23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I filed a complaint with the Massachusetts Attorney General 's Office and they referred me to you. 

I received 4 gift cards for {$25.00} each for Kiva - XXXX : XXXX They did not work when codes are entered on their website. When I notified Kiva, they keep telling me to do the same thing I have been doing, but they still don't work. After a while, they just stop responding to my emails. I've tried them several times but they just ignore emails. 

They refuse to honor the cards or replace them.
Product: Mortgage

I previously filed this complaint under XXXX. The company responded to the complaint saying they've helped me, but that was a lie. CFPB then closed the complaint and told me to open a new one. 

I contacted this company in XXXX to remove my XXXXXXXX XXXX XXXXXXXX, and they have been ignoring me ever since. They have been collecting XXXX XXXXXXXX for the XXXX  since XX/XX/2022. 

After I filed the first complaint, the company finally emailed me, telling me to send them an additional {$570.00} to waive the XXXX charge, which I paid. I am still waiting for them to respond. 

This company 's XXXX office does not have a phone number, and they only send letters via XXXX. The letters arrive XXXX weeks late, and they say I have XXXX days from the date of the letter to remedy. This is an impossible process and designed to continue taking money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions I've not been able to access my XXXX ( XXXX ) account and on both occasions I have had negative reports plave on my Credit report becuase i am unable to process an payment due to no access to the account. It is nearly impossible to get a timely response from anyone via email and this is XXXX only form of communication. And by the time some repsonse to you the damage is already done and theres a XXXX day lare report on your Credit profile. Right now there are late payments being reported on my account and month after month I'm told by an customer service agent at XXXX that these late payment will be removed from my account. Yet Month after Month I am giving an apology and told it will be taking care of the following month. I would like and demand that these late payments be removed from my Credit Report immediately, for it is damaging my life tremendously and reframing me to move forward and make Financial Increases for me and my family.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made a wire transfer from my XXXX XXXX account to my personal checking account in TD Bank for {$82000.00}. I then made serveral transfers ( {$9000.00}, {$5000.00}, {$3000.00}, {$6000.00}, {$3100.00}, {$32000.00}, {$2500.00}, {$17000.00} and {$3000.00} ) equaling to the {$82000.00} from my checking to my savings account. A couple of days later, I tried accessing my account online and I was unable to. So, I went to my local branch ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) and was informed that my account was under investigation. I have gone to the bank weekly since then and called their customer service line some many times I have lost count. I have tried talking to the manager of the branch and escalate the complaints they filed every time I go but nothing has happened and no one is able to provide any kind of information or assistance. It has been over three month and I have not receive any response. I have asked if they could release at least some of the funds but I have not receive any help or assistance. I routinely used to transfer my earnings from my XXXX XXXX account to my checking and savings account, so this is not the first time I receive funds from them. In the past, TD Bank froze my account in a similar situation ( but with a lower amount ) and the funds were released within a month. I dont understand why they are taking so long and Im not allowed to have access of at least a portion of those funds. Honestly, besides freezing my accounts, it is unconceivable the lack of customer service and assistance clerks at the bank can provide. I am in desperate need of those funds and would like to know if you can assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This month in XXXX i sent a complaint about equifax reportung incorrect info and here it is it ... this the 3rd time they have removed and the. Readded these 2 accounts that i have pictures of that should not be on my report at all! XXXX XXXX and XXXX XXXX ... these were suppose to be deleted because they part of bankruptcys that were deleted and should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 CAROLINA FINANCE , LLC ran my credit. That inquiry has caused my XXXX XXXX to decrease and I fear that my identity has been stolen.
Product: Credit reporting or other personal consumer reports

I was not aware of the existence of this account until XX/XX/XXXX while apartment hunting, and I checked my credit report 6 weeks prior and it was not there. I was shocked because I have never used this company. I am working to investigate this account on my end. 
I have reached out to this company several times to request a thorough investigation and it has been incredibly difficult to talk to someone who can handle this situation. They have not made any true effort to investigate, they have not provided any writing ( and I see that this loan was from XXXX ), and they will not responded to any correspondence I send. 

In addition to previous information I have given, I am adding that I also never received any form of a 1099 regarding this account or received any form of communication regarding the status of this account over the course of two years. The first time I have had contact with this company was in XX/XX/XXXX to question them about this account. 

I do not recognize how this account is reporting on my credit report. I do not recognize the account number, status, balance, nor the payment history reported. It does not meet the FCRA
Product: Credit card or prepaid card

2 unrequested Bank of America credit cards ( for husband and wife ), sent in 1st class envelope, ( see attached photo ) were received on XXXX XXXXXXXX XXXX  These cards do not require activation. Sticker label : " These cards are ready to use ''. ( see attached photo. ) These activated, unrequested cards can be used by phone, chip or stripe reader. We do not use XXXX or equivalent ( inexpensive XXXXXXXX XXXX  phones ). We use card chip readers. Any felonious US mail handler or delivery person who owns a BOA card account and receives one of these cards can then recognize the BAO envelope and steal and apparently use ( by chip or stripe ) any number of contained cards without the knowledge of the legitimate account/card owner. We are also XXXX years old. SECURIY RISK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been given the proper documentation to stop reporting and delete the negative information on my credit reporting. All three credit bureaus failed to provide the proper investigation in regards to this matter. Experian at one point had disabled my ability to submit a dispute complaint online against XXXX XXXX XXXX. Experian have no control over whats being reported and that I would have to reach out to the companies that is doing the reporting. I have reached out to both XXXX XXXX XXXX as well as XXXX XXXX. Both companies assured me that they were not reporting anything to the credit bureau. XXXX representative said they XXXX XXXX XXXX was telling a bold faced lie, and that they were reporting negative results on the back end. If the credit bureaus know the Information is falsely being reported, and I have provided them with the proper documentation why continue to report the information thats be requested to be deleted. They never reached out to XXXX XXXX to confirm any of my information. The only information that the credit bureaus are accepting verbally over the phone is what XXXX XXXX XXXX is telling them. XXXX XXXX XXXX sold my account with all my personal information to another third party company without my permission. XXXX XXXX XXXX doesnt want to provide me with any form of documentation to release me from their system. They flat out told me no. Thats not right. I have been denied housing and the ability to purchase a house. XXXX XXXX XXXX has been reporting erroneous information purposely since XXXX. The car was in a car crash and was considered a total lost. XXXX XXXX XXXX XXXX XXXX XXXX from an insurance claim XX/XX/XXXX. After receiving the payment from XXXX XXXX XXXX XXXX XXXX continues to report wrong and false information to the credit bureaus. If looked back over the years you can see all the errors that have been reported to all three credit bureaus has been wrong and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX XXXX {$450.00} This account does NOT belong to me
Product: Vehicle loan or lease

Customer Service : I am writing this letter to request help with obtaining an overpayment from Acura Financial Services. I recently was blessed with a financial gift to pay-off my car. The financial gift was more than the final pay-off ( See enclosures ) ; it was an additional {$2000.00}. I contacted Acura Financial Services before sending the pay-off and was told, it would take a week and a half before I would receive my overpayment. After that time passed, I contacted customer service. I was told that the check would be held to make sure everything was  Okay and the overpayment would be sent out on XX/XX/XXXX. I told the lady it was a cashiers check, which is cash, so why would it need to be held. She indicated she would send it over to another department for review. I asked for a supervisor and was told it would take 24 to 48 hours before I could speak to a supervisor. I called back after 48 hours  and spoke with XXXX and she pretty much gave me the same run-around, but she did say that the check had been mailed from Texas. I asked her if I would still receive a call from a supervisor and she said the supervisor would tell me the same thing. 
Shortly thereafter, I received a phone call from XXXX ( Supervisor ) and he told me the check was mail on XXXX the XXXX and it was coming from California, but he could not determine the mail time frame. Now understand, I received my title a week and a half after the car was fully paid off on XX/XX/2020. The title came around XX/XX/XXXX. 
I am now requesting help to obtain my overpayment of {$2000.00}. I feel as though Acura Financial Services hold individuals overpayments for their purpose ; to increase their profits. 
This should be investigated for all consumers if this is an ongoing practice. A cashiers check is guaranteed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again

st Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card

I got a Wellsfargo credit card which I have not used since XXXX because credit card offered by some other banks are more competitive. Credit limit is {$3000.00}. I have been keeping this card and thought the credit would help with my credit report. This card has been turned off for years to prevent unauthorized usage or identity theft. 

On XX/XX/XXXX, I received an automated email that says my card has been turned on, as requested by me via phone on XX/XX/XXXX ( It was not done by me ). As soon as I saw the email I logged on to my account, turned it back off. In turn, I checked my transaction history, and I found a unauthorized charge, the amount is {$330.00}. 

I contacted Wellsfargo to report the unauthorized charge. We thought my account XXXX have been compromised. Wellsfargo suggested to issue me a new card and closing my account. And they will take care of the unauthorized charge. 

When I logged back in to my account to check whether the unauthorized charge has been removed, I noticed that there is a adjustment that credited back the {$330.00} on XX/XX/XXXX, but again {$330.00} unauthorized charge is put back to my account, all XXXX transactions happened on the same day XX/XX/XXXX and charge of {$330.00} becomes permanent on my account. Also I noticed there is a in-context messaging on my account portal that says I can still use my old card until my new card is activated. I was very confused about that because I thought my account has been compromised and the old card number should be closed right away. 

About 2-3 weeks later I received a letter from Wellsfargo that says they need additional information and have me to call them. I called them and they asked a few question such as whether anyone else is authorized to use my card, I responded no. 

And few business days later, I received a letter that says my claim has been denied and i am liable for the charge. I called Wellsfargo again, they had me to submit police reports and other supporting documents. I provided them the information. I also went to the merchant who appears as the {$330.00} on my credit card statement ( XXXX # XXXX XXXX XXXX XXXX CA XXXX, provided the transaction date, amount, and credit card number, but they couldn't find any transaction associated to the information I provided. 

I waited for another week or so, they sent me another letter that says my claim is again denied. 

I contacted Wellsfargo executive office, they requested the fraud claim department to reopen the case. They told me it could take u to 15-20 business days to finalize the case. I asked if they can expedite the process since my credit card due date is approaching but they can't. Eventually I had to paid {$330.00} out of pocket ( The auto payment kicked in ). The case is still pending as of now. It has been almost 2 months now and there is no resolution. I have spent hours on phone with them, spent hours on assisting them with the case. It has been a very frustrating experience. 

There are many online resources and posts about how Wellsfargo handle credit card fraud case. This is one of them : XXXX XXXX XXXX
Product: Debt collection

I have tried to resolve a charged off account with belk, every time i call they wont give me my account number and tell me that that they arent removing anything, and that i need to wait 7years..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in all the proper documents to have this item remove from my credit. I was told by Experian that if i sent in the ftc and other supporting docs that they will remove the account
Product: Checking or savings account

This happened between XXXX XXXX XXXX. I was wrongly charged overdraft fees when my account reflected I have sufficient funds.
Product: Debt collection

Hello, I had to go to the emergency room for my XXXX  XXXX very suddenly. I felt that something was wrong, and when I got to the emergency room they ran some tests and sent them to my doctor. They also gave me an XXXX. 

My husband was in the XXXX at the time, and we had XXXX. I gave the hospital all the information they needed for our insurance. XXXX covers two visits to the emergency room if they are out of the network, which that was our first time. 

We thought everything was covered, until we got a call from the debt collector. almost 6 months later. We said XXXX paid it. They said no. We called XXXX. They said they did cover it. I can not afford to pay XXXX dollars to get this off my credit report, and I need to very badly because it is effecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charged my card with a fraud that had already been deputy on XX/XX/XXXX, credited it to my credit card. Then they decided to take my credit and they charged my card. It is totally unfair this action they took without consulting me and it hurts my credit points. 

In the statement you can clearly see the adjustment that made {$400.00} dollars in the XXXX and then put it on XX/XX/2019 XXXX
Product: Credit card

I returned an item to XXXX, but they did not credit my account. I sent documentation and letters to Capital One indicating proof of lack of indebtedness but they claim I have not. I received a small claims judgement against XXXX, but Capital One refused to credit my account.
Product: Vehicle loan or lease

Car was purchased in XX/XX/ from from Toyota of XXXX purchased gap insurance as recommended from dealer protective asset protection is the company that sold me gap insurance loan through Toyota motor credit my car was involved in total loss XXXX XXXX paid XXXX loan balance is XXXX after I requested Toyota refund me on my Toyota care warranty that I never used i.filed claim with protective asset protection on XXXX they denied my claim they said I had XXXX extension on my loan so they can't help me she explained I reach out too Toyota XXXX ca they said same thing then spoke with Toyota they said nothing they can do this is theft and fraud committed by these three companies please pay off balance of loan or refund me for gap and Toyota care warranty.
Product: Credit reporting or other personal consumer reports

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquires and incorrect accounts reporting on my credit report