23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I noticed {$500.00} missing from my checking account through a XXXX transaction, so I immediately contacted the bank and made the claim. Then the next day I had went to the chase closest to me to talk to a banker who also called the banks online services and claims department who informed me that the claim was immediately closed just 1 day after I made it. So I then called XXXX and chase again trying to appeal the claim so that I can finally get more information on the case but they wouldnt go any more further through to help me out in my time of need. I called again today ( XXXX XXXX  ) to talk to the claims department supervisor to get any information that I can keep record of in case I wish to build a case, but she denied every question that I asked even though I was provided the same information before but failed to keep record of.
Product: Credit card

I opened a Belk Department store credit card in the summer of 2014. When I got my XXXX statement, I immediately went to the Belk credit card website to set up an automatic debit of the full payment on the date it was due. My subsequent monthly statement was successfully debited on XXXX/XXXX/2014. Shortly thereafter I could not find my credit card and requested a replacement. 
My next purchase with the Belk credit card was an on-line purchase for {$83.00} on XXXX/XXXX/2014. I received no Belk statements during the next two weeks and left the country and did not return until mid-December. As had been set-up for automatic debits with Belk credit for the full payment, and as my other credit cards had always transferred draft authorizations to replacement cards cards, I was not concerned about the payment. 
I returned from my trip to find several Belk credit letters waiting. I called immediately and Belk, unlike most other credit cards, does not transfer debit authorizations to replacement cards. Nor do I recall that the replacement card packet provide any warning to update bank debit authorization for payments. I called Belk credit on XXXX/XXXX/14 and made a {$100.00} payment by phone. I cancelled the Belk card shortly thereafter. 
I forgot about the Belk incident until I received my credit report from XXXX. Since I always set up automatic drafts, every XXXX of the other credit cards show full balances paid on time. My XXXX XXXX XXXX card goes back XXXX years. My XXXX card sent me a notice that my Penalty Annual Percentage rate will be increased to 29.24 %, and the Penalty will be in effect for 12 months. As I pay the balance in full, this will not have a material effect on my finances. However, the impact on my credit reputation is immeasurable. My years of consistent monthly credit payments have been negated. Belk Department stores has trashed my reputation ... for an {$83.00} purchase. 
On the other hand, I discovered a fraudulent transaction for {$200.00} on XXXX/XXXX/2014 on my XXXX credit card. XXXX sent me a card with a new number and transferred the monthly draft to the new card automatically. XXXX did not think to ask me and I also did not give it a XXXX thought.
Product: Debt collection

I am writing to formally dispute the validity of the information being reported under the referenced account ( XXXX ). The reported account contains fraudulent information and does not reflect any authorized or legitimate activity on my part. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported to consumer reporting agencies must be accurate, complete, and verifiable. I have made multiple attempts to address this issue, including providing all requested documentation and supporting evidence via fax, which proves that this account does not belong to me. 

Despite my efforts, my dispute was denied due to an alleged lack of information. However, I have fully complied with all requests and provided sufficient documentation to validate my claim. 

The failure to properly investigate and address these inaccuracies has caused significant harm to my credit profile and financial well-being. I am requesting immediate action to : Fully investigate this dispute in compliance with the FCRA. 
Remove any inaccurate or unverifiable information associated with this account. 
Provide written confirmation once this issue has been resolved. 
Please treat this matter with urgency and ensure that my rights under the FCRA are fully upheld. I expect a written response within XXXX  days of receiving this letter.
Product: Debt collection

I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.
Product: Credit card or prepaid card

I had a Capital One Quicksilver card with a 0 % promotional interest rate which expired in XXXX this year. I carried a large balance, paying somewhat more than the minimum each month. Neither the statement dated XX/XX/XXXX nor the statement dated XX/XX/XXXX said anything about the end of the promotional period and the need to pay off all charges to avoid interest, but knowing that the promotional period was ending, I paid the entire amount by the due date for the XXXX statement, XX/XX/XXXX. I was shocked today on my online account to see an interest charge of {$150.00}, dated XX/XX/XXXX. I called customer service and the agent I spoke to agreed with me, saying he would have assumed the same as myself, that paying off the balance by the due date would avoid interest charges. I was on hold for about 10 minutes, during which he spoke to his superiors, but the response was that the promotional period ended earlier in XXXX, I was responsible to know that from the documents they sent me in XXXX of 2018 ( even though no statement since then provided that information ), and they would not waive the interest charges. I asked to speak to the person the customer service rep spoke to, which wasn't possible. So I spoke to a supervisor who simply repeated that information. I closed the account. 
However, I still have the {$150.00} charge on the account and I presume if I don't pay it there will be late payment fees, etc. 
I have had credit cards with promotional rates from other companies. In every case they have provided clear information in the statements about when balances must be paid off to avoid standard and deferred interest. Without such information, the monthly statement at the end of the promotional period is quite misleading. 
Consumers should be able to know that, in the absence of other information in the statement, if they pay off the balance by the due date there will be no interest charges or fees.
Product: Credit card

Subject : Urgent Help Needed with Unresolved Merchant Dispute - XXXX XXXX. 

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am writing to seek urgent assistance in resolving a merchant dispute that I have been experiencing with XXXX XXXX through my Chase credit account. Despite my repeated efforts to resolve the issue, the merchant has been completely unresponsive and has not made any attempt to address my concerns. 

The transactions in question appeared to have taken place through the XXXX XXXX function. It is important to note that during this period, my XXXX ID was flagged as compromised, along with my XXXX email address, indicating potential security breaches. 

Furthermore, I have not physically received any products or services from XXXX XXXX, making it impossible for me to return or work out any resolution for items that were never in my possession. Additionally, I am puzzled by the fact that transactions exceeding a XXXX dollars did not require a signature from myself, which seems highly irregular for a legitimate merchant. The lack of documentation or verification raises concerns about the legitimacy of these transactions. 

The situation has been exacerbated by Chase 's handling of the matter, as I have been continuously transferred between the fraud and disputes departments. The reason for this confusion is that the merchant claims to have a shipping tracking number for merchandise that I was not expecting and did not authorize. I have not received any such merchandise, and I am now facing difficulties in getting this unauthorized transaction resolved. 

I kindly request your intervention and support in facilitating a resolution to this matter. I have diligently followed all necessary steps to address the dispute, but the lack of cooperation from XXXX XXXX and the challenges faced with Chase 's internal processes have left me in a frustrating predicament. 

Your prompt attention to this issue would be greatly appreciated, as I am eager to have this matter resolved as soon as possible. Thank you for your understanding and assistance in advance. 

Sincerely, XXXX XXXX
Product: Debt collection

Claims to be XXXX XXXX cant even get my name right calls all day and everyday
Product: Debt collection

I seen that on my XXXX XXXX account that my score went down by 88 points due to a Eos Cca ) XXXX? From XX/XX/2018? I have no idea what that even is.. I have not apply for anything or nothing..only bill I have is a car payment! I just had a credit repair company fix my credit!!!
Product: Debt collection

I told these people to stop emailing me leave me alone I dont owe anything the school screwed up. I just got text messages from them. I dont understand when I tell them not to communicate they continued to harass me
Product: Student loan

XXXX : made phone call to Mohela to see why loan forbearance was discontinued and way payment was due when no information was received on progress of teacher loan forgiveness. 

XXXX sat on phone for over 100 minutes waiting on them reviewing my account and telling me what the status of my loans was. They kept placing me on holds. Told me my school wasnt on list of qualifying schools and that the chief of school districts should have know. School is on the list located at student aid.gov XXXX customer service representative turned on automated hello I cant hear you and hung up. 

Issue was not resolved.
Product: Debt collection

My name is XXXX XXXX, and I recently discovered a fraudulent Capital One account ( account number XXXX ) on my credit report. I did not open this account, nor did I authorize anyone to open it on my behalf. I have no knowledge of this account and have never received any statements, notifications, or collection attempts related to it. 

This fraudulent account has negatively impacted my credit, and several laws protecting my rights as a consumer and identity theft victim have been violated. 

Laws Violated : XXXX. Fair Credit Reporting Act ( FCRA ) : The inclusion of inaccurate and unverifiable information on my credit report violates my rights under the FCRA ( 15 U.S.C. 1681 ), which ensures that only accurate information is reported. The failure to correct this account upon my dispute would further violate FCRA requirements for credit bureaus to act promptly. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : If Capital One or any debt XXXX have attempted to collect on this fraudulent account, they may have violated the FDCPA ( 15 U.S.C. 1692 ), which prohibits the collection of debts not owed by the consumer.

3. Identity Theft and Assumption Deterrence Act : The opening of this account without my knowledge or consent constitutes identity theft, which is a criminal offense under this act ( 18 U.S.C. 1028 ).

4. Truth in Lending Act ( TILA ) : If this account involved the issuance of credit without my consent, it may also violate the Truth in Lending Act ( 15 U.S.C. 1601 ), which requires creditors to provide accurate disclosures and obtain authorization for credit transactions.

5. Gramm-Leach-Bliley Act ( GLBA ) : If Capital One or any involved parties failed to protect my personal information, this could be a violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), which requires financial institutions to protect the privacy of consumer data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXXXXXX XXXX XXXX  XXXX {$6100.00}. XXXX XXXX XXXX XXXXXXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Product: Debt collection

I had an arrangement with XXXX XXXX to make payment arrangements of {$25.00} bi weekly. I gave the gentleman my personal account information to where XXXX could take it out of my account, then weeks later I started receiving calls from collection agency I ask XXXX to not to contact me I worked arrangements out with the Hospital and she continue to call. I
Product: Mortgage

My mortgage was sold to Seterus in XX/XX/XXXX. I learned this when I went to make payment at XXXX XXXX XXXX and the teller could not process as the account was closed. I did research and contacted Seterus. Since, I have had nothing but a frustrating experience. While I made my XX/XX/XXXX and XX/XX/XXXX payments, I received a mortgage foreclosure package which was of grave concern! My payment for XX/XX/XXXX was made electronically on XXXX XXXX, 2016 in which I paid a XXXX dollar fee so it would be processed the next day. When I continued to see the monies had not been withdrawn from my account, I contacted Seterus. I was told they had not yet possessed the request. I could not understand why. I was told my account would show payment on XXXX XXXX. I checked my account again yesterday to learn this payment had not been withdrawn from my account. I called Seterus again this morning. I was told by my bank, XXXX XXXX, indicated there were insufficient funds. I was asked by Seterus to make a payment via phone. I stated I needed to followup with my bank. The Seterus representative asked if I were refusing to make payment. I stated that was incorrect ; I wanted time to clarify with my bank why they did not process the payment. Te representative was insistent she had to note my intent. I told her a payment woudl be made by the end of business today. I asked the exact time of close of business. I was told it is XXXX Eastern Time. I have since contacted my bank, XXXX XXXX, and there is NO record of an attempt to draw the amount due {$2400.00} from my account and it was verified that between XXXX XXXX and today, XXXX XXXX, 2016, more than sufficient funds were available. XXXX XXXX has given me a reference number as they are contuning to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian  seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$690.00} )
Product: Money transfer, virtual currency, or money service

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Crypto.com services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in this institution which is regulated.
Product: Debt collection

I had an XXXX XX/XX/2015 which should 've been covered by insurance. To date, I have not received a bill from XXXX fire dept or from the collection agency. I have also not received any phone calls. I went to get a car today and there is a collection on all XXXX reports which has dropped my score over XXXX points. The original creditor has not reached out to me neither has the collection agency. Now my credit score has been damaged as a result of their negligence.
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 violation 's.
Product: Checking or savings account

In XXXX  I filed a dispute for a XXXX transaction that did not go through for {$150.00}. 
I sent an email to the XXXX with the screen shots of the {$150.00} transaction that did not go through, but was deducted from my account. 

XXXX, refunded the {$150.00} on XXXX, but I was not able to accces the funds because Huntington had already forced closed my account. They felt that the dispute I made was fraudulent, per the fraud employee I finally talked to on Wednesday morning, XXXX. 
She tells me I have to go to a branch to get the remainder of my money. 

I find out when I get here, there was a dispute filed for {$150.00} ATM transaction. I did not file a dispute for that. But, Im assuming, because of that error in proper listening, it looked like I was trying to deny a {$150.00} ATM charge that didnt even exist! So the Disputes Employee messed me up. 
Now I have a flag on my name and credit and I cant get another bank account because of their error. 

Then Im in the branch trying to get my money, and Im waiting 20 minutes before Evey, the teller, comes back to me to let me know why its taking so long. I told her the fraud employee on the phone told me I could come and get my money, but she tella me they have to make sure I dont have any more fees to cover. 
What??? 
Not only has this bank hired incompetent workers that cause my account to get closed, but now I got ta waste almost an hour to get my money from yall. 
I have to mention last week, Thursday or Friday, the bank froze my debit card like 5 times. Claiming suspicious activity. The last time they froze/blocked it it was after XXXX so now I had to wait til XXXX The Next day to talk to anyone to get my card active. 

XXXX so XXXX right now. This is the second bank in two months that I have had to file complaints about. My dad just died. Having to go through this frustration doesnt make life any easier to live. 
This bank really sucks. 
I have been on hold now, after finally getting my money, for the last 20 minutes trying to get answers and clarification. All these phone reps read from scripts and dont listen! Dude Im talking to now, or better yet waiting for to come back online, asked me was I calling about my blocked card? I told him Im calling to get to the fraud and dispute line, and he kept saying I understand. But he didnt. 

I want my name cleared of the false dispute charges and I want a letter of apology for all of this frustration and XXXX  that this bank has brought upon me. 
I want the tapes from the call I made on XX/XX/XXXX  to make the dispute, checked and the email I sent to the dispute department found and investigated. 
This is unacceptable! 

I have attached the email I sent to the bank, and attached the two pictures of the failed and refunded transaction from XXXX. 

I filed the dispute before I knew that XXXX was going to refund me. Either way, it was not a fraudulent claim.
Product: Checking or savings account

My Direct deposit account for my check was deposited Into a account that I cant access because theyre claiming my employer didnt submit my information, and I cant activate it without the banks acknowledgment being in there system submitted by my employer and also XXXX XXXX where we can access our pay stubs shows they received the money on, On XX/XX/XXXX XXXX was payday for our company. The week ends on Thursday and our new week starts again and paychecks are Friday weekly.XXXX XXXX XXXX my net pay what is {$350.00} my gross earnings was {$420.00} check number XXXX since I didnt receive my paycheck on that date they said that it was because by the bank didnt work with their banks and or thats why I wasnt receiving it because it was an online bank or something so I switched my bank deposit information to a different bank but the money was has been deposited into the first account at my money network bank I gave originally for my direct deposit. Now Ive contacted the bank, my employers have contacted them and they are telling me that its my employers that have to enter in my name my Social Security number and my date of birth and Which if that were not true that they didnt have my information that I want to have been able to get through their customer service phone line because you either need your card number to access or your Social Security now when I do my card number call back tomorrow when I use my Social Security number it allowed me to speak go through and speak to a person and she kept telling me that I needed to contact my employer which theyve been working on this for the last two weeks and theyve gotten no response from this bank is the online banking the company I work for is an XXXX XXXX XXXX XXXX MI its XXXX XXXX XXXX  Also the checking number for this a check # is XXXX. I I have all the documents to verify on this information I just want to be paid or for them to release the money back to the employer because of what theyre doing is taking peoples money and not allowing them to receive it thank you very much
Product: Debt collection

Navient has a underhanded tactic of pointing me in the direction of forbearence rather than more affordable repayment options. Forcing me to pay more in the long run and never mentioning I have options that will work with my salary. They stated I missed payments in XX/XX/XXXX, when I did not XXXX until XX/XX/XXXX. They have ruined my credit and continue to steal money from me.
Product: Credit card or prepaid card

By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks.

This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.