23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX while in XXXX, XXXX, my family and I rode in a XXXX as a taxi ride. When we arrived, I was told that the fare was XXXX euros. The driver took my card, tapped it, and stated it didnt work. He showed me a failed screen and asked for another card. I did not have another one, and thus he argued with me but took cash from me and drove away quickly and angrily. I was not provided any receipt. I then logged into my Chase credit card account to see why it was declined. Thats when I saw a charge of {$3200.00}. I immediately called chase to alert them of the fraudulent charge and they did a chargeback. After about a month, they recharged me saying the merchant provided proof of the purchase. I re-disputed the claim to no avail because I do not have a receipt to prove I was incorrectly charged, as there is no way for me to get that receipt. A charge of {$3200.00} is extremely out of character based on my buying history while I was abroad, and they did not think it was suspicious for a {$3200.00} taxi ride and prevent it from going through. Chase bank is extremely dangerous to consumers if something happens to them and I strongly advise everyone to stay away from them at all costs. This is after having my card account hacked 3 times previously and then actually sending new cards out to unauthorized users.
Product: Checking or savings account

All of the money in my chase checking account was stolen by an unknown account via chase quickpay on XX/XX/2019. There were two unauthorized transactions under my brother and sister 's names but they were not recognizable email addresses. It seems like my chase account got hacked. One transaction was for {$1100.00} and one for {$87.00}. I was asleep when this happened and only found out about it when I woke up because of a notification. My brother and sister confirmed that it was not them and they did not receive any money in their accounts. I tried calling chase but they would not help me and were not able to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXl is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$780.00XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$7300.00} XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company that have appeared on my credit repot by the name of AMERIFINANCIAL SOLUTIO XX/XX/2022 In the Amount of {$1100.00}. I am lead to believe there real name is American financial solutions
Product: Student loan

On complain XXXX I asked MPower to clarify why I got a hard enquiry on my Credit Report. They send information about the date, but not about the hard inquiry. I have never requested a hard inquiry to be made on my Credit Score.
Product: Credit reporting or other personal consumer reports

I recently visited my doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The errors are as follows, US DEPT OF EDU account # XXXX Payment status COLLECTION for XXXX. The payment status is incorrect. This account was under the CARES ACT Pandemic Payment Forbearance during these dates and payment was refused.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately, they informed me recovering my lost funds was impossible to recover and the tracking of these transactions was unfeasible. XXXX stated that zelle not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumero safety.
Product: Payday loan, title loan, or personal loan

Before I filed bankruptcy in XXXX, I called Rabobank ( name at the time ) now has changed to Mechanics Bank accounts department, to let them know I was filing bankruptcy. At the time I had a credit line overdraft on my checking account which I owed around {$500.00}, never paid late always on time. I asked them what was going to happen with the credit line would I loose it with filing bankruptcy they indicated that I wouldnt loose because it was a part of my checking account. I then never added it to my bankruptcy which discharged in XXXX. I had no problem after paying on overdraft and it still remained open then in XXXX I got a letter in mail from Rabobank at the time telling me they closed my overdraft and said it is a account added it to right then in XXXX to my bankruptcy. I went in to bank and called several times talking to managers and account specialists trying for them to tell me how they can add my overdraft account to a already XXXX discharged bankruptcy for which was not a added account to it and they couldnt give me any answer. Then I asked for them If I could apply for another overdraft Account and told me they couldnt and the old overdraft that still had a balance on for which I was still paying down at the time payments couldnt be reversed, 4 years Ive been dealing with this and now still in XX/XX/XXXX it shows it was a late payment which I was never late and a hard inquiry for some reason. Please if you can figure this one out on how a bank can add my overdraft account to a already discharged bankruptcy after the fact and I didnt add this account to it at time of filing is my question?
Product: Debt collection

Received a text from Prime recovery on XXXX XXXX XXXX " you'll rcv acct msgs from prime recovery debt collector # XXXX msg & dataratesmayapply. XXXX XXXX XXXX XXXX XXXX XXXX to optout reply stop '' Replied " stop '' on XXXX XXXX XXXXXXXX Received the exact same text at XXXX on the same day followed by 2 more texts " Thank you! You will no longer receive text messages to this telephone number. '' and " Prime Recovery Debt Collector : You have successfully unsubscribed and will no longer receive text msgs. '' XXXX at XXXX received " XXXX XXXX this is XXXX with Prime Recovery regarding your account owing {$4200.00} we can have this DELETED from your credit report within a few days after you pay it off! Call XXXX or login at XXXX XXXX XXXX Reply STOP any time to unsubscribe. '' Replied stop at XXXX same day. 
Received the same 3 texts that followed the first stop. 
XXXX received " PRC is a debt collector login to your account or call. Reply stop any time to unsubscribe.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW recently stated here in a prior complaint -they offered to take the BMW reported erroneous credit history information off my credit reports. The offending information was taken off my XXXX and XXXX XXXX but not my XXXX. This failure to act on BMWs part shows BMW is in the business of harassing people who complain about them. 

XXXX  has helped facilitate this fraud along with bogus credit inquiries made for my credit report without permissible purpose authorization. These issues will become a separate complaint about XXXX business practices and vindictive nature too,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX

turned a bill over to LJ Ross Collection Agency. I never received any written communic ation via email or USPS. They have the bill at {$510.00}. They could not tell me the time frame that this money covered. I am not paying the Landlords bill if the coverage period is after we moved. I want this collection removed from my report and the opportunity to research resolve and pay the debt.
Product: Debt collection

Someone else bounced a check on my chase bank account for XXXX I had to pay for it and now have no idea how to get my SSI payments anymore because I'm banned and I don't have any id, they got my wallet. I also have a stimulus check I can't cash right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and consumer. EQUIFAX has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EQUIFAX violating my federally protected consumer rights.
Product: Credit card

On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.
Product: Mortgage

Good morning my name is XXXX XXXX, We satisfied our home equity line of credit ( XXXX ) with Wells Fargo on XX/XX/2019. Wells Fargo advised on a letter of satisfaction with seven to ten business days. The tenth business day concluded on XX/XX/2019. We contacted Wells Fargo on XX/XX/2019, we were informed the letter of satisfaction maybe in the mail. As of this notice we are awaiting the arrival of the letter of satisfaction for thirteen days. Give the history and reputation of Wells Fargo, we believe it is in consumers best interest to notify the Consumer Financial Protection Bureau of Wells Fargo business practices and in our best interest to seek assistance with obtaining the letter of satisfaction. Thank you for your time and consideration in this matter. We look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank with XXXX reported a tradeline/credit card on my credit report which I am disputing the validity due to the inconsistencies accross the credit bureaus. Account status is showing as 120 days at XXXX and XXXX while the only months reported lates are XXXX and XX/XX/2022, XXXX has an additional month of XX/XX/2022 as late which makes them reflect a 90 days late status. A mention of the account being paid is posted in XXXX while XXXX is showing as charged off and nothing but late for XXXX. 

The same situation applied to a Paypal tradeline on my 3 credit bureaus.
Product: Credit card or prepaid card

I did a 0 % balance transfer on XX/XX/2022. Since that date, I have paid more on the card than I have spent, yet I have been charged interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$49.00} in purchases and paid {$500.00} towards my balance and was charged {$.00} in interest. 
For my XXXX XXXX XXXX XX/XX/2022 statement, I had {$200.00} in purchases, paid {$200.00}, and was charged {$1.00} in interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$52.00} in purchases, paid {$650.00}, and was charged {$1.00} in interest I tried to get Chase to correct the interest rate charges but the company couldnt do that. I was told that the company decided how much of a payment to allocate towards my 0 % interest rate balance transfer and how much to allocate towards my purchases any given month. Because my purchases are fairly small on this card and I pay off a good bit each month- usually more than the purchases amount for the month- I should be accruing little to no interest. Yet, Chase has assessed interest on the purchases I have made. I have closed my account with Chase but fee that this is deceptive - people with larger balances and purchase amounts will think they are paying off the higher interest rate balance, but they are not.
Product: Credit reporting or other personal consumer reports

Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first. What would be a fair resolution to this issue?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit. They are being reported by a 3rd party that never got my authorization.
Product: Credit reporting

I sent in a copy of the police report from XXXX XXXX attesting to the fact I did not authorize anyone to open a XXXX Bank XXXX in my name. Experian, XXXX, and XXXX all agreed to block it. As of today, Experian has yet to do anything. I demand that this account be blocked in accordance with federal law.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my Consumer Report, I noticed that late payments on an account that I have paid on time. Consumer reporting agencies play a crucial role in reporting this type of important information with the utmost accuracy. It is imperative that information must be reported accurately. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX ( acct # : ). I request an investigation into this discrepancies and urge you all to provide evidence, such as statements demonstrating the lateness of these late payments. If unable to provide proof, I demand that these payments to be updated immediately to reflect their true status as on-time.
Product: Checking or savings account

I would like to complain about Wells Fargo. The response from the bank has been incomplete, misleading, and myopic. 
Wells Fargo has an ongoing promotion which the bank refused to honor. According to this promotion, a customer is supposed to receive {$300.00} for opening a new checking account funded a total of {$1000.00} within 90 days of opening the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, after I opened a checking account on XXXX XXXX, XXXX, Wells Fargo blocked this account under the allegation that something was wrong about my address or phone number. In fact, nothing was wrong, and my address information and phone have remained unchanged throughout this incident. However, my phone calls to the bank about the blockage of my account were useless until, on XXXX XXXX, XXXX, I went to a local branch, spoke to the manager, XXXX XXXX XXXX, and made a new deposit. Only then was the account usable, though the bank, perhaps because of the blockage, could not find my initial deposit which ultimately was returned to XXXXXXXX XXXX  from which the funds were drawn. I therefore had to make a fresh deposit on XXXX XXXX. 
I then made two {$500.00} deposits on XX/XX/XXXX, which clearly were within 90 days of having a functioning account. The issue thus is whether the 90 days should count from the time when I requested the account ( XXXX XXXX, XXXX ) or from XXXX XXXX, XXXX, when the blockage was removed and I actually was permitted to deposit the qualifying funds. Another consideration is that the banks loss of my initial deposit reinforces the fact that I did not have a working account until XXXX XXXX. 
There is nothing in the original offer about having less than 90 days to make the qualifying deposits if the bank makes a mistake or otherwise prevents the customer from using the account. I am inclined to think that the blockage of my account was just a ruse to deny me the promotional offer. I believe that Wells Fargo is engaged in an unfair, deceptive business practice : namely, luring customers to give the bank interest-free funds, but then withholding the {$300.00} bonus. 
If other customers are similarly denied the promotional offer under contrived circumstances, Wells may be facing another scandal, as when the bank was found to have opened fictitious accounts to meet sales goals. 
I believe that the bank not only should honor its offer to me, but be required to state how many other customers like me were denied an advertised promotion on the basis of manufactured problems solely under the banks control. 
Documentation is available on request, but the above-referenced dates and amounts have not been disputed. The dispute instead centers on implications of these facts. 
A minor issue in comparison is the cost of checks which I now can not use since, having lost faith in the bank, I closed my account on XXXX XXXX, XXXX. 
Email is the best way to reach me. Please do not send text messages to my phone, which is only for voice communication.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was denied a private XXXX loan due to a " serious delinquent XXXX loan '' showing up on my XXXX credit report. 
This is not possible due to my currently having an XXXX deferment. I also utilized the XXXX XXXX program so these loans, as per the XXXX, should have been reported as current, closed, and moved to a non-default lender. 
I pulled my credit report and found that it was XXXX. I also later discovered that XXXX is reporting as Delinquent on my Equifax report. 
From XX/XX/year> until now, I have contacted XXXX several times, The XXXX XXXX XXXX for the Dept of Education and XXXX, XXXX, and Equifax. 
I have uploaded documents to XXXX and made several disputes to both XXXX and XXXX both over the phone and online. Every single XXXX of them has said there is nothing that they can do about it. I have even had to explain what currently delinquent means, and how it makes no sense that I could be currently delinquent. I have shared your documents with them regarding problems with reporting illogical false information. The account is closed. How can it be currently delinquent? 
I have a particular problem with XXXX and their dispute/investigation process. 
It is difficult to get any information on an open dispute which has led to sending in multiple disputes, and trying to determine if they received it is onerous. Being alerted that there is a change to your report feels like they are simply trying to get money from me. It is like credit reporting agencies make money by making changes to your report or keeping you in the dark for you to pay for a subscription or pay to refresh your credit report.

Their entire dispute process seems to be slow and illogical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance Experian shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history XXXX shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?