23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The STATE AL XXXX CHILD SUPPORT XXXX, AL XXXX. At XXXX. Shows up on my Equifax credit report with inaccurate and outdated information. The account was opened in XXXX this is correct.. The account type is OTHER I have no idea what this means. The activity designator is PAID_AND_CLOSED. The balance is correct XXXX. There's a check mark for paid on time the Equifax report shows 120 days late for XX/XX/XXXX, and no where else, going back 7 years up till present XXXX. Date of First Delinquency is XX/XX/XXXX this is incorrect. Date Closed XX/XX/XXXX this is incorrect the account should've been removed. Actual Payment Amount. Date of Last Payment. Date of Last Activity. Are all blank. It all contradicts. I was pre-approved for a mortgage and Equifax reports Serious Delinquency. Time since Delinquency is too recent or unknown. Number of accounts with delinquency. I have'nt missed a payment on anything in the last 7 years of this report. I've filed two disputes with Equifax and each time the report becomes more bizarre and is adversely affecting my credit score. Confirmation Number : XXXX submitted XXXX and showing closed. Confirmation Number : XXXX submitted XXXX and showing closed. Lastly it shows in comments as a collection account, Equifax added that. If anything its a chargeoff.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I mistakenly sent {$1000.00} through Cash App to my girlfriend instead of my roommate for rent. On XX/XX/XXXX, when I realized the mistake, she used Cash Apps refund feature to return the funds. According to Cash App, this feature is supposed to process refunds within 35 business days directly back into the account that it came from, provided the recipient hasnt already deposited the funds into their bank account. 

However, the refund never reached my account. Complicating matters, on the day of the refund, I was out of state and had locked my debit card through my banking app after losing it, as a precaution against unauthorized use. I initially thought the locked card might have delayed the refund, so I waited two weeks before contacting Cash App. 

When I reached out to Cash App, their customer service confirmed the refund was successfully processed on their end and advised me to contact my bank. I followed up with XXXX XXXX, but they had no record of the transaction and opened a claim. Two weeks later, XXXX sent me a letter stating they had closed the claim, as Cash App is out of network and they couldnt assist further. I asked if they could credit my account and pursue the funds from Cash App, but they informed me they could not. 

I returned to Cash App support and requested to escalate the issue. They informed me that managers only respond via email and submitted a new complaint. They did send me a transaction receipt that had the transaction numbers detailing the refund. After corresponding with a manager for a few days, I was told there was nothing more they could do and was provided with their attorneys contact information. 

At this point, Ive gone back and forth multiple times with both Cash App and XXXX XXXX. Cash App claims the refund was processed successfully, referencing a transaction number, but they have not considered the possibility that the locked card might have caused the refund to bounce or remain in limbo. Meanwhile, XXXX asserts they are unable to investigate further because Cash App operates outside their network.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX bank account was fraudulently opened I've contacted them and the issue was not resolved I also disputed it and it was not resolved
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM OPTION ONE. IN 2004 WE THOUGHT WE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATION THERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN 2004 WE THOUGHT WE WERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX  AT THE SAME TIME WE THOUGHT WE WERE APPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALL FRADULUENT ACTIVITY IN THE US BRC OF XXXX  GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WE WERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF XXXX, IT APPEARS HE IS STALLING AND WILL NOT RESPOND TO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT. EVERYONE KNOWS NO MORTGAGE COMPANY WILL APPROVE 4 TO 5 LOANS IN A WEEK OR MONTH FOR A XXXX COUPLE! PLEASE!
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 Dear Ladies and Gentlemen : This communique is a complaint against Wells Fargo. Wells Fargo has charged 3 overdraft fees against me illegally. The only charge that I should have is for XXXX XXXX gas station. 


The other deductions for XXXX, XXXX XXXX, and XXXX XXXX were made before the XX/XX/XXXX charge at XXXX XXXX I checked my accounts to see if I had the funds to go to these fast food restaurants, and the funds were sufficient. 


This is the third time that Wells Fargo has illegally charged my account. Previously, they charged my account, and I made the automatic transfer from my checking to my savings account. So, I shouldn't have had to pay fees for accounts. 


Your immediate response will be highly appreciated. 


Sincerely, XXXX XXXX
Product: Debt collection

I am a senior citizen XXXX years old and retired with no income only received from social security, and can not pay the debt of over XXXX XXXX dollars.
Product: Vehicle loan or lease

To whom this may concern I am following this complaint for US auto located in XXXX Georgia. I bought a car with a warranty they close abruptly and transfer the entire balance to the new company, which is a WestLake financial. I was told that I have no warranty on my car and my car is been in the shop for months. Ive paid over up {$1000.00} to have it fixed when I shouldve had a warranty to fix my car I still been out without my car for months now and they have no answers and cant help me. I have contacted a lawyer to try to sue them to have this car removed from my name to die can get a car that I can drive as well as all down payment and monies paid to this car does not show with the new loan company. I need this car removed from my name and return to Westlake so that I can purchase a car that I can drive. This is fraught on every level. Thank you in advance.
Product: Student loan

Payment was made XX/XX/23 in the amount of {$5000.00}. MOHELA has responded to CFPB complaints but issue remains unresolved. MOHELA or XXXX XXXX has mishandled the funds paid and refuses to allocate funds paid to student loan balance.
Product: Checking or savings account

To Whom It May Concern, In XX/XX/2017, I had some overdfraft fees refunded by Webster Bank. The customer service representative I spoke to at that point told me she was refunding the fees because the overdraft " never would have occurred if the online banking was accurate. '' Over the next couple months I received a few more overdraft fees from Webster Bank due to these same online banking inaccuracies. When I tried to get these fees refunded, I was told the error was my own, and I was responsible for the fees. 

Since each overdraft occurred in the same manner as the first, which was refunded due to online banking inaccuracies, I of course had to question how the newest ones could not be refunded as well. Webster at that point, denied that the conversation I was citing never happened. My argument going forward was that the first representatives recognition of online banking issues set a precedent, which is that the bank is aware that they have online banking issues, and that they would take responsibility for them. When I pointed this out, they again said the conversation never happened. 

At this point I requested for the initial phone call from XX/XX/XXXX to be reviewed. Webster claims to have reviewed the phone call, and says that my recollection of the call is totally incorrect. While I am sure there is a possibility that my recollection is slightly off, I highly doubt that I am imagining the whole thing, as Webster Claims. 

I then requested a copy of the phone call, which was denied. I asked for a independent third party to review the phone call, which was denied. I also asked if we could listen to the phone call together, whether on the phone or in person, and that was denied. 

My belief is that Webster is intentionally not letting me hear this phone call, because if they did, they would have to admit that their representative did in fact state their online banking is prone to issues, and did in fact state they would take responsibility for those issues. Once that is established, Webster would then have to refund the rest of the overdraft fees, all of which resulted from the same issues. They of course, do not want to do this. 

Again, I am fully willing to admit that my memory of the phone call could be very slightly inaccurate. But Websters insisting that the whole scenario is entirely fabricated is not only wrong, it is extremely insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus Transunion,XX/XX/XXXX, andXX/XX/XXXX will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

Good Morning I had an account with XXXX credit card through XXXX in XXXX DE back in 2006. They were paid off and my credit report was reporting a {$0.00} balance for all 3 bureaus. ( Please see attachments. ) Since then other companies such as XXXX XXXX and Harvest Credit Management has been harassing me. Harvest placed a judgement against me in XXXX XXXX District Court, it remained there and then it was discharged ( Please see attachments ) This account is almost 14 years old. The Credit Bureau suggested that I go to court and show the judge they all were reporting a {$0.00} Balance for this account after their investigations. I am in dire need of your help, I am XXXX XXXX years old, I have a job but now Harvest Credit Management has sent wage garnishment to my employer so they are threatening to do. How long can a person be harassed? almost 14 years. I have a check in which I paid them, a letter I sent to the Credit Bureau etc. ) Please help me
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 card or prepaid card

I closed my Discover Card a few months ago and it had a plus balance of over {$300.00}. They transferred it to my checking account, but that was reversed for some reason. It was sent back to Discover. I have called them twice and they said they'd send it again, but nothing happens. I did get the cash back into my checking account and another refund, but they intend to keep the plus balance ( from a refund ) for some reason.
Product: Checking or savings account

I asked Capital One weeks ago before i filed this complain, to refund me 4 charges related to fraudulent transactions made by two different merchants in XXXX, XXXX where i am at the moment staying due to Business, Merchants are Jumbo Supermarkets and XXXXXXXX XXXX XXXX  as they charged my debit card, later told me card was not read and i had to pay cash at their stores, later finding out the charges were made, i even provided CapitalOne with the requested receipts and additional documentation that proves that even the receipts show Payment made in cash yet CapitalOne comes in a phone call i made to them yesterday XXXX XXXX, 2023, ( because i did not heard from them even on an email or anything since i placed this charge disputes ), with a bunch of excuses and lies of information that was not provided to me by them, saying they wont issue a refund because I Paid in cash, also the Representative who took my call, tells me in a very unprofessional attitude and tone to better take my Money to XXXX XXXX or other XXXX if they refunded me in the past for fraudulent charges, as answer because i told him before how irresponsible CapitalOne is with clients that keep their business moving, ended the call refusing to refund me this unfair and fraudulent charges, as its my right as customer not having to pay double for products and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested correction of from XXXX XXXX of amounts to be adjusted to correct amount for XXXX XXXX XXXX on XXXX report XXXX and XXXX .the amount wasn't corrected after payment made was not adjusted from XXXX. I disputed Credit Bureau System Inc. whom I've never had a contract with which was sold from XXXX XXXX XXXX XXXX XXXX amount of XXXX, XXXX XXXX, XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Social Security was provided in addition to documents showing that I had XXXX XXXX and XXXX XXXX medical coverage during these times. Due to the false and negative information it has harmed my credit and caused financial hardship to which it has violated my rights 15 U.S.C 1692, 15 U.S.C 1666 and ( T.I.L.A ) ( F.D.C.P.A ) XXXX XXXX XXXXXXXX XXXX, XXXX, has settled in Lawsuit is closed was sold to XXXX XXXX XXXX to XXXX XXXX XXXX. Settlement has be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included LVNV Funding, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or LVNV Funding has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : THE XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted the credit bureaus about an inaccurate credit account by the name of XXXX under XXXX XXXX XXXX in a amount of {$2600.00} which does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$3000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXXXXXXBalance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXXXXXX Balance : {$1600.00} , XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired
Product: Credit reporting or other personal consumer reports

Midland Credit Management has a collection on my report that the original creditors seems to be XXXX XXXX XXXX This account I believe was recently deleted from my credit file and may have been sold to Midland credit Management. Anyhow Ive never had a credit card with XXXX XXXX XXXX or midland credit management. For Ive been a victim of identity theft.
Product: Money transfer, virtual currency, or money service

My brother, father and I invested {$5000.00} in XXXX through a company called Coinbase in 1st week of XXXX in XXXX. We know this as that is when the Coinbase emails confirming our new account were sent to us. We do not know exact date as we can not access our account. We invested as a family and decided we would hold it for a long time. Roughly 6 months ago, I noticed XXXX was going up in value and decided to check the account balance on my Coinbase application. When I checked our account, the account showed a zero balance with no transaction history. The account did not even show where we transferred the {$5000.00} into Coinbase either. So, I submitted a case # to Coinbase immediately regarding our issue. My case number is XXXX. I have sent over 50 different emails in the last 6 months trying to access my account but Coinbase Support does not answer the phone and they keep sending me the same information over and over again via email and I am getting absolutely no where. I have pleaded with Coinbase Support to help me figure out where our hard earned {$5000.00} is and they still have not responded even after 6 months of time and over 50 emails. Also, I went on XXXX and there are thousands of people just like me that are experiencing the same issue with Coinbase and all within the same time frame too. My family and I are distraught, and with the virus and issues with the economy, we need this money badly. Even if we only get our original investment we would be happy even though it has to be worth over {$20000.00} at this point. Please please help my family and I get our money back. Thank you so much for your help.
Product: Credit reporting or other personal consumer reports

There Are Unauthorized Accounts On My Credit Report XXXX XXXX XXXX ( {$5100.00} ) XXXX  ( {$8000.00} ) XXXX XXXX XXXX ( {$4200.00} ) XXXX XXXX XXXX ( {$11000.00} ) DeptedXXXX ( {$4000.00} )
Product: Checking or savings account

I was the victim of the XXXX scam, On XX/XX/2023, I was trying to sell my TV on the XXXX XXXX, someone contacted me and said interested in my TV, and he called me through XXXX XXXX asking to check my email to see whether I received my XXXX payment, the email showing it's from XXXX XXXX and saying that crediting XXXX dollars failed because he was sending from XXXX XXXX account to my personal account, he was " deducted '' XXXX dollars, and asked me to XXXX him XXXX dollars as refunding, I was cheated and XXXX  him XXXX dollars to his account XXXX XXXX XXXX, then I was got another email from XXXX pay saying that Final steps to follow : 1. Get your XXXX account Ready. 
2. Ask for the XXXX  details from the buyer. 
3. Send the total of {$200.00} USD from your account to the given account. 
4. You are required to send us clear proof ( screenshot ) that Payment has reflected to your buyer account. 
He then asked me to XXXX the {$200.00} to the same amount XXXX XXXX, which I did. 
then I received another email from XXXX pay saying : " The {$200.00} USD you sent earlier is still on pending review and didnt go through. You have to send the {$200.00} USD to your buyer XXXX  information so we can approve the transaction and deposit into your accounts immediately. We would refund the {$200.00} USD you sent earlier once you send the extra {$200.00} USD to your buyer XXXX information for us to approve this transaction. 
We will credit your account with the total of {$850.00} USD once you send the extra {$200.00} USD to your buyer XXXX information. " You can use any payment method to make the payment. 
Then he cheated me to pay this {$200.00}, I used XXXX transferred from my Chase account to XXXX XXXX XXXX CA XXXX XXXX dollars, and used robinhood and paid him XXXX dollars bitcoin. 
I was later cheated by him to XXXX another {$290.00} to his account XXXX XXXX. 
In total I lost XXXX dollars from my Chase checking account. I called police same night, she asked me to contact Chase bank, second morning I called Chase, they don't think they are responsible for this scam. I am now helpless.