23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a credit card from XXXX XXXX on the CreditKarmaXXXX website. I have an extremely high credit rating and they suggested that I apply for the credit card with excellent probability of getting accepted. They also advertise on TV and on their website that they guarantee {$50.00} if you get rejected. There are no particular conditions on why you get rejected. The application was one that was designated on the creditkarma website as guaranteed. It was very difficult to contact them but I did get a response and they told me that there was a specific process and I must follow each step closely or I would not get the money. They told me to wait for an email. I did not get an email and more than a month has passed. I now created a second ticket on their website. They responded immediately saying that it normally takes 10 days, but it has been 40 days! I am feeling that they are doing their best not to honor this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX XXXX # 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 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a, 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

DATE XXXX XXXX XXXX AMOUNT {$500.00}
Product: Debt collection

Southwest Credit has been reporting a debt originally owed to XXXX that I do n't owe. I have tried disputing this several times directly with them, and the credit bureaus aswell. my last attempt was on XXXX XXXX, 2015. I honestly do n't think they are even reading the supporting documents or my letter. I received a response from them on XXXX XXXX, 2015 that '' once again they have updated my account accordingly '' Southwest Credit or comcast have yet to prove that this debt is owed to XXXX. I have clearly outlined in my supporting documents that I do n't owe this debt! Ive requested supporting documents from both XXXX and southwest validating what they claim I owe, and they have yet been able to do so. I 'm hoping you can help me put this debt to rest. Thanks in Advance for your help!
Product: Credit card or prepaid card

Credit card company will not distinguish between promotional and purchase balance when assessing interest charges. The are applying my entire payment, some of which is over the minimum payment, to the promotional balance while continuing to increase my high-interest purchase balance. 

Promotional balance began in XX/XX/XXXX - {$1300.00} Purchase made XX/XX/XXXX - {$280.00} Total payments thru statement closing date of XX/XX/XXXX - {$410.00} Interest charged XX/XX/XXXX - XXXX Minimum payment due - {$19.00} Balance subject to interest - {$260.00} promotional balance {$1100.00} Payment through statement closing XX/XX/XXXX - {$100.00} Interest charged XX/XX/XXXX - {$6.00} Minimum payment due - {$18.00} Balance subj to interest - {$270.00} Promotional balance {$990.00}
Product: Student loan

On XX/XX/XXXX, XXXX a MOHELA representative refused to acknowledge XXXX as a past federal loan servicer. MOHELA refused to acknowledge payment plans and certifications regarding loan forgiveness prior to 2019. These documents should have been transferred by XXXX to XXXX XXXX however- it seems that documents were purged and not transferred.
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. 

Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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 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 Has violated my rights. 

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 accurate.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an 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 7 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

Hello! 

I have sent documentation of my credit report to XXXX and Equifax to resolve incorrect information that has been reporting on my credit report. I will attach documents of everything that is incorrect and it is listed across all 3 reporting agencies. The amounts shows different balances, opening, and closing dates.
Product: Checking or savings account

My son got a hold of my debit card and spent money in game that was not authorized. This was a total of six transactions that total about {$120.00}. This was made on a Saturday evening and I contacted by Bank ( USAA ) on Monday to dispute these transactions. My son is autistic and has control issues. 

One transaction was {$32.00}. The rest of the transactions were under {$30.00}. All transactions below {$30.00} were forgiven and returned. A Dispute investigation was started concerning the {$32.00}. I was sent a request from the dispute department asking what product I wanted from this merchant. I reached out to the bank and spoke with Level 2 employees. I was assured that the dispute would be found in my favor and the dispute department should reach out to these level 2 employees prior to making a finding. I asked to speak to someone in dispute or a director, but was told that they do not speak to people. 

XX/XX/XXXX the transaction was revered and the money was taken from my account. I contacted the office of the CEO ( USAA XXXX ID XXXX ) and spoke two different employees due to first contact person going on medical leave. XXXX ( EXT 540XXXX ) was the second employee assigned. He went through the calls and figured out not one employee had added that this was a game transaction. He said he would start the dispute process again and we should wait it out. 

I have tried to call XXXX back several times and promised call backs from disputes and others. 

The points to several issues that should be investigated by regulators such as internal controls.
Product: Bank account or service

Hello I called earlier because my account was closed from USA bank and now I 'm not allow to open another account in any other kind of bank. I 'm in the need of my debit card. I talked to the polices department and let them know everything that USA bank has done to my account. And have n't gave me any time of information.
Product: Checking or savings account

XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX it been years I tried but never get response back someone hacked my account then the bank took money over XXXX dollar then closed with both accounts I was subject to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX  credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX XXXXXXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XX/XX/2018.
Product: Credit reporting or other personal consumer reports

my consumer report on Equifax on XX/XX/XXXX I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XXXX XXXX XXXX XXXX I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late.
Product: Debt collection

I have continued to receive daily and harassing phone calls from a debt collector Sunrise debt collection agency in XXXX Ca. I have not received a voicemail message from them regarding my alleged debt or any information from the debt collector. I just get harassing phone calls then get hung up on. I have blocked one of the main numbers and have started to receive more calls from a new number. I have tried calling back and was hung up on. This is harassment especially since this company has not formally identified why they are calling me.
Product: Checking or savings account

XX/XX/XXXX I started investing in a company abroad in the binary market. I first did my research before investing and there no negative remarks about the company. My initial investment was {$500.00} which I used from my checking account with The Huntington National Bank. The money went to XXXX XXXX XXXX which is the payment processing for XXXX XXXX. There was growth in the investment so in XX/XX/XXXX I invested another {$5000.00}. I was then charged a fee for sending the money over seas. I was unaware of this fee, but the bank informed me that it was in my contract when I opened the account a number of years prior to this transaction. I had to call the bank to approve the transaction and was not made aware of any such fee. The account continued to grow and everything still seemed legitimate so I invested another {$3500.00} in XX/XX/XXXX. I was charged the fee. Then in XX/XX/XXXX I authorized a transaction of {$5000.00}, but the bank let the company ( XXXX XXXX ) withdraw {$10000.00}. The company had put the money in trades so it was now tied up for three months. When the trades had expired XX/XX/XXXX I went to put in a request for with draw because the account had grown to {$120000.00} and I wanted my full investment back and let the rest go. I then found that I was locked out of my account and the website did n't recognize me. I called and emailed numerous times with no response from XXXX XXXX. I then contacted The Huntington and let them know the situation that I was scammed and I was told that they could not do anything for me. I had informed them that my credit card company ( XXXX XXXX ) had returned the money with the dispute and they have the same protocol for disputes. I just feel that they did n't want to help me. I have been a good customer for about ten years.
Product: Debt collection

I got a call on   XXXX   from a representative of  XXXX   XXXX ,  XXXX  saying that I was being taken to court and that they are sending court documents to the  XXXX   XXXX   XXXX  House to prepare to be sued. I do know that I did get a payday loan back in  XXXX  but had forgot about due to me losing my job and apartment. There was a mention of having copies of my  XXXX  's. I did not give any permission to that business for my financial records considering that I am a  XXXX  of United States military.The phone call came from  XXXX . I recorded the entire conversation and the mention of obtaining my  XXXX  's is in the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Dear : Navy Federal Credit Union XXXX : Correction or Deletion Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX  XXXX XXXX, XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 
Please also enclose a printed copy of my payment history or you may also email it to me at ( XXXX ) please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 
If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5-10 business days of the written confirmation. 
Thanks in advance. 

XXXX XXXX XX/XX/year>
Product: Checking or savings account

I have used XXXX for a couple years. XXXX lets you do an instant transfer to your bank by charging a fee, or you can transfer to your bank and wait 1-3 days with no fee. I have used the instant transfer several times over the course of a couple years to transfer funds to my Ally bank account. Recently Ally made an update that they will not make the funds available from the instant transfer until XXXX, or the next day depending on what time the transaction was done. There was zero notification of this change. On XX/XX/XXXX I called because the transaction did not show up instantly as in the past and was told they were doing an update to their debit card system. She implied it was a temporary issue and only happened because it was being updated. So, I did not have access to my funds. That is perfectly understandable, and I am aware banks need to perform updates. On XX/XX/XXXX, I again did an instant transfer, and it did not post immediately. I again called and was told by a rep named XXXX that it was not a temporary issue and they had changed their system. I asked for a supervisor because I was stuck out of town with a health issue and needed the funds to be able to make it home. Even though they could see the funds had been transferred they refused to make them available claiming they would either be available around XXXX or the next day. When I asked since they have known their update caused an issue that had been going on at least 2 weeks why customers had not been notified. The supervisor, XXXX told me I had been sent an email which was a complete and total lie. There were also no notifications. The point of my story is they made changes that affect customers with zero notification and zero concern as to how it affects customers. I am not sure if they are trying to get the " float '' from delaying customer access to their own money or if it truly is just an update and will go back to being instant in the future. No other bank has done this.
Product: Credit card or prepaid card

It was a credit card to help you with your credit. I was to accumulate {$750.00} and then they would give the money back and charge a percentage and give money back and report to credit bureaus to help raise score. I wanted to cancel with having paid about {$450.00}. They took my {$450.00} and reported that I owed {$750.00} to credit bureaus.
Product: Credit card or prepaid card

ECOA, enacted in 1974, prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, source of income or whether a person exercises rights granted under the Consumer Credit Protection Act for any credit transaction and through the life of the loan. Each time I have applied I have been denied and I believe it to be discrimination because of my last name ( a part of my heritage ). I find this game AMEX plays funny and unjust.
Product: Credit card or prepaid card

i opened a dispute of a transaction XXXX - several weeks ago. since then they requested additional info- i have provided the info by faxing and calling information. hsbc hasnt provided temporary credit or contacted the merchant. its been more than a month and hsbc isnt doing anything to resolve the dispute
Product: Debt collection

THIS COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Product: Checking or savings account

Hello, I am contacting because Wells Fargo keeps charging me a monthly fee on my checking account. Normally, before COVID-19, I made 10 debit transactions and avoided that fee. The Wells Fargo website stated that they help during COVID-19 so I called XXXX on XX/XX/2020 at XXXX MST and spoke to XXXX who refused to give any other identifiers ( i.e., ID number etc. ). I explained him that I have a documented XXXX and by CDC guidelines, should avoid public places and as such, I cant use debit card 10 times per month to avoid that fee. I asked him if you could reverse the monthly fee on the account for the period XX/XX/2020 - XX/XX/2020 but not only he refused to do so but he was also rude. 

Overall, during the last several months, I am observing the trend that Wells Fargo customer service is getting rude and unprofessional.
Product: Credit reporting

I requested the report from Transunion last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.
Product: Debt collection

Bank of America has violated me the original creditor, consumer/ natural person rights pursuant title 15 USC 1692 ( a ) of the Fair Debt Collections Practices Act. Bank of America has use deceptive practices to collect on a debt that is not owed by using interstate commerce exhibits attached. On XX/XX/XXXX consumer credit transaction took place. Bank of America has only benefited from the consumer sale transaction and me the consumer/natural person has not benefitted Fromm the consumer credit transaction. Pursuant 15 USC 1602 ( p ) unauthorized use of my credit card I did not benefit from this consumer credit transaction. This consumer credit transaction has financially injured me and XX/XX/XXXX Bank of American close my line of credit without my ( Original Creditor ) permission. I sent an affidavit of truth that must be rebutted or it stands as truth in commerce.
Product: Credit reporting or other personal consumer reports

Experian, I was a victim of identity theft - and as a result have had my credit ruined from fraudulent activity. 

See attached. 

drivers license social security card address complaint FTC report for identity theft I expect all of this fraudulent activity to be removed immediately upon receipt.