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

I received a notification from XXXX XXXX  my student loans have increased over {$60000.00} recently. When I reviewed loans reported on my credit report it reports 11 different XXXX loans totaling over {$120000.00}. My student loans should be currently around {$67000.00}. I have tried to contact XXXX several times and credit agencies. However due to " long wait times '' and being disconnect it is impossible to speak to someone on where these loans are coming from. Also they are all different totals, not duplicates? This is reporting on all credit bureaus. Can you assist me, I have worked very hard to keep my credit outstanding and this is just unacceptable. I appreciate any help with this matter.
Product: Debt collection

This company is reporting 4 medical bills on my credit report that are not supposed to be there. I requested validation in the form of a signed contract stating that I received direct service from them and would allow them to collect this debt. They could not provide me any signed documentation showing that I in fact owe them for the alleged debt. 
However, they did send me statements detailing specific health services that were completed with someone else which is a direct violation of my HIPPA rights and were not authorized to be released to or by any 3rd party. 

Alleged amounts owed : {$630.00}, {$630.00}, {$630.00}, {$930.00}
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 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 reporting or other personal consumer reports

I received a copy of my credit report and found unauthorized inquiries on transunion and XXXX Actions that were taking were, sending letters such as. As a federally Protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX As per 15 U.S.C. 1681 permissible purposes Opting out letters, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.
Product: Debt collection

On around or about XX/XX/2023. XXXX XXXX in an attempt to collect a medical debt in the cost of {$1000.00}, reported to XXXX, XXXX, and XXXX without my knowledge. This caused damage to my XXXX XXXX with all 3 credit bureaus and also my bank causing my XXXX XXXX to drop drastically, preventing me from making a large purchase. I wrote them a letter asking them for proof with my name and signature. They sent me a letter back in response but failed to show proof.
Product: Credit reporting or other personal consumer reports

Hello, it has come to my realization that my XXXX took out credit in my name while I was at XXXX. This credit was not for me and now I have been stuck with this debt as he no longer can afford. This is pure ID theft and I have reached out to the XXXX companies and they have not replied back nor has the XXXX reporting agency. This is not fair as I am a new graduate and I can not be stuck with debt that i did not take out for myself. Please help me Accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Re: Refund of Two Checks Causing Overdraft in my CHecking Account
XXXX
/
Sent


XXXX XXXX 
To: Selenefinance Customerservice
,
XXXX XXXX

XX/XX/XXXX at XXXX XXXX



On Wednesday, XX/XX/XXXX, XXXX XXXX  EST, XXXX XXXX  wrote:


XXXX XXXX XXXX XXXX XXXX, NJ XXXX 

XX/XX/XXXX



Selene Finance	XXXX XXXX XXXX



Re:	Error checking account $XXXX Overdraft today



I found you had taken over XXXX out of my checking today when I only authorized the usual $XXXX  payment. I am overdrawn $XXXX now and want o know why . Called phone and spoke to XXXX. Now will call XXXX XXXX XXXX.


Accidentally caused XXXX XXXX XXXX to send out three paper checks for mortgage this month and you cashed them. Thereby causing my checking to be $XXXX Over drafted as of today. They were for new amount effective XX/XX/XXXX of $XXXX, XXXX and the old amount of $XXXX.


I need the excess  checks to be refunded to me in $XXXX  and $XXXX. That will make my checking account back to normal and right. Called XXXX XXXX XXXX after finding $XXXX overdraft in checking. They said could not help me to call Selene.

Today I called Selene and spoke to XXXX on XXXX and he said he could not find those payments in my screen. Called XXXX in Arizona at XXXX  XXXX and she said I needed to get fixed with Selene. Second time called Selene and got XXXX. She listened and tried calm me and said she would check with supervisor on this. They will send up accounting request to fix this and get accounting back to rights.

They need me to send details in email.


XXXX XXXX XXXX


CC:    BBB, XXXX Complaint


Selene Finance LP 
ATTN: Customer Service Research XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX US

XXXX;


XXXX XXXX


XX/XX/XXXX XXXX XXXX customer support called and wanted to know if I had idea when the two check would be reversed. They are waiting on that to help me with overdraft fees and bouncing checks situation.


I havent heard back from you at Selene since I called and sent email a week ago on XX/XX/XXXX. Same day I sent the BBB complaint that XXXX also got. Can someone get back to me with an expected date for refund of the two checks I requested. Thank you.


XXXX XXXX  

XX/XX/XXXX XXXX 

XXXX will call back tomorrow and see if I find out when to expect the credit to be in my account. *I hope to have some definite answers for them by then. Still no reply from you as of today. XX/XX/XXXXXXXX.






Settings

XXXX XXXX XXXX




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Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is reporting incorrectly. 
My score has not changed since XX/XX/XXXX. That is what is being reported currently, a score from XXXX to all my creditors when I apply for new credit. 
Several attempts have been made to settle the issues. BUT all I get are unfulfilled promises. The ball is being dropped here. 
This is a violation of my rights. 

The pictures I shared are from the experian app viewed XX/XX/XXXX Laws being violated - 15 U.S.C. Sec. 1681i, 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ) and 1681i ( a ) ( 1 ) ( C ) 1681i ( ( a ) ( 2 ) ensures promptness in handling my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau employees have added the " Closed Discharge Chapter XXXX Bankruptcy '' information dated XX/XX/2011, a second time by adding all companies listed in the Chapter XXXX, onto the open Derogatory Current Information. This action was done by a Experian employee for personal profit or personal gain. This is a Discrimination action so that a " HIGHER INTEREST HIGHER COST '', Denial or both. also causing a LOWER FICO Score. I am a XXXX XXXX Veteran and being Discriminated
Product: Vehicle loan or lease

Action were taken as scheduled. I was in a car accident with vehicle and come to find out, I was in a fraudulent situation. I was over charged for vehicle and insurance only covered book value and they are stating that I still have a bill and I'm not understanding why or how. People I brought car from business was shut down due to alot of fraudulent miss handling financial services. They are asking ne to open up a payment plan, but I don't think its necessary for a business that no longer up and running, plus they went to jail. The accident was XX/XX/XXXX and we are still dealing with case. This company is called Santander Comsumer USA, I'm not sure what bill is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit card

I would like your consideration in removing a late payment reported from Best Buy Credit Service on my credit report. 

On XX/XX/XXXX, I purchased a laptop computer from Best Buy for {$1200.00}. I intended to put the purchase on my credit card which I always pay off in full monthly, but the associate said I could get a ten percent discount if I signed up for a Best Buy credit card. Since this was a substantial purchase I agreed. The associate entered all my information on his terminal and signed me up with paperless billing. Unfortunately, my email address was entered incorrectly and I was set up with paperless billing by the associate. As a result, I never received a statement.

After I used the computer for a while I determined I needed more resources, so I returned it to get an
upgrade. Since they were out of stock and didnt know when they would get more in, I decided to just get a refund on XX/XX/XXXX. At this point I thought I had a XXXX balance, so I did not expect a statement with a balance. 

On XX/XX/XXXX I received a voicemail from Best Buy since I block unknown callers. I returned the call and was told I had a balance past due of {$210.00}. Apparently there was a restocking charge I was unaware of, so I gave him my payment information and authorized him to make the payment. Again, I thought my balance was XXXX. 

On XX/XX/XXXX I got a notice from my credit monitoring service that my credit score had dropped substantially due to a late payment report from Best Buy. I had never set up an online account with Best Buy since I thought the account was XXXX and I never intended to use the card again, but getting this information I went online and created an account. It was then that I discovered that the agent on the phone had not paid off the account, but had only paid the minimum due. I also found that on XX/XX/XXXX a late fee of {$30.00} had been charged and on XX/XX/XXXX a {$40.00}. had been charged. 

I immediately set up my payment information on my account and paid off the account. It was then that I looked I my profile and saw that my email address was incorrect and this is why I had never received a statement. I updated my address and have now been receiving email from them. A couple of days after this, I received a letter in the mail telling me my account was past due with the amount due. Of course by that time, I had already paid off the account, but the damage had already been done to my credit rating.

I have never been late on any of my payments in the past and have always had an excellent rating. I always pay off my credit cards in full every month.

I respectfully ask that you remove this late payment from my record as I never received a statement from Best Buy due to an input error from the Best Buy associate when entering my account information.

Thank you
Product: Credit card or prepaid card

Popular credit services charged a new annual fee of {$140.00} for my XXXX credit card on XX/XX/2021 and generated the new statement on XX/XX/2021. I received the statement and immediately called them on XX/XX/2021 to cancel this account and request the refund of the annual fee. Since I couldn't travel this year, I don't want to keep this card. However, the customer service agreed to close my account, but refused to refund the annual fee. It is unfair since my account is cancelled and I won't use their card for the upcoming year. I complained to her and she agreed to file a dispute for me to waive the fee on XX/XX/2021. Unfortunately, after waiting for more than one month, they still didn't refund the fee and started charging me interest.
Product: Credit card or prepaid card

US Bank Relicard has been nothing but trouble since receiving it. I usually get my direct deposit Government Benefits sent to US Bank XXXX XXXX XXXX after receiving them from XXXX. US Bank does not deposit my benefits early. Recently, I requested a payment from Texas XXXX XXXX on XXXX XXXX, 2023. This was processed and sent to US Bank XXXX on XXXX XXXX, 2023. I did not receive the funds, When I logged in today it tells me that my account 's are in ( Read Only ) Mode. When I spoke to a rep today from US Bank XXXX they told me that my account has been deactivated from XXXX and that I need to contact XXXX. XXXX does not issue debit cards and does not have control over enabling or generating or disabling debit cards. That is US BANK. I asked to speak to a manager who told me they closed my account on XX/XX/XXXX after receiving my payment and that I can't speak to anyone about it and he can't explain it to me. Even though, I never received any letters or notices from US Bank Prior to my account being ( Closed ) Without Explanation or resolution. Again he directed me to contact XXXX. I called XXXX Today and they told me they don't see anything about a account deactivation and that there is no errors on their side, They told me they will have to send an inquiry to their finance department but they already issued my payment and US Bank did not send it back. US Bank is obviously holding my funds ( My original email XXXX ) US Bank Relicard customer service refuses to give me any information and just keeps directing me to XXXX. XXXX tells me they do not issue debit cards, my account is not locked with XXXX and my benefits payments are in good standing. So Clearly this is an issue with US Bank Relicard. They are holding {$1000.00} of my money, and this is going to cause me to be evicted and not be able to pay bills. This is causing financial loss and monetary harm. US Bank Did not provide detail, and will not assist me. US Bank issues the Relicard and again they are all clueless as to what is happening. XXXX said Relicard may need to verify my identity but they have already done that several times now. I want a resolution as to how it is legally allowed for them to hold my government benefits without explanation. Closing the account the day they receive them seems oddly suspicious.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} U S DEPT OF EDXXXXXXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX
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 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  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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I received a fraud detection alert from my bank ( Wells Fargo ) that there was suspicious activity detected on my debit card on XX/XX/XXXX at XXXX XXXX. I immediately noticed XXXX fraudulent charges from the XXXX XXXX ( XXXX in XXXX, and XXXX in XXXX.all within a few minutes of each other ). The charges add up to {$740.00}. I immediately called the bank ( on XX/XX/XXXX at XXXX XXXX  ), cancelled my debit & requested a new debit card, and filed a claim. Wells Fargo has declined my claim saying the transactions were done by a chip reader and therefore it must have been me. I did not make those transactions, they are at separate XXXX XXXX  locations in XXXX and XXXX within minutes of each other, I couldn't have been in XXXX and XXXX at the same time doing this. Wells Fargo says they can not look any further into the claim due to the chip reader. I had the card in my possession at the time, and I did not make the transactions. Wells Fargo is refusing to look any further into the claim because a chip reader was used. They won't look with XXXX XXXX to prove it wasn't me. They said fraud was detected, but then when the fraud was reported they are denying that fraud took place. I filed a police report with the XXXX Police Department ( case # XXXX ) to have them assist with looking at surveillance to prove it wasn't me. I'm requesting further investigation into this fraud claim and reimbursement of the charges. Fraudulent charges to my account : card # ending XXXX XX/XX/XXXX {$250.00} ( XXXX XXXX XXXX XXXX California XXXX, store XXXX ) {$110.00} ( XXXX XXXX XXXX XXXX NV XXXX, store # XXXX ) {$380.00} ( XXXX XXXX XXXX XXXX NV XXXX, XXXX ) This is the second time filing a complaint with the CFPB. After filing the first time, Wells Fargo came back and continued to refuse reimbursement of funds. They continued to state the reason was because the chip was read. A complaint has been made to the OCC as well.
Product: Credit reporting or other personal consumer reports

The company SUNSET MGT is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. Sunset Mgt is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information with this creditor multiple times and they have not shown how they have verified this account. I have asked for original documentation XXXX a consumer contract with my signature on it. ) You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have continued to report this on my credit file without providing verification. If they can not produce these documents they need to be deleted immediately. This information is only being reported to XXXX bureau and has been deleted from other because they were not able to validate. The same thing needs to happen here.
Product: Debt collection

This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX