23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied and was approved for a {$500.00} Money Lion Credit Builder Loan. The stipulations of the loan were that {$75.00} would be paid to me up front and the remaining {$420.00} would be placed in a reserve account. I would then pay 12 monthly installments. Once the 12 monthly installments were complete and the loan was paid in full, the {$420.00} in the reserve account would be then released to me. 

XXXX days after after getting the loan on XX/XX/year>, I paid the balance in full. I then went to the money lion app to see when the fund would be released and it stated XX/XX/year> that the funds would be released. 

On the XXXX of XXXX, no funds were released to me. Over the next XXXX weeks I reached out nearly daily to chat customer support as well as calling their customer support line. Every time I spoke with a representative, they all told me they were looking into it and would call me back. I never received a call back once and any email information that was sent to be had no answered provided, just that they were looking into it. It is now XX/XX/XXXX, and I still do not have my money. All representatives of the company will not provide me any sort of timeline or date of when the funds would be released. 

It has been 16 days since I paid the loan, and nothing... Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on the day to Transunion via phone which an alert was received in reference to an alert that was received. The hard inquiry alerts listed below was not consented or authorized by me. The other 2 credit bureaus have as well been notified and the appropriate deletion and updated credit reports have been corrected due to previous and current information being exposed in data breaches and also online. I am requesting for the inaccurate inquiries that was NOT authorized to be deleted as this is hurting my credit score. I was not contacted by any creditors in reference to the alerts nor did I receive any documents via mail. My credit reports clearly states Please contact the consumer at - before issuing credit or goods due to previous fraud. The creditors listed below did not follow guidelines and regulations of the law written. The companies were contacted and I was advised to contact the bureaus again for deletion.

Hard Inquiries not authorized by me 1 ) XXXX XXXX  XXXX XXXX XXXX, 2019 2 ) XXXX- XXXX XXXX, 2019, 3 ) XXXX XXXX- XXXX. XXXX, 2019 and XXXX XXXX XXXX XXXX, 2019. 

Attached below are a few documents
Product: Credit card or prepaid card

I am XXXX and requested a new credit card. Customer service refused to assist me if I had the computer reading to me, I then asked my daughter for help and they refused to allow anyone to speak other than me. They said I had to read the number from a text message. When my phone read the message they refused to accept it because it was not my voice. I repeatedly explained the situation. I stated disability rights language to them ... they refused to assist me in getting a new card. My card had expired. The customer service escalation assistant was rude, spoke over me repeatedly and in the end ... 1.55 hours did exactly what I was asking for .... sent me a new card. However, this is an exact repeat of the problem we had when we first requested new cards in late XX/XX/2020. This escalation expert repeatedly refused to follow the ADA guideline for providing a voice option to the number, was beyond rude and very dismissive. If requested for speech or hearing impaired he is required to allow third party assistance with verbal permission. Employee name is XXXX employee number XXXX. Refused to escalate to customer complaint, customer service or consumer complaints. Refused to provide customer complaints direct phone number
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THIS CREDITOR AND XXXX AND XXXX IS NOT DOINT HTEIR JOB ON DELETING AND BLOCKING THE REPORTING OF THIS FRAUDALANT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection of {$85.00} on my credit report which is a medical debt collection they are reporting - arent medical collections under {$500.00} supposed to be removed from Credit files? Please advise.
Product: Vehicle loan or lease

My Mercedes Lease agreement was terminating on XX/XX/XXXX. I received an email on XX/XX/XXXX that my next auto payment was being drafted on XX/XX/XXXX. I called Mercedes Benz Financial Services, asking how I could turn off this payment. They gave me instructions on how to cancel the auto payment, but the current pending fee of {$1100.00} was processed anyway and removed from my account. 
Now there was an extra payment on my account of {$1100.00}. I asked MBFS for a refund of my overpayment. They said they needed to hold the payment for 7 days before refunding. 

I called back again on XX/XX/XXXX and they said after the 7 days is up they would mail me a check for a refund. 

On XX/XX/XXXX I turned my leased vehicle in and purchased a new vehicle from the same dealership. 

On XXXX/XXXX/XXXX, I called MBFS asking where my refund was ; they said my refund went to the dealership as a credit for what the dealership had to pay to purchase my leased vehicle from MBFS. So the dealership paid {$1100.00} less for the vehicle because of my payment. 

MBFS says they will not refund my overpayment as they gave the credit to the dealership and no longer have the money to refund me. 

They told me to request my overpayment to be reimbursed from the dealership. I had the MBFS customer service agent do a three-way call with them, me, and my dealership sales agent. 

My Mercedes dealership located in XXXX XXXX, FL. XXXX the sales agent did understand, as stated by the MBFS, that my extra payment was given to the dealership as a reduction of the payoff fee. 

The XXXX dealership said the bottom line was that I would not get any refund from them. 

So, to this day, I am still out the {$1100.00} with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$3600.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX XX/XX/2020 ) ( XXXX/XXXX  XX/XX/2020 ) ( XXXX  XX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit
Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from Discover, XXXX/XXXX ( XXXX ), XXXX, and 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  accounts 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I would like copies of all of the loan documentation sent to me. That includes copies of the loan documents, recorded documents and any and all documentation related to this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that 1 do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that 1 am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX XXXX
Product: Bank account or service

On Thursday, XX/XX/2016 I made money transfer in the amount of {$500.00} through the Western Union wire. For some reason, the wire was placed on hold but the funds were still removed from my account. When the receiver when to pick up the funds from Western Union, they were told I needed to provide identification via facsimile. I felt this was a phishing expedition as I have never had to do this before using their services and sending it to this receiver. Each time I call Western Union to cancel, I am told I need to provide documentation or identification, I informed my bank and they are dumbfounded suggesting that I work with Western Union. Western Union is indicating this is a government requirement to have the sender to provide identification, the MTCN # is XXXX. There is a huge language barrier from each individual that I speak with regarding this matter.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX XXXX credit card. Due to financial hardship I was unable to make payments which caused my account to go into collections. I have made numerous attempts to reach out to XXXX XXXX to settle my debt. It has been years from when I have opened the card and this still shows on my credit report.
Product: Money transfer, virtual currency, or money service

This complaint is with PayPal Credit. I originally made a purchase with an XXXX dating subscription. I used PayPal Credits deferred interest for 6 months on purchases over {$99.00}. When XXXX kept putting up the same people that I had already discarded, over and over, even PayPal Credit said that such was unacceptable. It is not acceptable that anyone should just take what is happening with the website. I tried to resolve it with XXXX first, to no avail, then contacted XXXX and disputed the charge. PayPal credit has not decided in my favor. I do not find this reasonable. The website is saying that the subscription is no longer accessible and reflects a balance of {$170.00}. In addition, PayPal Credit is also asking for {$170.00}. If XXXX has a balance of {$170.00} that they claim I owe, then why is XXXX inaccessible and asking for {$170.00}. The fact that I havent even been able to access the site and have been going around and around and not getting anywhere is enough for me to be done!
Product: Checking or savings account

Robinhood restricted my account with no indication of why. I am unable to withdraw my funds. After being told to request a call back, I have not been called back and there has been nowhere to do so on the app. I have spoken with three different agents and asked how to request a phone call as there is no option in the app, and they immediately end the chat after providing a copy paste response that does not help. I would like robinhood to reach out to me and solve my issue. 

They originally said my issue would be resolved on XX/XX/year>. Then XXXX. Then XXXX. Then XXXX. Then XXXX. Now they have no resolution date and are unresponsive to all help requests. I would like my {$980.00} that I can not withdraw back immediately.
Product: Credit card or prepaid card

They sent me an offer for a card I couldnt get because they said I already had a card issued from the same family of cards and couldnt qualify for it until 90 days after the first card was issued. But by then the offer will expire. False misleading fraudulent offer. If they ran a hard inquiry that hurts my credit. The person I talked to would not give me any straight answers
Product: Money transfer, virtual currency, or money service

I'm filling 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, leave 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 action have cause significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Credit card

My cards and phones were stolen and someone used my cards for shopping I contacted chime to dispute the unauthorized charges I also provided them with a ftc report. They did give me provisional credit but while I was waiting on my cards to arrive by mail whoever has my phone had access to my chime account and they withdrew all of my funds twice here are my dispute case numbers # XXXX # XXXX I have been calling and emailing chime for the last few weeks this is very hurtful especially around this holiday season all I want is my funds back.
Product: Money transfer, virtual currency, or money service

I would like to state my opposition to the decision of XXXX XXXX XXXX and bank of America on gun owner ship and sales of lawful gun transactions. I will not support any institution that opposes my values, liberty and constitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states my information was compromised in the hack recently. This is a large amount of sensitive, damaging information to my credit and was stored improperly if it was accessible to the greater internet unencrypted.
Product: Debt collection

I'm a victim of identify theft. I received a bill through the mail saying I have a debt in the amount of {$1000.00} from XXXX during the month of XX/XX/XXXX. I did not make this purchase so someone is using my social security number to make this purchase. I have notified the agents from my XXXX account and the helped me enable a feature to where I will receive phone call everytime my social security number is being used. I will also be going to the XXXX  store to notify them about this purchase I did not make. I still need help finding out what else I can do about this Fraud and making sure it doesn't happen again. Thank you.
Product: Checking or savings account

I had attempted to make an external transfer from my account ending in -XXXX on XX/XX/2020 in the amount of {$1400.00}. This attempt was made through BMO Harris online banking. Upon making the request, I immediately received a message stating that the transfer will not go through since the bank needs to verify my identity. I also received an email stating that I won't have access to transfer to or from my external bank accounts until I call and verify my identity. 

Since I was under the impression that the external transfer will not go through, and I did not have time to call the bank at that very moment, I proceeded to transfer the funds internally to my other BMO Harris Bank account ending in -XXXX, and instead make an ACH pull from my external account. 

To my surprise, the next day I saw that not only were the funds taken from my account ending in -XXXX, but I also had a negative balance in my account ending in -XXXX. I was charged two NSF fees of {$36.00} each on XX/XX/XXXX and XX/XX/2020 since the transfer was attempted twice without my authorization. 

I called BMO Harris Bank customer service on XX/XX/2020 to discuss the fees and the representatives insisted that it is not a bank error despite having all the proof otherwise. They offered me a refund for one of the NSF fees but not for both. I would kindly like to request that both fees be reversed since this is indeed a bank error and the fees should not have been charged to begin with.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Commercial Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to request this Collection is removed from my credit report. of the following information that appears on my Equifax report.I have NEVER requested credit from the following XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2600.00} I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately! 

XXXX XXXX
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX/ which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Fraudulently went into what was said to be a car loan contact, that was then unlawful turned into a security back asset without disclosure and then sold and traded for investments with out consent or disclosure. Once I realized the security fraud that was going on I rescinded the unlawful contract, notified the company and the IRS, of the fraud and have been requested the collateral asset back since. XXXX XXXX XXXX XXXX never disclosed all transactions that would be going on with this security back asset. XXXX XXXX XXXX XXXX then reported false information to XXXX, equifax. This account has been completely discharged through the u.s treasury and XXXX  continues to violate permissible purposes by sharing private information to a third party with out authorization