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

On XX/XX/2023 I made a transaction using my XXXX XXXX XXXX card which is my employee card transferring {$500.00} from my XXXX XXXX XXXX card onto my chime debit card while making the transaction. The one with the cashier said I could use my debit card while I was swiping my card. It has been approved just so happen. The store manager approaches and says that I need to cash to make the transaction after I have a swipe my card the money was deposited onto my Chime account but before I deposit the {$500.00} I had $ XXXX cents remaining from my text refund. XXXX didnt give my bank card time to transfer the money from my account to chime so XXXX called Chime stating something about a loss prevention or any something in that nature Ill call chime. I had send documentation front and back of my ID the receipt of the transaction the explanation of the transaction proof of my physical address thats on the Chime account. And all that was sent on XX/XX/XXXX one day I get a represent to say much it was gon na be expedited give it to 3 to 7 business days the next day I get an email saying its gon na take 7 to 10 business days so that Im not getting a refund back after I had sent an explanation OK so they still telling me to the cine more documentations I sent in the documentation five time I have emailed them over 100 and something times I have called them over 100 and something times I have explained this transaction over and over and over nothing has been done. I have told them to refund the {$500.00} back to XXXX please just send the remaining of my {$2500.00} because I am a hole. I am a single parent not only that I just came at a homeless situation which I was saving that money just so I could be a able to move. I have explained the situation over and over and over and chime. Im XXXX is getting to the point where Im not even getting a response from Chime no updates or anything
Product: Debt collection

I noticed a collection account on my credit report from the collection company XXXX XXXX which looked a bit odd to me because the balance is still being reported by the original creditor, First Tech CU and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to XXXX XXXX  to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX I called an XXXX number which represented itself as XXXX XXXX gold members number. I book a ticket from XXXX to XXXX XXXX using XXXX XXXX. The agent, XXXX, said the taxes were split into XXXX amounts, due to being XXXX different airlines involved. Later he said that the {$740.00} charge was so ticket could be changed. Mileage award tickets can always be changed without a fee, only tax differences. When I called XXXX a few days later to change my flight, they had no knowledge of the {$740.00} fee. I called the fraudulent agency, XXXX, and on XXXX XXXX told me a credit would be issued. On XX/XX/XXXX he said he would provide a transaction ID for the credit the next day and it would take XXXX credit cycles to post. This never happened. When I called again he wanted me to cancel the dispute with Citicard, which I did not. I went through the dispute process with Citicard, and received notice XX/XX/XXXX that they were denying my dispute. I talked to a supervisor at XXXX on XX/XX/XXXX, explained the problem, she was rude and hung up on me. There are numerous consumer complaints against XXXX, and I think Citibank should have decided that the charge was fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

1 address, 2 collections,1 revolving, and 5 inquiries that are unauthorized and are not related to me
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from the XXXX and XXXX data breaches. As a result, a fraudulent account with XXXX Bank ( Account # XXXX ) has appeared on my credit report with Clarity Services. I submitted a dispute under FCRA Section 605B and provided the required documentation, including an identity theft report, government-issued ID, and proof of address. Despite this, Clarity Services has failed to block the fraudulent account within the legally required XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  and Transunion countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX  I wrote to equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Product: Student loan

XXXX XXXX I took out a personal loan with Climb Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX ) to attend a cybersecurity certification program with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ). I was approved for a {$10000.00} loan and was required to pay {$500.00} of my own money directly to XXXX XXXX XXXX. I was slated to begin the course XX/XX/XXXX. Mid XXXX, I received an email from XXXX XXXXXXXX XXXX advising that the start date was pushed back to XX/XX/XXXX. After receiving that email in early XXXX, I reached out to the XXXX of XXXX with XXXX to see if any additional action was needed for me to continue with the XX/XX/XXXX start date. I was advised directly at this time that my XXXX loan was returned to Climb Credit and that I would need to speak with them regarding any further information for my loan. I asked if I would be refunded by XXXX for the {$500.00} deposit and it was returned to me immediately. I then reached out to Climb Credit and told advised that the loan return was initiated by XXXX XXXX on XX/XX/XXXX ( almost 2 months prior to my notification ) but XXXX XXXX failed to actually return the funds. Since XXXX, I have received many different responses from XXXX XXXX XXXX. Initially, I was told that funds were returned. After letting XXXX know that Climb said the funds were never returned, I was told that the funds would be returned immediately and to allow 30 days. Next, I was advised by a new XXXX XXXX XXXX that they were looking into the issue or that they would contact me back. Each time, no one follows up with me or keeps their word. I always have to reach out to them. Now, XXXX XXXX has stopped responding to my inquiries. This has been ongoing since Mid XXXX XXXX XXXX Climb Credit responds but insists that XXXX XXXX XXXX has not returned the funds. To date, I have asked for a statement of my account as well as the wire transfer number for the transfer of funds back to the loan servicer and XXXX XXXX has not provided anything. The loan payments continue to be debited from my account by XXXX XXXX on a monthly cadence and is accruing interest. I have never attended orientation or a class because I was advised that I was unable to do so citing that because the loan was returned, I would need to reapply and secure funds a second time. What are my options? What are my next steps to recovering the funds for this loan? It is impacting my credit and my ability to secure a different loan for a different institution.
Product: Money transfers

Dear XXXX, I found out in XXXX ; through family XXXX in XXXX, XXXX ; that a file was in superior crt files, not XXXX county files ; # XXXX ; a deposit of surplus funds ; this was not a pay off as a mediator & judge XXXX, XXXX stated ; the lawyer was different ; not XXXX on the 2nd mrtg pyoff ; this should have been done via escrow as most are. 
They lied as a bad play ; mediator helped ; I believe based on my XXXX abilities that in fact ; that they wanted me to sue, knowing I may not get a lawyer ; I knew it was for $ XXXX ; and that XXXX XXXX and very possibly an impersonator for me ; signed and stole about $ XXXX ; and the judge retired, & the rest was stolen ; all while I was in jail and was not brought to jail for this court date! 
Fraud! The money was illegally Wire transferred I believe ; and never made it to my books, and or in my name ; nor bank/brokerage account ; it made it into XXXX. jail bank accounts, then was stolen. I made this via family services, I called, license suspension for child spprt, daughter passed in ex spouses custody. 
So I want an investigation ; as I know that some persons were paid off to move this money at that point ; I am owed the full amount ; and the city of XXXX, jail, and bank of America are liable ; $ XXXX, 20 %, compounded daily since XXXX is {$700.00} XXXX dollars. 
the money did arrive, and it was stolen ... 

Please review this and make plans to XXXX my check as soon as possible to my address XXXX XXXX XXXX, XXXX ca XXXX thank you, and XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I contacted the Equifax regarding inaccurate/unverified entries on my credit profile. There are 2 hard inquiries ( XXXX XXXX ) & ( XXXX XXXX ) that were nonpermissible & unauthorized. I was advised to contact the creditors regarding my dispute ; they were of no assistance & had no record/information. Equifax sent me a statement, indicating " inquiries are a factual record of file acces.. '' to contact the creditor. I have done so & the creditor had no record, no information & referred me back to Equifax. This unacceptable. 2 ) My credit profile as indicates a public record which is inaccurate/unverified. I was advised by equifax to contact the lister. I made contact, and provided a court letter therfore, they don't report information as they aren't reg by credit bureaus therefore, the equifax inaccuracies must be removed. Overall, based on my dispute, provided documentation, AFFIDAVIT & court letter. And clearly equifax is stating they verified, but as Equifax verification is obviously inaccurate, assistance is needed. My consumer rights are being violated XXXX & clearly reporting invalid, specious information. Due to equifax 's breach, i have redacted unncessary info and have supplied copy of letter received regarding my dispute.
Product: Money transfer, virtual currency, or money service

Ive always send money through Lucky Money but now they suddenly changed the turn around time for receiving the funds to 5 business days!  Who does that? Never again. They said the policy was changed and I was not aware and was never informed. Every month I always send money through them and now they suddenly changed the policy. Plus their customer service is USELESS! Transaction # XXXX. I have to send an email to their dept. when they already took money from my bank. Now I am screwed with my payment due in the XXXX. Thank you Lucky Money for the inconvenience youve caused me Thank you,
Product: Checking or savings account

I filed a dispute on XX/XX/2021 for atm cash not dispensed at a non-chase atm in the amount XXXX {$3900.00}, I reached out to chase and they stated they would do a investigation and it can take up to XXXX business days for a verdict. On XX/XX/2021 i received a notice in my app that my claim was denied and the reason was they stated " the transaction was processed according to the information you provided or was authorized ". On XX/XX/2021 I reached out to chase for documentation and to understand how they reviewed XXXX transactions in XXXX day and contacted the atm operator on my behalf which i have the right under XXXX XXXX and them being fdic insured, the first representative stated she did not understand why and forwarded to her supervisor by the name of XXXX, Speaking with XXXX she placed me on hold to review my account and she came back on the line and stated the backend claim team denied it because we cant prove you did not get the money, I asked for supporting documents thinking they reached out to the atm on my behalf but they never provided any supporting documents from the atm and made me conclude that they did not do an investigation and simply denied me because they did not want to do an investigation and to save them time and money which is unfair to me. I asked XXXX to review the charges again and to do a thorough investigation she refused and was not helpful or concerning when a customer is out of {$3900.00} and there was never even a investigation or reconciliation of the non chase atm. I do not get how you deny a claim on a atm that is not yours and you never reach out to the atm on my behalf or have any supporting documents, they basically said your lying and we do not care about you but never had any substantial evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX we received a statement showing a payoff amount and due date of XX/XX/18. XXXX XXXX   proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XX/XX/XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts.

This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
XXXX
Product: Debt collection

As of XX/XX/2018 I Notice a collection item on my credit report with company XXXX XXXX XXXX , XXXX  As I did a research on the internet I came up with address XXXX XXXX XXXX XXXX XXXX, MN XXXX. Of an item with XXXX XXXX, In the amount of {$2600.00} I disputed the item with all 3 Credit Report Bureau XXXX, XXXX, XXXX  in XX/XX/2018 and came back as verified and certified with XXXX XXXX XXXX. Please be advise that this item doesn't belong to me.
Product: Student loan

Back in XX/XX/2018, I spoke with a nelnet rep. They gave me a new repayment plan which was to begin on XX/XX/2018. They also told me I would get a Admin. Forbearance which meant that my account would be come current and up to date and allow time for my monthly billing statement to be sent to be before my first payment of my new repayment plan is due. Then I check my credit report in XX/XX/2018 and see that I have XXXX, XXXX, XXXX, & XXXX late fees on my report. I emailed them, faxed them and they refused to remove my remarks. They told me I was out of forbearances. So why didnt they tell me that back in XXXX. Anyways, again I checked my nelnet account online yesterday and I see they have updated my account with a new repayment plan of XX/XX/2018, which is fine, but they also gave me a Admin Forbearance, which is what I thought I was getting back in XXXX. I feel they are trying to make up for what they didnt do in XXXX. I am thankful they did this for me, but its a little to late for my credit report. I am gladly accepting this new repayment plan, but why was this not put into place back in XXXX. I feel that they made this mistake and not changed my information back in XXXX which lead to late payments on my report. If I was out of forbearances back in XXXX then why did they give me on in XXXX? Do you see what Im getting at? I think they just never changed anything to my account in XXXX and thats how the late fees came about. All Im asking is for these to be removed and make my account up to date and current. Because it was not my fault. I am keeping my payment arrangement the way it is now, but want those XXXX XXXX XXXX and XXXX updated. I also got an email from them : To dispute this further, you must file a credit dispute directly with the XXXX XXXX Agencies. Nelnet and the XXXX XXXX Agencies will then work together to investigate your dispute. Below is the contact information for each of the XXXX XXXX Agencies : then gave me the credit reporting information. 

If I file with the reporting agencies, I dont think anything will happen because they will still refuse to change this, even though its not my fault. So this seem like a waste of time. 
I have tried doing this but nelnet just keeps saying its accurate. Its only accurate because they never updated the admin forbearance on my account in XXXX.
Product: Debt collection

Received debt collection letter from Southwest Credit. Letter claims the creditor, " XXXX '' is owed {$250.00}. I called XXXX regarding the account referenced in the letter. The account was activated in XXXX, and I live in XXXX. The account is not mine. XXXX has asked me to submit a fraudulent account form as well as contact the FTC and credit bureau 's . I am submitting the fraud investigation packet to XXXX as well as submitting this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower  [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  discharged  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
Product: Debt collection

This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX credit scores and information reported is inaccurate. 
Equifax and XXXX do not match information reported by XXXX. 
XXXX is accurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, violates the Consumer Financial Protection Act ( CFPA ). CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute process was deceptive and unfair as they did not comply with error resolution requirements under the Electronic Fund Tranfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

Midland Funding delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 Midland Funding called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told Midland Funding to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.