23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a XXXX balance on this card so when I traveled to XXXX XXXX on XXXX this is the card I chose to take. I knew that I had a cash limit of {$400.00} when I paid the card off in XX/XX/2023. I also checked the XXXX statement before I left and it also shows {$400.00} available. Once in New Jersey I kept getting declined for cash. I called customer service and the first person was no help. I asked for a supervisor and she stated that she couldnt see why they lowered the line. I advised that I didnt even receive a notification stating that it would change and thats bad customer service. The line hung up on their end so I called back. Got the second person and she too couldnt see why it was decreased and basically there was nothing they could do about it. That line hung up as well. When I called back I was upset. Got a third supervisor and she was the most helpful even there couldnt help. They can show you my record. Ive never had an issue with paying my card and I hasnt used it for a few months prior to this trip. I feel like I was unfairly singled out and if they dont make it right I will reach out to their HQ.
Product: Money transfer, virtual currency, or money service

I purchased two reload it cards from a XXXX store about two weeks ago. One for {$100.00} and another for {$80.00}. I tried loading them to a prepaid card but it keeps giving me an error message, when I reached out to the company for help they claim there is no known issue they can see but simply its my fault because I triggered a fraud alert which blocked the transaction. After waiting another week which was their instructions I tried it again and yet again I got the same error message. I tried loading a different pre paid card thinking that may fix it. Nope no different no matter what I do the transaction wouldnt go through. I tried having the company refund me the amount I loaded onto the cards but they are requesting the receipt used to purchase the cards, the actual reload it card, and a photo id. I do not have the receipt anymore because it was so long ago so they refused my refund. This seems completely wrong because I have the card stored on their reload it safe they call it so I obviously have possession of that money so there should be no reason they should refuse me a refund.
Product: Debt collection

Portfolio Recovery/ fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because Portfolio Recovery/XXXX is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.
Product: Checking or savings account

Navy Federal Credit Union is my checking/deposit account. Credit card is XXXX XXXX. 

XX/XX/year> - received mileage reimbursement from work- {$290.00} ( balance {$290.00} ) XX/XX/year> - paid credit card- {$290.00} ( balance did not change - showed {$290.00} ) XX/XX/year> - automatic withdrawal for XXXX grocery delivery - {$9.00} ( balance {$280.00} ) XX/XX/year>- waited for balance to settle and resubmitted credit card payment for {$270.00} ( balance still {$280.00} ) XX/XX/year> - received a returned check fee - {$29.00} ( balance XXXX ) XX/XX/year> - XXXX XXXX subscription automatic withdrawal- {$5.00} ( balance XXXX ) XX/XX/year> - received returned check fee - {$29.00} ( balance {$210.00} ) I called XXXX XXXX with whom i have had an account for nearly 10 years and never had an overdraft fee. I explained what happened and that the second charge should have been not counted due there being sufficient funds if there was no overdraft. XXXX XXXX agreed to remove XXXX of the returned check charges. I asked them to remove the first one which would mean that I would not have received a second charge.
Product: Credit card or prepaid card

My Chase card was charged for services that were never provided by XXXX XXXX XXXX XXXX XXXX ) travel company. I have contracted my Chase card representatives many times since XX/XX/XXXX when I discovered that XXXX would not be providing services I had paid for previously. Chase continued to deny reimbursement and although they SAY they contracted XXXX, that is impossible since XXXX has gone into liquidation and lost all funds belonging to customers. 

Date XXXX was paid {$1300.00} for services with Chase card : XX/XX/XXXX Date I learned XXXX would not provide services ( for XX/XX/XXXX travel ) : XX/XX/XXXX Date I contacted Chase : XX/XX/XXXX Date I received final denial from Chase XXXX XXXX : XX/XX/XXXX Chase DOES promise to honor claims for FUTURE travel yet has failed to do so. 

I have held this credit card since the early XXXX 's and am a loyal and good customer. 
Travel was illegal for over a year during pandemic so I could not use travel services I had paid for. Chase claims that the 540 day limit for claims still applies. I know that many card holders, INCLUDING Chase XXXX XXXX customers in my same situation have received refunds from their credit card company. Yet my Chase XXXX XXXX card continues to deny reimbursement.
Product: Checking or savings account

In XX/XX/2022, I received a promotional offer from Chase offering {$600.00} if I opened a checking account and arranged a direct deposit of at least {$500.00}, and also opened a savings account at the same time depositing {$15000.00} in that savings account, and maintaining that balance for at least 90 days. On XX/XX/2022, I opened both a checking and a savings account with Chase, and deposited {$15000.00} in that savings account. On that same day I also directed my monthly Social Security benefit of more than {$500.00} to be directly deposited into my newly opened checking account at Chase. The Chase employee who assisted me in opening both said accounts confirmed that I had 90 days to set up a direct deposit into my checking account. A couple of months later I found out that Social Security was unable to follow my instruction to directly deposit my monthly benefit into my new Chase checking account because Chase had closed my new checking account 2 months after it was opened. 
In spite of following all the requirements that Chase listed on their promotional offer, and due to Chase 's own action of closing my new checking account before the direct deposit was completed, thus preventing this transaction from occurring, I have not received the promotional offer of {$600.00}.
Product: Debt collection

Just a few few minutes ago, I received a phone call from XXXX XXXX the person on the phone was attempting to get my social security number. When I refused she hung up on me. I called the number back to learn it is XXXX, XXXX. They are requesting I send them {$800.00} on a debt I dont believe I owe. The debt is from 2021 and I am sure has been charged off. I asked them to mail me something in writing but the person kept insisting on having my email. I refused. I believe this item has been charged off
Product: Debt collection

On XXXX XXXX, 2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Equifax with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. I contacted experian and they stated that there was nothing that I could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. 
I had a discover card around XXXX and missed two payment because my bank account was in overdraft in XXXX and XXXX of XXXX. These late payment occurred to the financial hardship that I had as a college student. Therefore, I would like to know if they could be removed. 
Thank You, XXXX XXXX
Product: Debt collection

There is a company called " Carter-Young Inc '' , reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of 2021. Also, I sent a validation letter to this account on XX/XX/2021. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter and they have had plenty of time to fix this problem but still haven't.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX, 2021 I did a money transfer using the Western Union XXXX to send ( {$500.00} US ) from my XXXX XXXX  account to XXXX. Having completed the transaction, I received an email from Western Union to say that this transaction is on hold and I will hear from them in shortly. I subsequently received a call where the representative told me they will follow up with an email. The follow up email stated that I need to submit my bank statement for XX/XX/2021. Having got that email, I decided to call and request a refund. I did call and requested the refund. I was advised by the representative that I would see the refund between 5 to 7 working days. Since I called on the Friday, the 7 working days I assumed would be XX/XX/2021. The money was not refunded. I called my Credit Union ( XXXX ) the following day to file a dispute claim. I heard from my Credit union on XX/XX/2021 to inform me that they are not able to do anything. I then called Western Union. I spoke to another representative who advised me that I would need to submit a government ID in order for the refund process to begin. I subsequently received an email explaining this. I reply by sending the email. Since that I still have not received the refund. I decide now to request the assistance from CFPB in received my refund from Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Mortgage

I am writing in response to the adverse action taken by DSLD MORTGAGE regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan. 
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXXI suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Product: Mortgage

This is my second complaint which is actually an addendum to the first. In my first complaint, I provided proof that Mr. Cooper aka NATIONSTAR changed my mortgage payment and stating that due to their error is escrow assessment, they lowered my mortgage payment and paid me an overage of {$10000.00} that I gave back them to pay the true taxes due to XXXX XXXX based on AV. Mr. Cooper is using their ability to pad my mortgage with extra money under RESPA. I looked today to see had they updated my mortgage payment and they have not. I also just found that Mr. Cooper has not paid my SEWER BILL which is part of my taxes since XXXX of last year. The account is extremely delinquent. They paid this bill initially and simply stopped. See attached from XXXX XXXX XXXX XXXX 's Site. 
So not only is Mr. Cooper overcharging me for my low escrow account they are NOT PAYING THE TAXES EITHER PLEASE INVESTIGATE THIS, THIS COMPANY IS OVERCHARGING ME, LYING TO ME EVERYDAY PRETENDING THEY ARE HELPING ME WITH A FHA STREAMLINE LOAN WHICH NEVER HAPPENED AND I HAVE PROOF THAT I PAID EXTRA MONEY INTO THE ESCROW AND WAS ADVISED BY THEIR REPRESENTATIVE TO STOP PAYING EXTRA MONEY INTO THE ESCROW MEANWHILE THEY EXPECT ME TO PAY {$4900.00} AS MY PERMANENT MORTGAGE PAYMENT WHEN I STARTED WITH THIS MORTGAGE IT WAS {$3600.00} DOLLARS AND THEY SAID I HAD AN ESCROW OVERAGE AND THEN CHANGED MY MORTGAGE PAYMENT TO {$2800.00} AND NOW I HAVE AN UNDERPAID ESCROW ACCOUNT. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names are inaccurate All those other spellings are inaccurate. XXXX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX  XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Barclays credit card selected the charges for our Property Taxes to the XXXX County Treasurer IN ERROR AND ARBITRARILY as a disputed charge ( original charge posted XX/XX/XXXX for {$1900.00} ). I never disputed those charges. I have asked for the dispute to be provided to me, and was told that there is not one. Barclays initially paid the County Treasurer for those charges, and then on XX/XX/XXXX the amount of our property taxes ( {$1900.00} ) was charged back to the company that processes payments for the XXXX County Treasurer - XXXX XXXX XXXX. WE WERE NEVER NOTIFIED OF THE CHARGEBACK, OR CREDITED BACK FOR THAT AMOUNT. I called Barclays customer service twice after receiving the delinquent notice for our property taxes and was assured that the charges had been paid and that nothing was amiss. 

Only after numerous emails and phone calls with the credit card processing company, XXXX XXXX XXXX and the XXXX County Treasurer and after finally receiving a copy of the actual chargeback, was I able to get someone at Barclays to research this chargeback further. 
I was then told on XX/XX/XXXX by Barclays fraud department, that for unknown reasons the amount of {$1900.00} was classified as fraudulent and charged back to the merchant XXXX XXXX XXXX. At that point I was assured by XXXX ( the lady I spoke to at the fraud department ) that the charge back to XXXX XXXX XXXX will be reversed and that the payment will be received but it might take 30 days for the process to be completed. 

On XX/XX/XXXX I faxed a letter to Barclays office of the President explaining this situation, after talking again to Barclays customer service department, as we were still accruing late charges on the overdue payment after XX/XX/XXXX. Customer Service Case # XXXX, executive case # XXXX. 

My case was assigned to a lady at the office of the President who has credited my account for the late charges we accrued up to XX/XX/XXXX ( {$240.00} ), but has made absolutely no effort to help me in making sure the payment of {$1900.00} has been submitted to XXXX XXXX XXXX, as I was told, so our Property taxes are paid. My phone calls are not returned, they have not provided me with a tracking or confirmation number for the payment, even though I have left messages letting them know that the money has not been received. There has been no follow up, no written communication, or reply to my email to the Office of the President. 

After many emails and phone calls with the merchant XXXX XXXX XXXX, I was informed on XX/XX/XXXX that the payment has NOT been received. And no credit has been given to my account for the amount of {$1900.00}. I have already paid Barclays for the charge on my credit card for that amount ( that was charged on XX/XX/XXXX ), as our credit card balance is paid in full every month. 
It has now been 37 days since the chargeback was supposed to be reversed and 50 days since Barclays Bank has had my {$1900.00} and has not returned them, even though they have acknowledged this has been their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Updated : XX/XX/201XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXX  Balance Owed : {$3600.00}
Product: Vehicle loan or lease

MY CAR WAS IN A ACCIDENT WITH TOTAL LOSS.THERE WAS A REMAINING BALANCE OF XXXX AFTER INSURANCE COVERED THERE PART.My gap insurance is refusing to pay that balance due to me extending payments in back of loan due to covid.They stated the goverment didn't help them.The bank didn't charge me late fee 's, and did not consider me late .Please help me