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

On XX/XX/2023, I received a notice from an official at my school, saying that XXXX of my teachers was downsizing and selling her late husband 's accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through Cash App, which is connected to my debit card at XXXX XXXX, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my XXXX XXXX XXXX  account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at XXXX XXXX, XXXX of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that Cash App is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is XXXX of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at XXXX XXXX, because he already told me I couldn't get my money back. I then tried going through Cash App Support on XX/XX/2023, because XXXX XXXX told me that the purchase was not made through them, but through Cash App. Cash App repeated what XXXX XXXX told me and it felt like I was going in circles looking for an answer to this scam. Each representative told me the same thing, I have no further information on this case, but if you would like to ask me about something else I can answer. I then tried re-filing the dispute with XXXX XXXX, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either XXXX XXXX or Cash App.
Product: Student loan

For the last few weeks I have been trying to get an ECSI ENTITLEMENT DEFERMENT FORM APPROVED SINCE I AM XXXX XXXX XXXXXXXX XXXX STUDIES AT XXXX XXXX XXXX. XXXX STARTED ON XX/XX/2022 AND I WAS TOLD THE WHEN ASKING FOR A LOAN DEFERMENT BY ECSI chat rep that APU TXXXX XXXX XXXX XXXX will electronically notify each of your participating lenders within 10 business days of being updated. 

I would have to fill out a XXXX XXXX XXXX XXXX XXXX XXXX Request Form and have a school official sign it as well. I have filled out several of these forms and ECSI won't approve them with a new error each time. The first one was because I had a graduate or fellowship check. After that I got it signed by a school official to fill out their section. However, ECSI was not satisfied, instead error out error. The latest one suggests that the signature was fraudulent or they needed a wet signature from a school official mailed. What's really crazy is that they say you can upload the form but once you have downloaded the form already you can't upload it anymore. You get an error stating. Our records show that you have applied for this entitlement for your loan. Your entitlement application is currently being reviewed. Your entitlement application will be reviewed within 3 business days from receipt. You can check your account online for an updated status or contact a Customer Advocate at XXXX. 

Emails are ongoing and nothing is resolved because they refuse to accept the forms and want money. Violating rights when a student is full time has the right to defer student loans.
Product: Checking or savings account

On XX/XX/2018 I tried to make a payment for {$120.00} via phone for credit card company with my checking account thats in the system, check was processed by GE bank and cashed but my credit card company doesnt reflect payment in the system
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  : XXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I have set up payment arrangements and cleared up my account and am working on the other debt I owe. They call me every day morning weekends ever since I set up payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. These accounts have not been validated pursuant to us code title 15 1692g According to us code title 15 1692e a payment is minerals, oils, natural gas.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day  over 60 days later i have not received a response a respose yet I feel ignored of my disputes. The law stated in section 611 failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will be forced to file for litgiation due to the stressed u have caused me. My information was also impacted by the Equifax data breach and probably reached the wrong hands.
XX/XX/XXXXXXXX
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I received a statement ( XXXX ) from Capital One and I paid my account in full ( so I thought ). I went in to check my account to make sure it showed a XXXX balance and to my surprise there was a {$3.00} charge that they said had accrued from XXXX. I asked, how could that be and why wasn't it included in my balance on my XXXX statement. They tried to explain which only they would know how it is calculated and there is nothing on my statements other than the statement that says " Interest is accrued daily ''. They told me that I had to call to actually get a payoff amount in order for my account to have a XXXX balance. 

My concern is that no one can do the figuring on their own credit card according to what I was told. Also, if someone wants to pay off their account in full, it should be stated on the statement to " Call for an actual payoff amount ''. I have not had a problem paying off any other of my credit cards and then to see a continuing running balance because of something that is not stated on my statement. I asked for a waiver of the {$3.00} since it was not noted but to no avail. I then asked what was my payoff amount and was told it was {$3.00} if paid today, which I did. If I had not asked about the payoff amount, my next statement would have had another amount on it that I would not have known amount which could have resulted in an unpaid credit card ( if I had not checked ) and they would have reported me to the credit bureau. 

This should be made clear on your current statement that you have to call for a payoff amount. 

Any other credit card that I have paid off has been a {$0.00} balance as long as the amount of the balance showing was paid by the due date.
Product: Prepaid card

Recieved an Amex digital gift card for XXXX. Have not been able to use it at any store or online. All retailers are decining purchases due to their fraud control measures. Can not get anyone from Amex to provide clear directions on how to resolve this error. The card is noiw useless.
Product: Credit card

Approximately 4 years ago, we made a furniture purchase with XXXX 's using their XXXX card. We paid off the card back then and had purchased insurance on the furniture through XXXX. We made a claim with XXXX to cover the furniture damage in XX/XX/2024. XXXX settled the claim and we opted for store credit. We went to the store to use the credit to purchase furniture. There was an overage and we paid it in full at the time of purchase ( not with the old credit card ). Only part of the order was delivered and part of the damaged items were picked up. The only remaining item was a credit we had for a damaged rug that is more than the value of the one we are still waitng for ( it has been backordered 3 times ). The sales person told us to keep the damaged rug until they can deliver the replacement. Unbeknownst to us, the store went back and charged the old/closed credit card for the cost 4 years ago of the damaged rug. We received a bill in the mail. The store told us they couldn't find where any charges had been made and would research it. XXXX people have called. The last person said that because the damaged rug had not been picked up, they went back to the original form of purchase and charged it for the full cost of the rug from 4 years ago. They did this without authorization. They should not still have access to our information to make these charges. They are free to come get the damaged rug and we will walk on the padding until the backordered rug arrives. However, it is NOT acceptable for them to put charges on a credit card for something we paid in full and NEVER tell us about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Product: Debt collection

Diversified continues to report a collection account on my credit report is unpaid, despite the fact that I paid it in full back in XXXX. I have disputed this account listing several times, but Diversified continues to report the account as unpaid. I am attaching a confirmation on my payment to this complaint.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Paypal funds were in my PayPal account and I initiated a transfer to our joint account at XXXX XXXX XXXX. I received a message that my funds could be under review, I contacted PayPal and they informed that my transfer was initiated and as it was in a batch that they had no control over the automated system. The supervisor informed me that the review was completed and after the holiday of the first I should expect the funds in 1-3 days. 
I contacted them via e-mail asking why the funds where stilll in review today and also was on hold for 47 minutues and was informed by XXXX that the system was automoated, the supervisor was incorrect and that the first e-mail was correct. My funds were in review and that I can expect my funds sometime next week. 
These funds were to help with a medica payment in order for my wife to recieve additional medical treatment. 
I believe that Paypal was not forthright and that it was intential to hold the monies, regardless of no disputes, the personal medical situaton or compliance on my behalf. The funds are tied up under the review process which I think is a sham and way to gain more interest at our expense. If my wife suffers as the result of this, and I am asking friends to assist me with a short term loan which compiles the stress - I am holding Paypal responsibile as they misled me, were not professional and made it difficult to reach them.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXXXXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Debt collection

Currently, I am XXXX and I was notified via people checking my house and mail that a notice was sent to me stating a certified letter had attempted to be delivered. After someone authorized to call, notified me that the company was suing me in court. There is no way I can respond nor can I retireve a certified letter mailed to me while XXXX and I fall under the SCRA. A copy of my orders was sent to the company suing me via email however no response and it was stated in the email that I was XXXX and orders are proof of dXXXX
Product: Credit reporting

I 'd like all addresses removed from my credit report except for my current address. The credit agency only removed XXXX address instead of all of them.
Product: Checking or savings account

I have had my account overdrafted multiple times with small less than XXXX $ charges regardless of what overdraft setting I use in the settings. Ive called them every single time trying to get it reversed and to tell them to turn it off and just reject the payment and they continue to charge me XXXX dollars for not having XXXX dollars when a subscription renews.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three private companies that I don't have ANY notarized agreements with, collecting my data and reporting it every month. Transunion, XXXX  and XXXX. All three companies have proved that they are incapable of securely warehousing information. Why do these companies get my financial data, only to lose it? I did not agree to having my data collected by them at any point, why can't I opt out? 
These bureau 's serve no purpose and need to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the XX/XX/XXXX jcpenney a hard inquire on the XX/XX/XXXX XXXX XXXX hard inquiry on the XX/XX/XXXX XXXX those are hard inquires from my XXXX i did not authorize i lost my wallet and all my personal information was in there and someone used my info. 
same with origententant i guess someone tried to apply for an apartment in my its also on my XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. I have sent Experian numerous FTC reports regarding this alleged account, and they continue to not block the account because of their internal policies. Experian has reinvestigated this account and verified this account is reporting accurately over 8 times. This account is not reporting accurately due to the fact it is a charge off reportin a past due balance every month. This account is no longer being collected on. If Experian has verified this account as reporting accurately over 8 times, why is it INACCURATELY reporting on my consumer report. My right is for my credit report to be accurate. DELETE this account immediately from my consumer report.
Product: Money transfer, virtual currency, or money service

on XXXX  I attempted to have funds wired from my IRA account with XXXX XXXX to my brother-in-law 's checking account with Chase Bank. The money was wired in two separate amounts because the IRA consists of two mutual funds. Unfortunately, I made an error in the account number. XXXX corrected the error for one of the transfers, but apparently not in time for the second one. When the first wire transfer went through, the deposited amount was {$50.00} less than the sent amount, but there was no explanation for the discrepancy. When the second wire transfer was returned to XXXX, it was missing {$85.00}. I have called Chase several times as well as messaging them via XXXX. Unfortunately, they will not deal with me since I am not the owner of the recipient account. My brother-in-law has also tried to resolve the problem with them. He was told by a Chase representative the two {$50.00} charges were because the transfer was an International transfer. When I told this to XXXX, they said that the name of the bank they use is XXXX XXXX, but it is based in New York, so there was not an International transfer. Apparently, the other {$35.00} was due to the account number error making the total amount missing in the return {$85.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate costumer service and deceitful business. They have directly violated the Consumer Financial Protection Act. They furthermore did not comply with the EFTA ( specifically Regulation E. ) As a costumer I feel like it is my right to be compensated for putting my financial trust into a business that has shown to not be trustworthy.
Product: Debt collection

I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and saw the following inquires from the following companies that i did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX  , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact m y    commanding officer of my command  if i d id. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I sent a letter regarding in accurate and unknow things on my credit report. It has been over 45 days and I have not received any replies. I believe that my disputes are being ignored. Section 611 ( a ) clearly states, that failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. Like I stated. It has been over 45 days so they should be deleted promptly. I am demanding that these accounts be deleted immediately or I will file for litigation do to the problems that this is causing me. Also my information has been impacted by the XXXX  Data Breach and my have fallen into the wrong hands.