23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used my M & T Bank XXXXDebt card to purchase several baby shower gifts from XXXX. One of the gifts was a " gift card ''. When I gave the gifts, I discovered that the " gift card '' had no value ; the amount I stored on the card had been fraudulently used. I reported the issue to XXXX, their customer service informed me the way to handle it was to report the issue to my Bank. I sent M & T Bank the incident report and reply from XXXX requesting that they charge the transaction back to XXXX and return the funds to my checking account. XXXX XXXX XXXX first refused.. then required I send more documentation.. then applied a temporary credit.. then removed the temporary credit. And informed me they would not return my credit. ( this reversal also allowed M & T bank to create a overdrawn condition on my account and charge me a fee for the negative balance..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' ACIMA CREDIT XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
Product: Credit card

On XX/XX/XXXX Cash app closed the card and will not allow the use of it. After contacting Cash App on XX/XX/XXXX Cash App stated in writing that : " I don't have specific reasons why .... '' Therefore, Cash app admits to not having any reason for denying the use of the card. Cash app must remember that courts have already stated that : " ... ..public business could not arbitrarily discriminate among those whom it serves. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The point is, because Cash app can not identify any rule or policy that was violated, they must reopen my cash app account ( s ) immediately in accordance with the law so that they are not found guilty of arbitrarily closing accounts without any articulable reason.
Product: Checking or savings account

The transactions are not in order and some are not processed immediately unlike others and it seems weird.
Product: Checking or savings account

My name is XXXX XXXX and my XXXX XXXX is XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Texas XXXX Wells fargo closed my account for no reason at all.i see this as XXXX profiling.banks can not continue to close people 's account and keep saying they have no reason for the closure. This doesn't make any sense to me.even if you have the right to not do business with me anymore for transparency sake I've been doing business with you for long.i deserve to know why you are changing your mind all of a sudden.shouldnt the bank inform people of reasons their accounts are being closed to be able to know how to either remedy the situation for future purpose or tender an explanantion. Wells Fargo put my entire business on hold for no explainable reason and closed my account. For how long are consumers going to keep up with banks in this order. Why is it that consumer protection bureau is not doing anything about this indiscriminate close of account? 
Does this mean that consumers have no option when their accounts are closed.someone will need to look into this and do something about it. 
Wells fargo will need to tell me why they closed my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX contacted me regarding concerns of a credit card application that I was not aware of. They did not issue the card. Credit check was done. 

XXXX Bank of America did a a credit check and issued a credit card that I did not apply for. Bk of America have now closed the account. 

My credit score is being affected by these inquiries and card issuance.
Product: Credit reporting or other personal consumer reports

I received a collection originating from XXXX XXXX by way of Aldous & Associates for {$100.00}. I travelled to XXXX  to visit family and requested a 1 month membership which somehow became a rolling membership. When I left XXXX  after 2 weeks I received no correspondence alerting me that the membership was still running. Before leaving, I went to the gym ( in XXXX XXXX  that I was actually an employee at when the gym first opened years ago ) and requested to cancel my membership. To which I was told it would be processed by management the following day. Even knowing that I attempted to cancel my membership, I still paid the collection in hopes that I would have the blemish removed from my credit. As of today, it has been over one month since I paid the balance in full, but I still have this collection on my report that was caused by miscommunication. The blemish is to remain for 7 years & I even attempted to contact XXXX XXXX  directly so I could avoid this, but to this day, I have not yet found a number. At this point, Im requesting that XXXX reach out to their collection agency ( Aldous & Associates ) and terminate the debt or whatever needs to be said for them to remove it. XXXX  memberships should not be set up to mess peoples lives up financially for years and as a former employee, it feels downright predatory. This is my final ask for some sort of assistance from XXXX to remove this collection which has brought my credit down over XXXX points and caused cancellation of my credit cards due to a subprime score. At the very least, the gym should work with collection agencies that terminate the debt and delete following payment. My score has not recovered even after paying because the negative remark is still there. There is a law forcing reports to be accurate if reported but there is no law stating that they must report.
Product: Vehicle loan or lease

We received notice of a return of lease charge of {$420.00} in late XXXX after returning our XXXX XXXX. We held the lease from XX/XX/XXXX for 24 months and never missed a payment. The first bill was received sometime in late XXXX and I contacted GM Financial to inquire about why there was tax on the return charge, as the dealership we leased from, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, claimed there should not have been tax. I contacted them 3 times, by phone and over online message, over the following months to find out about the tax with no call back or explanation from GM Financial, and my most recent call on XX/XX/XXXX, a rep stated in their account that there was a discussion and the system shows no follow up was given to us regarding the question. On XX/XX/XXXX, wife Wife, a cosigner, received a derogatory mark notice on my XXXX which stated there was a charge off for the balance of {$420.00}. Our only record of notice was that first letter received in late XXXX, and no further contact from GM financial regarding the question on the {$30.00} tax added to the fee. I reached out on XX/XX/XXXX to GM financial and requested information on why there was a derogatory mark and why no one had contacted me prior. The first representative claimed she did not see any information on my account. I was then transferred to an " escalations '' team member, who claimed they did see a balance due and a previous request, but no follow up from their department. I was then transferred to a supervisor who informed that they did not see a derogatory mark, and believed we should have been contacted regarding the issue. When asked for records of my contact with them and any contact they have made with me, I was told I was require an attorney to subpoena to obtain that info. My intent was always to pay the fee, but to receive an answer on why there was sales tax on this fee. No one called back, no further communication was sent, and no additional letters demanding payment were sent.
Product: Credit card or prepaid card

I had a secure credit card with 5/3 bank. I closed it because they wouldn't raise the amount after using it without any problem with card. I call my personal bank in XXXXXXXX XXXX told him i want to close it and why. He closes the account but didn't leave any money on the secure card. A charge came in after for approx. {$50.00}, there was money in my checking, instead they start running up overdraft fee. I final saw a note on online banking about this. XXXX talk to branch MGR and district MGR about waving fees that they cause, They remove about {$200.00} but not all of them. Even though they admit to mistake. 
Its still on my credit report to.I have several call into District Mgr XXXX XXXX. 
he said he would check into it, but has not because I ask XXXX again. 
They are at fault, with this situation. 
They need to remove this from my Credit report and wave all fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, IN XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX are both Subsidiaries of XXXX. I had a loan with XXXX XXXX opened in XX/XX/XXXX that is now charged off. The problem is that this one loan is being reported to all 3 credit bureaus : XXXX, XXXX, and Experian twice.Once by XXXX and once by XXXX XXXX. I have disputed this error many times and just recent as today XX/XX/XXXX I received the results of my dispute and this is still not corrected. I called Experian today and they called XXXX while I was on the phone waiting and was told that since XXXX XXXX  sold the loan to XXXX  and they are two seperate entities that both charge offs will have to stay on my credit report. I had one loan with XXXX XXXX and if they sold the loan to XXXX then one of these two entities will have to stop reporting. Both entities are reporting the same loan and appears to be two seperate charge offs on my credit report for one loan and this has caused me to have lower score than I should. This is a violation of the The Fair Credit Reporting Act, 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reported an inquire that i do not recognize! Need it to be removed.
Product: Debt collection

XXXX, XXXX is attempting to collect a debt from me being a cosigner on a apartment that I have no knowledge of the lease started XX/XX/2022 and ended XX/XX/2022 i know this is not possible because I was in the state of Texas since XX/XX/2022 XXXX
Product: Credit card or prepaid card

On XXXX my husband and I had lunch at the XXXX XXXX in XXXX and the next 2 hours my card had a charge of {$280.00} in Utah, I called the bank and said it wasn't my charge, but they said it was a chip consumption, so it must be my own consumption, but after lunch my husband and I went back to work, we didn't even have a vacation, we didn't even know where Utah was. It's impossible to drive from XXXX to XXXX XXXX to fly to Utah in two hours.
Product: Credit card or prepaid card

This is a complaint against PAYPAL for cashing a check issued by my bank XXXX XXXX XXXX XXXXXXXX XXXX for {$1800.00}  as a balance transfer, amount which was never credited to my Paypal account balance. I hereby request PAYPAL ( XXXX XXXX XXXX, XXXX, XXXX XXXX ( Phone ) XXXX ) a refund of {$1800.00} plus interest accrued from the time the check was cashed plus financial damages. Details are set out below : For several year, I have had a credit card issued by XXXX XXXX XXXX XXXX XXXXXXXX ). In XX/XX/XXXX, XXXX offered me a 0 % interest for higher interest balance transfers. At the time, I had a PayPal account balance and I decided to use XXXX offer to pay off some of the PayPal outstanding balance. I provided XXXX with all the PayPal account details and XXXX wrote a check ( No. XXXX ) dated XX/XX/XXXX for {$1800.00} and sent it to PayPal. 
After a reasonable amount of time, I checked my PayPal balance and noticed that {$1800.00} had not been credited. I called PayPal Customer Service, after many questions, the representative indicated that the above mentioned check had not been received. 
Next, I called XXXX and they confirmed that PayPal had in fact received and cashed the check on XX/XX/XXXX and a photocopy of the check was provided. 
Throughout the years XXXX and XXXX, I made many calls to both entities and the answer was always the same. I managed to get an appointment for XX/XX/XXXX with a XXXX representative, XXXX XXXX XXXX at the Branch in XXXX, XXXX VA. The meeting lasted for about two hours during which the representative made several phone calls and finally said that there was nothing XXXX could do because they had proof that the check was received and cashed by PayPal and that, for them, the case was closed. 
I waited for months to be contacted by either party, hoping that any of them will finally locate the funds. No one contacted as of today. 
To avoid any damage and to maintain my excellent credit, I returned the {$1800.00} to XXXX, money that Palpal XXXX XXXX XXXX XXXX never credited to my account balance. This event has caused me a great stress and tremendous financial loss. 
I wrote to the Office of the Attorney General of Virginia requesting to evaluate and investigate this consumer complaint. The Attorney Generals office replied indicating that, based on the information provided to them, the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction over my complaint. 
I did submit a complaint through CFPB first against Paypal Credit represented by XXXXXXXX XXXX. The result was that XXXX XXXX, on behalf of PayPal, indicated that this payment has not been received or cashed by them and recommended that I contact the bank that issued the check. XXXX XXXX XXXXXXXX response was that after a review, XXXX determined that the check for {$1800.00} was indeed cashed by Paypal and that the claim should be filed with Paypal to locate where the funds were applied. 
This is the THIRD complaint I file for the same purpose, this time against PAYPAL ( not XXXXXXXX XXXX ) requesting a refund of {$1800.00} plus interest accrued from the time the check was cashed plus financial damages.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX twice on the XX/XX/XXXX as well as XX/XX/XXXX under the account number XXXX and XXXX, and a auto loan account opened at Carmax Auto Finance on XX/XX/XXXX. These accounts have have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize he aforementioned accounts, collections as reported. The aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by, me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Idenity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX XXXX, XXXX i set up my new debit card as far as activating and setting the pin. I set up and activated card successfully. Went to make purchase using credit it declined, used it through debit it declined. I called to set up a new pin hoping that would help, it did not. I called to speak with customer service numerous of times regarding card use and the issues regarding a pin purchase and credit purchase. They offered to reset my pin and sent me through an automated system to reset pin since they could not do it. Once transferred to automated system it was not responding to touch tones prompted. Spoke with several reps and a supervisor and they were no assistance just followed same steps as far rep but stating that the pin reset could only be done once every 24 hours. SO here I am stranded with a card with money but no use until tomorrow XXXX XXXX, XXXX after XXXX central time.
Product: Credit reporting or other personal consumer reports

Company : Balance Credit Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against Balance Credit for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, Balance Credit has failed to provide adequate evidence to support the debt. 

Balance Credit 's response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by Balance Credit to the credit bureaus, as I do not owe this debt. Balance Credit has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate Balance Credit 's credit reporting and debt collection practices- Require Balance Credit to correct the inaccurate information reported to the credit bureaus - Hold Balance Credit accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX  Thank you for your attention to this matter. 

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

I am writing to dispute several unauthorized inquiries that appear on my credit report. These charges are fraudulent and were not made by me. 

The specific details of the disputed charges are as follows : 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 

I have not authorized these charges, nor have I received any goods or services related to them. These entries are impacting my credit score and were likely caused by identity theft or error. 

Attached, you will find copies of my FTC report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of 2022, I received notification via mail that Ability Recovery Services acting on behalf on XXXX was attempting to reinstate an old debt back onto my credit report. 
It has been several years since the XXXX and all debt collectors have reached out regarding this debt being removed from my profile. The notification from Ability Recovery Services laid out a few options that I had before the debt was replaced back on my profile. One which included Verification of Debt. The notification provided a date in which the dispute or request for additional documents were to be submitted. Two days after receiving the notification via mail, a debt validation letter was sent to Ability Recovery Services to request hard copies to prove that the debt belonged to me. I have received no additional follow-ups from the debt collection company and the debt was placed on my profile regardless. 

I have noted that this company apparently has been notorious for this happening in the past with other clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Today I spoke with XXXX XXXX XXXX XXXX  with XXXX ID # XXXX I explained to him that my account shows Status Charge off in XX/XX/year> in XXXX and Account Status Closed in XXXX XXXX in Equifax I explained to him that Credit Cards closed accounts happen according to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ) credit card charge off must be reported XXXX  days from the date of the first delinquency in this case XXXX. I requested the delete of this account and other XXXX of XXXX XXXX XXXX XXXX of XXXX/XXXX  and another ones because are too old...... The credit Agencies XXXX and Equifax told me to call the banks in order to my credit report be accurate ... ... several lenders reported in the same way ... .Please that accounts now are more than XXXX years old I requested your help to delete those accounts Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX OBTAINED MY A COPY OF MY XXXX CREDIT REPORT WITHOUT MY WRITTEN OR VERBAL AUTHORIZATION. I WOULD LIKE TO HAVE THE INQUIRY LISTED BELOW DELETED : AMEX - INQUIRY DATE : XX/XX/2023 2023
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 XXXXXXXX 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. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting a false mariner finance account on my credit report. XXXX is showing something totally different. on equifax and XXXX, this is reporting : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 But on XXXX, the account is reporting as 30 days past due with a totally different balance, on the same exact account. I have submitted ftc id theft reports to equifax and XXXX in the past to have this account removed from my credit report and they still leave the account on there. i have reported XXXX and equifax to the north carolina department of justice as well because of this and now i am prepared to sue them both in court if this is not fixed