23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

- I was refunded {$3200.00} for a security deposit paid to XXXX XXXX XXXXXX/XX/year> ( and {$87.00} for the XXXX fee ) - I ended up with a total negative balance of - {$3200.00}. 
- I waited to see if Amex would contact me about this negative balance. 
- After a week, I heard nothing, so I contacted support. 
- I contacted support on XX/XX/year> via chat. The chat agent failed to refund my accounts initially but did succeed to get my authorization to send a wire transfer to my XXXX XXXX  account in the amount of {$3200.00}. 
- On XX/XX/year> I notice a strange charge on my Amex card of {$970.00} which only has a description of " ADJUSTMENT ''. I assume that this is related to the refund I requested and perhaps this is one part of a many part adjustment - On XX/XX/year> I notice another " ADJUSTMENT '' of {$3200.00} and I get concerned. I hope that the earlier adjustment will be automatically reversed. 
- On XX/XX/year> I contact the chat customer service, I ask for an explanation of the adjustment charge of {$970.00}. They say verbatim " Please do not worry this is not a charge on your account. '' " This is just a refund from Amex on your account '' " No, please do not worry this is not something you owe. '' " I assure you that this is just an adjustment like credit. '' - On XX/XX/year> I contact support again since the charge has shown on my statement that I owe {$1000.00}. I receive no explanation. They tell me it will take XXXX weeks to investigate the charge- On XX/XX/year> I contact support again and after an hour of chat messages and being redirected to the supervisor, I have to leave for an appointment and end the chat. 
- I try again on XX/XX/year> They tell me there was a transfer initiated to an account ending in XXXX, AN ACCOUNT WHICH I DO NOT OWN. I HAVE NO ACCOUNTS REGISTERED OR NOT REGISTERED WITH AMEX WITH SUCH A CODE. They tell me that they will try to give me a credit for that amount. 
- I checked back in on XX/XX/XXXX, There is no credit still and they tell me they will try to initiate a transfer again- It is now XX/XX/XXXX, over 2 months from the initial conversation and mistake American Express put a charge of {$970.00} on my account, they tell me this was a refund initiated by an agent via a paper check to an invalid address WHICH I HAVE NEVER EVER AUTHORIZED, they tell me they will investigate the issue for weeks, they tell me they will refund me credit to my account, they do none of it American Express has stolen {$970.00} from me. I will be seeking legal damages after this if I see no resolution.
Product: Debt collection

I am on a payment plan of {$50.00} a month since 2012 to pay off a total balance of {$7000.00}. I never missed a payment! I called the call center to pay the rest of the amount I owe them. which is {$850.00} the payment plan was filed with the courts in 2012 When I told them I wanted to pay off the rest of my account, they refused the payment and said it was in an internal review with their lawyers and refused to take any payments. 
and told me to send them a note that I did not deny the debt. after paying on this debt for 10 years I'm gon na deny the debt. no, I wanted to pay the rest of the planned balance off I called them several times and got the same story, it was in an internal review. and they could not take any payments on the account. The default amount is {$9800.00} in other words. so basically if they can't take my payments for the account I go into default. 
I am a XXXX citizen on social security I did the right thing by paying my debts this is causing me lots of stress .and health problems please help
Product: Vehicle loan or lease

1 ) After calculating the interest rate and payment plan, I should no longer owe ANY interest and have over paid by thousands in interest. The default loan was 6 years, and after 6 years of payments the balance was still too high. After verifying this information to be accurate, I reached out to Santander and they dismissed it. 

They were apart of a lawsuit regarding this, and by the lawsuit requirements I shouldve qualified as I was deceived and shouldnt have even received a loan. Every other company rejected me at the time, however Santander took me under to commit this unfair, inhumane practice. 

There is no reason on the XXXX year that I should owe ANY interest! I have paid $ XXXX interest for 6 years. With {$150.00} as a average thats over {$10000.00} in interest paid.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we made a payment to CMA Financial using our bank account information over the phone. We do not know if an error is made on CMA, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.
Product: Credit reporting or other personal consumer reports

I contacted Equifax today, after seeing my score drop again after a mortgage lender pulled my credit today. Explained to them that I am able to have it pulled by as many lenders as I want within 45 days and that it should only count as one hard inquiry on my reports. Outsourced female stated that this was not correct, and that every hard inquiry will negatively impact my score for the next XXXX years, and that they do not make any adjustments to the credit scores on their end in these instances. This is wrong, since it means that you are forcing people to go with the first Lender they select for fear that it will prevent them from getting a good rate ( or opening any other lines of credit in the next XXXX years ), all due to going through the agonizing process of purchasing a home. This is ridiculous, and the whole reason you created this rule in the first place.
Product: Prepaid card

I was forced to close my account due to lack of knowledgement and accessibility to acount information to this day I still don't know the full implications the company was direct Express and let me get my social security check since XXXX  and the social security directing me to use direct Express I had disputes I'm disabling I can't remember all the dates plus disputes for Comerica Bank and a lack of transparency and informative inquiries my ssi income is all I have and they took so much
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : XXXX. A copy of my government-issued identification. 





XXXX. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 





XXXX. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within XXXX business days of receiving request.
Product: Payday loan, title loan, or personal loan

XXXX XXXX at last withdrew money from my checking account. I had never applied for a loan with this company. When I called to ask how they had gotten my information, no one will give me any answers. They are now demanding interest on a loan I did not apply for. I have no information on the loan, no loan #, no anything. They just began taking money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a Equifax response regarding another compliant about four inquiries. The inquiries were removed and put back on my credit report without notifing me in writing. C.F.P.B please take a look at the compliant number XXXX. This complaint response from Equifax state that the inquiries do not appear on my credit report. Today I receive a respond that two of the four inquiries will remain on my credit report. Eqiufax is violating consumer laws. The agents are continually filing false claims. I have attached my credit reports and compliant XXXX clearly states that these four inquiries were not on my credit file. Now Equifax state that two out of the four inquiries will remain on my credit. I attached proof on the the compliants that I mention above. This is the fourth compliant about these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX  's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

After my first complaint ID XXXX they company said that they are going to send refund of my funds, but until now XX/XX/ I still not received my money, and they company didn't answer my email anymore, I need to open another complaint and ask to provide more additional information, when I will get my funds! 

As on the last response in XX/XX/ They say that Wise is available to provide additional information upon request. 

And this is the last response from the last complaint ID XXXX We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customers account was deactivated in line with the Wise Customer Agreement, which all customers must consent to upon account signup. As such, we are unable to consider reactivation of their account and we are unable to provide an explanation for the deactivation. At the time of closure, we confirmed that there was money remaining in the customers account. Please note that Wise is currently performing required due diligence checks that must be completed before we can provide an update regarding the possibility of a refund of these funds. As soon as the process is complete, we will confirm the outcome of these checks and, where applicable, return the outstanding funds. Wise is available to provide additional information upon request.
Product: Vehicle loan or lease

I contacted Mercedes regarding late payments reported to my credit that are in error, they agreed to give me a deferment in XXXX. I made the payments in XXXX and XXXX on time and before it was 30 days late. They reported it late in XXXX with XXXX and XXXX and in XXXX with XXXX. This is not correct my payments were made on time for those months and I have attached proof, along with a letter and proof sent to Mercedes.

How they are reporting this is incorrect and I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA 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 CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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: Checking or savings account

Capital one bank delayed my payment for over 24 hours.
Product: Checking or savings account

I was supposed to receive my direct deposit from my job on Friday XX/XX/year> and have not received anything. I normally get paid around XXXX and its now XXXX and still nothing. I need to pay bills and cant which is going to incur late fees and derogatory marks. You cant get through to anybody. I need my direct deposit to go through.
Product: Debt collection

1- They do NOT respond back within the 30 days deadline nor at any time. 2-They keep posting that I have made payments on the accounts when the accounts have been closed for years. 3-Especailly MIDLAND FUNDING. They have refused to accept a Certified Letter from the Court that notifies them that they are being sued for violating the XXXX 1692XXXX of the FDCPA. An employee looking at their computer screen, seeing my name listed in their database is NOT VERTICATION of any alleged debt.
Product: Money transfer, virtual currency, or money service

I am dealing with an issue with XXXX / PayPal right now. I have been misled, swindled, and duped by XXXX. Multiple times I spoke on the phone with XXXX XXXX XXXX and I was told that the circumstances of this case would be covered under Seller Protection. As my labtop was either damaged in transit by XXXX OR it was damaged by the buyer in order to force a return. One of those two things has happened. My money should not be on hold in PayPal and there should not be any negative balance on my PayPal account. 

This situation Im facing looks like an obvious case of " buyer 's remorse. '' Its not just me who thought that. When I called PayPal, after explaining what happened, the customer service said that she thinks it sounds like a situation of buyers remorse. PayPal put my balance into a negative balance of XXXX due to the actions of XXXX and XXXX XXXX. This is not okay. I have been duped into believing that I am covered by XXXX Seller Protection. I did everything correctly that I could in selling this item. I am extremely upset how this has been handled by XXXX and PayPal. I have never faced a situation like this before. 

The buyer received the item in the condition described. The buyer is apparently now fraudulently lying about the condition in order to receive a refund, even though the labtop was described accurately in my XXXX listing as a " used '' labtop with cosmetic imperfections, sold " as is '' with no returns accepted. Because I am unable to accept returns on this item. I find it incredibly unfair that I have gone to great lengths to document the condition of the labtop, both before listing it on XXXX and before shipping it to the buyer, but yet XXXX is wrongly placing the blame on me. 

There is a real likely possibility in this case that the buyer has scratched or damaged my old labtop on purpose in order to fraudulently demand a return/refund. The other possibility is that the labtop was damaged in transit by XXXX since I first had to ship the item to XXXX  shipping center in Kentucky. It should be covered by XXXX Seller Protection which is supposed to protect a seller against fraud and other cases such as mine. The photo the buyer showed me of the so-called damage looks nothing like the condition of the screen before I shipped it to him. I also took photos and a video before shipping the labtop to the buyer in order to document the condition of the item. It did not look like that! The labtop was first shipped from me to XXXX, and then the labtop was forwarded to the buyer in XXXX. 

However, I have a strong suspicion that the most likely scenario is that the buyer has had " buyer 's remove '' and is therefore lying about the condition of the item to convince XXXX to allow him to return it. 

I just saw that my PayPal account is currently in a negative balance. Furthermore, money being received to my PayPal is not even appearing to me as available. Basically PayPal is just stealing my money. This can not be happening.
Product: Checking or savings account

Had paid off a loan ( Line of Credit ) to Satander in full. Closed all accounts. Santander seems to have handed over my account to collections and I have been and are being harassed by Santander 's staff trying to collect XXXX, Santander has sent XXXX balance statements for all accounts Account XXXX & XXXX. 

Santander is still trying to fraudulently collect the loan amount that was paid in full.
Product: Credit reporting or other personal consumer reports

this account was charged off on the following date ( XX/XX/year> ) since then this account has been reported as an open account..it also reporting a past due balance.this is an update in payment history .A charge -off should not include an open account status..it should also not report a past due balance. this inaccurate information falsely manipulates the statue of limitations you failed to properly investigate this account and your neglect has violated my rights as a consumer. 

XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquiries from Ally Financial from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize inquiries on any of those dates.
Product: Checking or savings account

XXXX XXXX was very biased, contemptuous, and highly dismissive towards Myself and my XXXX XXXX. We attempted to open up a XXXX  account for one of our XXXX  called " XXXX XXXX XXXX XXXX today XXXX XXXX 2020. She blatantly lied and said that she could not look up our articles of organization. However, that wasn't the case she simply refused to look up the necessary document needed to open up the XXXX  account. She made us feel very uneasy she also made us feel like we had no right to be in a banking institution based off how we were dressed. XXXX stated that she'll only open up a personal checking account because she did not think our XXXX  was legit since we did not have a hard copy of our articles of organization on hand. She also stated very threateningly that if we did not fund our personal checking account by today that she would close our account. Just because we did not have a hard copy on hand does not mean our XXXX is not legit. She blatantly REFUSED to look up our articles of organization therefore we were unable to move forward with opening up our XXXX  account with FIFTH THIRD BANK. She also did not give us our necessary banking information such as account and routing number for one of our accounts. However, once we left fifth third bank we met with a banker at XXXX XXXX this banker was able to pull up a copy of the articles of organization that we needed to open up the XXXX  account.We happily moved forward with XXXX XXXX.
Product: Debt collection

It is reporting twice on my credit report once from XXXX XXXX  once from common wealth finance. Both for the amount of {$63.00} and both with the original debtor as XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, TransUnion, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Product: Credit reporting or other personal consumer reports

Experian continues to state they have verified this bankruptcy but how? I keep asking how are they verifying this information if XXXX and XXXX have already deleted the information?! The vendor they use which is XXXX also deleted the bankruptcy so what magical information does Experian have that validated this information. I have wrote letters and filed complaints against them and they will not tell me what they used to verify this information.