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

I purchased an item online and within 10 minutes canceled the order. In XXXX my account was charged for {$70.00}. I contacted USAA to inform them that this charge is not valid and that the item was canceled. I was told a dispute was entered and a refund would be placed on my account. On XX/XX/XXXX my account had a withdrawal of {$70.00}. Contacted USAA and was told the transaction was valid and payment was rendered. I again explained that I didnt receive the item nor did I authorize a payment. I was told the dispute department made the decision and that they will contact me. I have not heard anything and only want this transaction reversed and money put back into my account. I also want USAA to stop pushing payments thru without contacting the consumer that a decision was reached. This happens often with this company and I have fought with them numerous times regarding issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXX XXXX South Dakota about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.
Product: Credit card or prepaid card

my stash rewards visa was stolen and used and the fraud was over 12000k and they rebilled it to my account there claiming XXXX XXXX  told them this was used at my store which i dont even own a store and thats why they rebilled it i filed a police report the report number XXXX XXXX police report phone number is XXXX and the officer is XXXX XXXX with district XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b it is illegal to report information on my credit report without my permission.

I have contacted Experian multiple times to dispute this inaccurate information and requested verification and correction. Despite my efforts, the credit bureau has not provided proof that these payments were late and has not updated my payment history to reflect the accurate status, Paid as Agreed, Never Late.

This conduct by Experian violates my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that credit bureaus must ensure the accuracy and completeness of the information reported. Furthermore, their failure to promptly and fairly address my dispute is in violation of : 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ) 15 U.S. Code 1666c - Prompt and fair crediting of payments
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 violations
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Mortgage

I applied for a mortgage loan ( # XXXX ) with Wells Fargo towards the purchase of my new home in XXXX, CA. My wife and I are both gainfully employed in high paying XXXX jobs and have impeccable credit scores in excess of XXXX. The loan process began in early XXXX and I submitted comprehensive documentation of assets including statements at that time. I have had a lot of trouble with the Underwriting team at Wells Fargo responding 10 days after I initially submitted my documentation of assets. The initial estimate of the payment ( including costs ) due at closing given to me was higher by around {$7000.00} from the final closing cost causing me to scramble and liquidate assets towards meeting this requirement. The Underwriter did n't agree to have this as a closing condition instead requiring me to liquidating my assets before approving the loan. On this occasion too the Underwriter took more than 3 days AFTER the liquidated funds reached my bank account to sign off her approval. After all the delay caused by the Underwriting team, my wife and I finally signed off on the loan documents after depositing the payment with the escrow company yesterday morning XXXX. The Wells Fargo underwriting team threw a curveball after the signing by insisting on a Section XXXX item ( broken duct indicated by the termite inspection team and not the home inspection team ) to be certified as not being a hazard as a condition to funding the loan. This was not a condition that either me as the buyer or the seller had mutually agreed to as part of our contract agreement. This was a total surprise to me and the sellers as it was never mentioned as a condition by either the loan consultant or the underwriter previously. If this was a condition, the Underwriting team should have indicated as such, prior to me signing the documents for closing. I understand that loan underwriting standards have become very stringent, but I believe that Wells Fargo 's underwriting team is acting out of malice towards me causing me and my family undue grief and trouble stemming from rescheduling appliance delivery, movers and cleaning crews. At this point I can not understand the reason why Wells Fargo 's underwriting team is putting up last minute hurdles towards the closing of my loan other than the fact I had declared myself as being of XXXX origin in my application.
Product: Mortgage

The mortgage company refers people to HUD if they need help at the beginning of the call. However, the agent makes it clear the government makes them do this. They dont actually accept help from the programs they referred me to. Instead they give me XXXX options sign new mortification increasing the payments and restarting the 30 years. Are they allowed to refuse help I was approved for. The only document that AHEAD needed was a loss mitigation statement and the Carrington representative insisted there was so such thing. How can they ignore this and ultimately force me into a worse financial situation. They want to foreclosure so they can have th equity.
Product: Credit card

Barclaycards wanted to verify my identity after I made a large purchase attempt with my Barclay Arrival Plus credit card. They demanded some very sensitive documentations, e.g. copies of SSN card, driver 's license to be sent. I sent those documentations to the address they provided and have n't heard from them for 35 days. I called in multiple times to try to solve this problem. But their customer relation team just rudely denied any alternatives and kept suspending my account. I tried to jump out of this frustrating mess by paying off all the balance on the account. And yes, they allowed me to pay them while keeping me from charging them. They are even going to charge the annual fee for the card that I ca n't use because they did n't allow a suspended account to be closed.
Product: Money transfer, virtual currency, or money service

To whom it may concern. 

My full name matching my passport XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPAl and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have to offer the promised service. I believe that I was deceived and scammed by PayPAl and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX  Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

The company PENN CREDIT CORPORATION is furnishing false and misleading tradeline information to the credit reporting agencies, specifically XXXX. I have never made any credit application to the company nor have I entered into any contracts with the company. Therefore, the reporting of the tradeline information is not 100 % accurate and must be deleted from my credit report. I want the company to know that they have a grave responsibility to ensure that reasonable procedures are taken to ensure that a consumer 's non public personal information is not obtained deceptively and that consent is given prior to obtaining. I am seeking to obtain redress and to be compensated for FDCPA violations as well. Any person in the business of collecting accounts is supposed to know the laws. Ignorance of the law is no excuse.
Product: Vehicle loan or lease

At the end of XX/XX/2019, I took out a Chase auto loan to purchase a new vehicle. On XX/XX/XXXX I made several calls in an effort to pay off the loan. I was told that I could only pay up to {$5000.00} per day by transferring funds through their website or {$9900.00} per day over the phone. I proceeded to do what was advised. Over the following week, every transaction I successfully made was reversed by the company a few days later with no explanation given. 

I ended up paying off the loan in full at a local branch on XX/XX/XXXX. Chase auto loans has charged me interest for the period of failed transactions and it has failed to provide an explanation as to why my transfers were not credited. My attempts to rectify this matter through the Chase Executive Office have also been unsuccessful. Their response has been that the routing number I provided was wrong. This is obviously incorrect, because I did transfer funds from a Chase account to a Chase account by phone. Chase had every opportunity to catch any errors and alert me. They did not. 

I have been told that Chase Auto Loans and Chase Bank are separate divisions, with systems that do not communicate with each other. This information was not given to me. The inability of Chase to process my payments has resulted in countless hours of waiting on the phone, additional interest charges, and a great deal of frustration. 

The accrued interest is not a significant amount in my case. But the practices of the company raises serious questions about what appears to be a practice of unfair interest overcharges. I request and hope that your agency will investigate the practices of Chase for the sake of customers who are in the same position as I am. I am sorry to say that Chase is no different from XXXX XXXX, and the sooner someone looks into their practices, the better.
Product: Debt collection

I received a letter from an alleged attorney trying to coerce me into paying an alleged debt. They are attempting to collect on older court cases in XXXX XXXX, Florida. Nowhere on the Notice does it state theyre attempting to collect a debt using the proper verbiage required of a debt collector under the FDCPA. This is a blatant violation of the FDCPA. There are multiple cases dating back to XXXX, XXXX, XXXX, and XXXX, all ending in XXXX. However, the case number provided by them on the letter that theyre attempting to use is dated XXXX. Linebarger Goggan Blair & Sampson , LLP are also acting ultra vires as the practice of law can not be licensed by any state, Schwarzenegger v. Board of Examiners, 353 U.S. 238, 239. The practice of law is an occupation of right, Sims v Ahrens, 271 S.W. 720 ( 1925 ).
Product: Debt collection

I am writing to file a complaint against Penn Credit Corporation regarding account number XXXX. I am being contacted by Penn Credit Corporation in an attempt to collect a debt that I do not owe. 

I believe this debt is inaccurate and does not belong to me. I request the immediate deletion of this debt from my credit report. Additionally, I ask that you provide details of any violations of the Fair Debt Collection Practices Act ( FDCPA ) that may have occurred, including but not limited to : Section 1692e : False or misleading representations in connection with the collection of a debt.

Section 1692f : Unfair practices in the collection of a debt.

Section 1692g : Failure to provide the required validation notice.

Please be advised that if this issue is not resolved promptly, I may have to take legal action, seeking {$1000.00} per violation, along with recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Product: Credit reporting or other personal consumer reports

Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report XXXX need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do This is a violation ef 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k
Product: Checking or savings account

On XX/XX/ I was debited XXXX and XXXX from XXXX XXXX XXXXXXXX XXXX. XXXX XXXX claims to not be able to find the user that received this money even though I am able to find her on my end. And the bank refuses to refund my money claiming that I have prior transactions with this individual, referencing a XXXX credit that they submitted immediately before the debits. This was not on my personal XXXX XXXX account, someone added my debit card to their XXXX XXXX  account and sent the money to the above named individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you. 
1. XXXX XXXX Reported : XX/XX/XXXX 2. XXXX XXXX XXXX Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX 6. XXXX XXXX   Reported : XX/XX/XXXX 7. XXXX XXXX Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Product: Credit reporting or other personal consumer reports

MOHELA AND THE DEPARTMENT OF EDUCATION is on my credit report and On XX/XX/year> they have forgiven my loans I have proof of this with the account number attached please remove the students loans from MOHELA AND THE DEPARTMENT OF EDUCATION account ( XXXX ) with in 30 days please and thanks.
Product: Credit reporting or other personal consumer reports

I submitted a written dispute to Experian on XX/XX/XXXX regarding inaccurate 30 day late payment on my credit report, and again on XX/XX/XXXX regarding personal information and inquiries that I never authorized. My dispute included all required identifying information, including my full name, address, date of birth, and social security number. I also provided supporting documentation : a copy of my driver 's license, a copy of my social security card, and proof of address, to verify my identity. 

However, instead of conducting the required investigation within the Fair Credit Reporting Act ( FCRA ) 30-day timeline, Experian sent me a letter claiming that my request " does not appear to have been sent directly by or to be authorized by me. '' This response is false and appears to be an attempt to delay or avoid investigating my dispute. 

As a single mother of XXXX and a XXXX XXXX I understand the importance of handling all credit matters in writing to ensure proper documentation and legal protection. I do not have the time to call Experian and sit on hold, only to be given the runaround. Written disputes are the most secure method for consumers to protect their rights under the FCRA and ensure a proper paper trail. Experian is forcing me into an inconvenient and less protected process to avoid its legal obligation to investigate my dispute.

Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), Experian is required to investigate disputes unless they determine the dispute is " frivolous or irrelevant. '' However, Experian has not provided any legitimate explanation as to why my dispute would be considered invalid. Instead, they are improperly shifting the burden onto me to call them, despite already having all my identifying information. This is a clear stall tactic and an unfair and deceptive practice under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan in my name from PNC. I divorced 2 years ago and my ex-wife was court ordered to pay for the car. She neglected it and as a result my credit score suffered as a result. I have submitted disputes to the credit bureaus and supplied them with court ordered documentation supporting my claim. It persists in negatively affecting my credit. I have requested that this be corrected over the last several months. PNC does not have someone I can speak to about this. This is very frustrating.