23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I cashed my check using Ingo mobile check cashing I wanted my card ending in XXXX to be funded after 2 hours I received a email stating that they were unable to fund that card then I linked card ending XXXX & XXXX both were unable to fund after contacting ingo again and I was informed that I could use a XXXX or XXXX I preceded to link my XXXX and called back and spoke to XXXX she said that wasn't true and it had to be a debit she also said that I could use a family members card and she would stay on the phone with me while I link it so with permission from step XXXX XXXX XXXX I linked his card ending XXXX she had me hold for a few minutes then she came back and said it worked and it will be 1 to 2 hours but it never came I called again and was informed that it could take 48 hours so I checked this morning and still nothing we call my dads bank and they said nothing was ever attempted to be deposited. I received a email stating that transaction was approved and account ending in XXXX was funded I call them to let them know that was not my account and I did not give that #
Product: Vehicle loan or lease

PNC Bank was unable to execute the loan after issuing the loan documents. PNC Claimed that " the Internet is down '' as the reason for being unable to generate a check against the loan. After having the customer wait 3 1/2 hours in the branch, they generated the check, but set up the loan in the wrong amount. Now PNC is trying to reissue the loan and check and have the customer return to the bank to correct the amount- the error is {$0.00}. 

This bank is incompetent and unmanaged.
Product: Money transfer, virtual currency, or money service

I use XXXX to transfer money which I was scammed and Bank of America told me there was nothing they could do about it
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My names that are reporting on my credit report are incorrect. 
Any other names are not me. I've attached my driver 's license, passport, proof of residence. Please remove any other names that are on my credit report My Current Address is reporting incorrect on my credit report : Any addresses other than the address that I've provided are undeliverable and I have no access to them. Please see attached documents for proof of address. Please remove any other addresses that remains on my credit report immediately.
Product: Credit card or prepaid card

CapitalOne has baited me with the offer of {$300.00} cash back if I spend {$500.00} in 90 days with a credit card 3 times. Each time I apply for this card they deny me, which hurts my credit rating, and then in the denial letter make me a lesser offer with another card. No cash back but zero percent for a certain time period. This is a classic bait and switch operation. In the mean time, since my credit is very good I opened credit cards with several other banks because of their cash offers. My credit is very good and they should have made good on their offer. I have fallen for this bait and switch offer 3 times and they deny me the bait card and offer me the lesser switch card after the denial. I want to see them fined and I want them to stop using this practice. If they are going to offer it they should make good on their offer. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Bureaus were notified. 
Navy Federal Account Number:XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX I was in the process of obtaining a copy of my credit report, once it was received, I came across accounts that wasn't recognizable. I'm requesting a removal of this account based upon the CFPB/FCRA act. These accounts were sent to all agencies that hold these accounts. I requested removal for all to be removed, due to inaccurate reporting. The balances from each credit bureaus should report the same amount, and none of them match.
Product: Debt collection

XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database . Please delete this collection from my credit report.
Product: Credit reporting or other personal consumer reports

During a review of my credit, I noticed multiple unauthorized inquires. I had not authorized any of the listed companies to conduct inquires on my behalf. There are multiple inquires on XX/XX/year>.
Product: Debt collection

XXXX XXXX is trying to collect on a debt we're working with our timeshare to resolve. They need to return the debt to the original creditor. We've requested it twice and they are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, While I was in probate somehow fay servicing sold his home at a Sheriff sale, Even though XXXXXXXX XXXX mortgage was paid, This has been an ongoing situation for over 18 months, Hired an attorney no cooperation, Also dealing with investor XXXX XXXX, from banking and insurance, but again not getting Answers, house now Going up for sale,, Time is of the essence Time is of the essence, This needs to be Rectified, it is happening to hundreds of people, same story same situation
Product: Credit card or prepaid card

On XX/XX/XXXX I decided to make a purchase of some dresses for my wife and used PayPal for payment.The seller told me that I will receive my order within 2-6 days, now is telling that I will receive it no less than a month or 45 days. accidentally l checked the invoice the shipment coming from XXXX XXXX it is an XXXX store. I can not wait so long for several XXXX products.so I am disputing this transaction, I don't like lying. And I do not want t pay for a products that I don't wear. Just in the invoice please check the website but I was told that it is a local store a little far from XXXX  XXXX of all the seller send the shipment after I made a dispute. My wife ordered from the seller some goods like clothes etc. from website https : //envofashion.com where the average price is {$50.00}, I paid {$370.00} Calculating I supposed t get 6-7 items and I supposed to get a medium or big box, instead I received an envelope 7 by 4.5 inches where the seller could fit no more as a postcard. The seller decided to send something via USPS and through tracking number USPS can decide that I received the shipment and Paypal closed the case to seller 's favor. Please ask the seller how much is the weight of the envelope.Just in case I attached the envelope to compare with XXXX size paper.The envelope came from XXXX, GA. Also the shipment came from a company XXXX XXXX, I googled and found their XXXX page https : //www.facebook.com/search/top? q=Jewelry % XXXX where they sell jewelry and whatches worth $ 10-20.couple of those could fit in the envelopei paid XX/XX/XXXX the shipment appeared on XXXX after i started the dispute and i am not sure what is in the shipment. if it is what i ordered i will cancel the dispute. Theseller reported somg government agency. I am requesting from Paypal and the seller to provide me any type of explanation to what was in the envelope, otherwise the seller 's only response was Tracking info provided by XXXX XXXX XXXX which is I XXXX Shipped by Other .And the buyer received the shipment, which is an envelope. Not PayPal not the seller don't provide me with any serious information to response, only threatening that there is a report somewhere. But in reality this is becoming internet fraud, because paying {$370.00} and getting an envelope with a postcard where PayPal is involved too, because the transaction was done through PayPal, which is reviewing seller 's information two weeks, usually it takes 5 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.
Product: Credit card

On XXXX, I gave my debit card to a XXXX a lady to withdraw {$1000.00}. The location of the bank of america business center is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca. She asked me to enter my pin. I did and the machine read approved. But the tele did give me the funds. She asked me to go and is the atm. I refused. I went home and called the fraud department. A new debit was issued to me. But I never received my {$1000.00} until today. I filed multiple disputes to no avail. On XXXX, I found out my signature was placed on a claimant statement and someone filed a claim without my permission. 
In addition on XXXX, {$1000.00} was taken from my debit card in a XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX. I gave the XXXX a lady my debit card. I entered my pin. The machine reads approved. But this tele did not give me my {$1000.00} too. When I asked to talk to a supervisor, I was told no supervisor is available. I was told to use the atm machine by a male banker. After I entered my pin. I never receive my {$1000.00} cash. After I complaint, One lady told me that their atm machine has been giving them a lot of problem. I went home called the fraud department. A new debit card was issued but I never received my {$2000.00}. Also, there were unauthorized transactions on my debit card without my authorization. Their research department refused to honor my claim that I did not get service for these transactions.
Product: Student loan

I was given extreme interest rates and refused to have my early childhood education loans forgiven. Also placed on a interest bearing forbearance plan which I could not afford
Product: Checking or savings account

Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : MD Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner I deposited a check from my account the check had my old account number on it. and the bank placed a fraud alert on my account. I told the teller that My dad XXXX and I had to close our joint account but I still had an account there. they flagged my account and closed it. I owe no money. I brought in my dads XXXX XXXX and our close account information along with my pen account information and they refused to reopen it. or remove the flag.
Product: Debt collection

I opened up a bestbuy credit card in 2011 an in doing so they said I signed up for a debit protection plan. When I signed up all they had me sign was a electronic pad that only had a signing box nothing telling you what you were sighing for so you were at the employees mercy to what you were sighing for and he told me it was just for the credit card and reward card. Nothing about a debit protection. My bad but when I got the bill I just payed it and did n't look at the statement. Then my wife seen it and seen that there was a XXXX $ fee it just said fee nothing about what it was for so I called and they said it was a debt protection plan. They took XXXX $ out for 4 years which means they scammed XXXX $ from us. They said I signed it and sent me a copy but once again I had only the employee to tell me what I was sighing for and I googled it and many others had the same issue and said that the employee would get a XXXX $ commission to sell this so they were not enclosing what you were sighing for. By the signature I sighed when they sent a copy to me it said debt protection but no amount for the fee to be charged and the people on line all were paying different amounts. What do they fraud you into sighing this and then get to pick a amount for the fee out of a hat. I have contacted them many times and still no answer to that question. They keep saying they will not refund our money. I feel this is fraud at its best which makes me mad because we have been a loyal customer for many years and we trusted them to look out for our best interest. Why would we sign up for a interest free card and sigh up for a debt protection fee of XXXX $ on a XXXX loan? Please help us this is a lot of money to my family.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 

XXXX XXXX Child Support Account # : XXXX XXXX XXXX Child Support Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Debt collection

On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is CAINE WEINER for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : CAINE WEINER for {$100.00} opened XXXX XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY  RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

This debt was not mine. I have never had XXXX XXXX. Not to include, I was out of the country in XXXX
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$3100.00} from Vance and Huffman Llc is valid. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.
Product: Debt collection

I HAVE PAID XXXX XXXX THE AMOUNT THAT I OWED ENABLE TO REGISTER FOR CLASSES! WHEN I RECEIVED MY CREDIT REPORT IT SHOWED THAT THE DEBT COLLECTOR ( CONSERVE ) HAD AN AMOUNT THAT WAS PAID FROM XXXX WHICH I AM NOT AWARE OF THE DEBT COLLECTOR. THIS IS FALSE AND I NEVER PAID A DEBT COLLECTOR I ONLY PAID XXXX NOT CONSERVE! I AM NOT AWARE OF THIS DEBT COLLECTING COMPANY AS I SORTED OUT WITH XXXX AND PAID XXXX!
Product: Debt collection

I have no consent or knowledge of this account ( s ) Verbal abuse over the phone, threatening tactics.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

contacted Navy Federal in Early XXXX to confirm travel notification and that my credit card with " no foreign transaction fees '' will work during upcoming trip to XXXX. 
was told it will work, and to put the alert on via the website. did so for both the credit and debit cards. 
the debit card has a foreign transaction fee. 
the credit card will not work. 
i have tried numerous times to contact navy federal while abroad, and they tell me they can not assist me because there is a country sanction from office of foreign asset control. 
why does one card work, and not the other. 
why is it the card with foreign ttsnsaction fees that works, and not the other. 
it feels as though they are steering transactions towards the card with higher fees.
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase with XXXX using my Bluebird American Express card. I was double charged for the amount of {$170.00}. 

On XX/XX/2021 I went to XXXX. I went to pay using my Bluebird American Express card. My bill was {$130.00}. I was unable to use my Bluebird card. It said that it was " unable to process ''. It was not declined. I had to use my Visa debit card to pay for my bill. I was unable to check my app to see what was going on, also customer service was unreachable. You were greeted with a message saying " due to high call volume no one was able to take your phone call at this time ''. Really? My money is unavailable. And no one can take people 's phone call? 

I was able to finally log on to my app at XXXX. I was ENRAGED to see I had a XXXX DOLLAR balance. I was charged by Bluebird {$150.00}, and charged again {$140.00}. My charges say " ON HOLD ''. 

I thankfully do not ever use this account. However, this is disgusting. I can not reach anyone at this company. I called the main number to American Express a few times, and I called XXXX twice for my money back ( they said I have to call the card company ). I waited on hold for one hour to get through to someone, explain my situation, tell them I want the charges reversed to get my money back TO GET LAUGHED AT AND HUNG UP ON. I would like an answer, I would like my money back, and I would like this company prosecuted!!