BUT Entrada is reporting false information on behalf of XXXX. I called Entrafa twice on XX/XX/XXXX and spoke to XXXX. I was told by herself and the attached report that I was on Rental History Watch list that would continuously get me denied in the future because of a lie by the same company but different property / property manager told. This property had to let me out of a lease twice because of misrepresentation and housing code issues in XXXX and XXXX AND pay me back money from my deposit. I was legally let out twice by the same landlord who reported the false information. After I told Entrada I would be submitting complaints about false information they had no proof of except conflict of interest and hear say because this company pays them. I owe no money. This needs to be erased. Please see the proof. Again, I understand this client pays Entrada Inc but XXXX is not reporting this information nor XXXX rent bureau. Its false and against credit laws. Its obvious this company is sketchy because my rental score that this company created isnt even low.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX Account XXXX XXXX XXXXXXXX, XXXX Account XXXX XXXX XXXX, and XXXX  Account XXXX XXXX XXXX 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 instructions
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to omit this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was illegally repossessed by this company. I never received in documentation that I was in danger of car being removed. Once it was removed, company failed to send me and proof of accounting and documentation on how I could pay and get my car. I called and sent letters to get info for car ... NO RESPONSE. I have contacted a lawyer and was informed there was supposed to be documentation sent to me in accordance with repo. I only received a settlement later months after the car was taken. I have also referred this to a FDCPA attorney to file a motion.
Product: Credit card or prepaid card

Hi CFPB, I am having a large issue with my Apple Credit Card.

I have had the card roughly a year. 

I have, and have always used, the full auto payment feature of the card. 

Each month I get statements. 

I have XXXX problems of varying severity : 1. If you add up the new charges on the statements, they do not add up to the amount they say it does 2. if you add up the online transactions they also do not match the statement amount 3. they say I am revolving a $ XXXX balance month to month but I am on full auto pay and can confirm each month it is set to pay the full balance. Even after a month of paying the full balance, they charge me another $ XXXX. It doesnt make any sense. 

4. when I texted them about it, they admitted it was broken, forwarded me to a manager and then the manager said that it is what it is. When I called about it they just hung up on me. Something is wrong. I am a very kind and polite person and this doesn't make any sense. I never was rude or yelled or was expressing my frustration I don't understand why they are treating me this way. 

something is seriously wrong with the apple credit card accounting and I am worried it is costing me hundreds of dollars because of their bug, and nobody in the support teams, not managers, not front line has any answer for it. 

I have more documentation I can upload but it says it has a XXXX limit, happy to upload any and all data : including statements, screenshots, call logs with support, text logs with support. 
I reached out to XXXX XXXX times across chat and phone, each time resulting in either " it is what it is '' or just straight up hanging up on me. which is odd bc nobody was rude, usually if people hang up on you they are rude to you, they just say oh ok I see your statements, then hang up. something is wrong here.