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

On XXXX i transferred money through XXXX, using XXXX balance, to an inactive account. The owner of the account initiated customer service help at XXXX  right away to have the money returned since she could not get into the account as it was inactive. The receiving account owner worked with XXXX XXXX who informed her that she had accidentally activated 3 accounts and deleted 2 accounts leaving 1 active and would initiate the refund to my XXXX account. Nothing changed and the owner then recontacted XXXX  and spoke with XXXX XXXX who was supposed to locate the funds and return the funds to my account, but that if I wished for an update I would have to call directly. I initiated corresponded with XXXX XXXX who told me that the owner of the other account needed to contact XXXX. We then tried to CC each other to read responses for which XXXX XXXX responded that she would help locate the funds to get them back to my account. She also advised that refunds from XXXX   balances are immediate, but i show no refund transaction. At this time all correspondence from XXXX   has ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against XXXX The past 3 months I have tried to get XXXX XXXX to fix their error. They continue to report my balance on an acct I have called XXXX. I sent them a balance letter from conns several times they still report my bal as XXXX but its actually XXXX. 

Then I have a XXXX XXXX card ending XXXX, limit on card is high but my balance is always paid off if I use it prior to reporting. Card is through XXXX XXXX, XXXX XXXX removed my card off the report just deleted it without my permission or request. In the middle of my refi on my mortgage causing my credit score to plunge down XXXX points I had XXXX XXXX  contact them and XXXX said XXXX XXXX refuse to put my card back on because they state I disputed something on the report. 
I have never disputed anything on my XXXX XXXX  Visa card with XXXX limit. Had no reason to its the only card that was reporting correctly. 

I reported to XXXX XXXX lots of inquiries not mines they did nothing, I contacted the creditors who made the inquiries and they removed them and immediately XXXX XXXX has reps I talk hang up on me and now my Visa card has been removed which Id terrible practice. XXXX  reporting incorrectly XXXX card balance the report incorrectly Ive sent balance letters several times XXXX XXXX is XXXX they report XXXX And its ongoing every month nothing changes. 

Consistently getting hacked on there site just a lot of stuff with XXXX XXXX and equigax
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

American Express 2 inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

XXXX XXXX XXXX didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report
Product: Checking or savings account

On XX/XX/XXXX I transferred {$1500.00} from Cash App to XXXX XXXX XXXX. last 4 of debit card number : XXXX retrieval reference : XXXX. After a few attempts to communicate about the recovery of my funds XX/XX/XXXX XXXX XXXX Cash app did not recover my funds, or attempt to transfer the funds back into my account. XXXX reported no funds had transferred, this was also the same employer who stole over {$30000.00} in unpaid wages earned. I made reports to them in XXXX and XXXX and they retaliated and harassed me for not accepting low wages and failed to compensate me for an injury sustained during a delivery pick up that was no fault of my own. 

Further more XXXX disconnected my account for a false pending criminal offense that was dismissed long before my delivery driver criminal background check was due for recertifying. I showed them proof of their error and they refused to acknowledge my evidence without a reasonable cause or statement. They were utterly satisfied with locking my delivery driver account so I couldn't put in a claim notice of stolen wages. They made up a false report to further hide the entitlement to my wages claim. They acted with fraudulent intent to defraud me and wrongfully terminated my driving position.
Product: Credit card

Follow up to claim XXXX I was certainly disappointed that American Express denied my request for XXXX bonus point as advertised. I was told XXXX thing on the phone, that there was a 2 year wait between reapplying for the card ( which I described in the claim as satisfying that ), and holding the prior card for at least 1 year ( which I described in the claim as satisfying that ). 
Please reference the claim above for details of recorded calls which contain the information I was given on the phone Therefore, I am requesting a copy of the American Express policy which indicates reasons for denial of the bonus points, since there seems to be a discrepancy to what I was told on the phone and how my application was treatde
Product: Debt collection

The debt collectors listed have reported debts to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of these debts or proof of their legal right to collect. These actions have harmed my credit profile, significantly lowering my credit score and limiting my access to essential credit opportunities. Additionally, the lack of proper communication has caused undue stress and confusion. 

I am requesting full validation of these debts, including : Proof of notice sent to me regarding the debts. 
Tracking numbers to verify the delivery of these notices. 
Legal agreements showing their right to collect the debts. 
Furthermore, I do believe that XXXX XXXX has a clause preventing them from selling old debt. Please provide documents verifying whether this clause applies to the accounts in question. 

The presence of these derogatory accounts has not only negatively impacted my credit but also caused unnecessary emotional distress. I urge you to address these concerns promptly and provide the requested information.
Product: Checking or savings account

After I tried to use XXXX XXXX to pay my lawyer and they told me find a different way. My lawyer also accepts XXXX XXXX. XXXX also declined XXXX XXXX. They said there is nothing they can do it's their security and find another way to pay.
Product: Bank account or service

My bank -- Wells Fargo Bank -- keeps charging me a {$35.00} " Overdraft fee '' over and over again, in rapid succession. This fee almost makes it impossible for me to build up any sort of positive balance in my checking account. For example, the bank charged me XXXX {$35.00} overdraft fees on XXXX XXXX, then on XXXX XXXX the bank charged me a {$35.00} overdraft fee and a {$35.00} " insufficient funds '' fee. Then today, XXXX XXXX, 2016, Wells Fargo again charged me XXXX {$35.00} overdraft fees, and the amounts I charged to my credit card were only {$5.00} ( for a breakfast croissant and a cup of coffee ) and {$2.00} ( for a box of doughnut holes ). So, as a result, my breakfast on XXXX XXXX ended up costing me {$40.00}, and the box of doughnut holes cost me {$37.00}! I monitor my accounts with Wells Fargo very, very closely, and I do my utmost to always keep a positive balance in this account. But sometimes my incoming checks just do n't arrive quite as quickly as my bills do ( or my desire to eat ). I once spoke with a banker in my local branch, and he seemed to want to help me, but his superiors at Wells Fargo would not allow him to do more than reduce XXXX or XXXX overdraft fees by half ( to {$17.00}, rather than {$35.00} ). I want these XXXX Overdraft fees to be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit card or prepaid card

Hello, On XX/XX/2018, I received a text message from Chase Card Services concerning a charge to my account for {$6400.00} at XXXX XXXX XXXX. I responded that this was not my charge, and then Chase called me. During the phone call, I informed Chase that I was disputing the charge because I had not made it. Chase informed me that they would investigate and they would issue me a new card. 

On XX/XX/2018, Chase informed me that they were assigning me responsibility for the purchase because the item purchased was shipped to my home address. I informed Chase that I was still disputing the charge, as I had not made the purchase and I had not received the item. 

I spoke with XXXX XXXX XXXX and they informed me that the item was ordered via phone on XX/XX/2018 at XXXX XXXX and that it was shipped via XXXX. I spoke with XXXX who informed me that XXXX picked up the order from XXXX XXXX XXXX on XX/XX/2018 around XXXX XXXX - meaning that the item was sent out nearly 24 hours after I had already informed Chase that I was disputing the charge and that it was not my purchase. They informed me that the item was delivered to my apartment building on XX/XX/2018. 

I later followed up with Chase and provided them with my phone records on the date of the purchase, including some of my geolocation data, confirming that I had not called XXXX XXXX XXXX on XX/XX/2018 and that I was not at home when the item was delivered on XX/XX/2018. I was at work when the item was delivered, and whoever ordered the item had requested " No signature required. '' I never received this item and never received any benefit from it. 

I filed a police report with the XXXX on XX/XX/2018, police report number XXXX with the XXXX precinct. 

I also sent a letter to Chase on XX/XX/2018 concerning this dispute. 

On XX/XX/2018, Chase sent me a letter stating that they confirmed the " transactions are valid. '' This dispute process is completely unsatisfactory. I informed Chase immediately that I had not made this purchase, and they did not take any steps to insure that this item was not shipped. They had nearly 24 hours to prevent the shipping of this item, it was their inaction which led to whoever fraudulently purchased this item actually securing the item. 

I will continue to dispute this charge with Chase, I kindly request your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE REACHED OUT TO TRANSUNION ON XX/XX/21 @ APPROX XXXX. I WAS INQUIRING ABOUT FRAUDULENT INQUIRIES AND ACCOUNTS ON MY REPORT. I SUBMITTED MY POLICE REPORT, DRIVERS LICENSE AND A BILL SHOWING CURRENT ADDRESS TWO WEEKS PRIOR TO THIS CALL TO TRANSUNION. I WAS INFORMED THAT MY POLICE REPORT WASN'T SUFFICIENT IN WHICH I DON'T KNOW WHY BECAUSE I'VE USED THE SAME REPORT WITH ALL THE CREDIT BUREAUS AND NEVER HAD AN ISSUE. I ASKED TO BE TRANSFERRED TO A SUPERVISOR AND WHEN I SPOKE TO THE SUPERVISOR HE WAS VERY RUDE AND THEN PROCEED TO TELL ME THAT MY FTC REPORT THAT WAS UPLOADED ON XX/XX/21 WASN'T SUFFICIENT EVEN AFTER A REPRESENTATIVE INFORMED ME WHAT NEEDED TO BE SUBMITTED. THE SUPERVISOR WAS VERY RUDE AND I HAVE NUMEROUS OF INQUIRIES ON MY REPORT THAT ARE FRAUD AND NEEDS TO BE REMOVED ASAP. ITS OVER 30 FRAUDRULENT INQUIRIES ON MY TRANSUNION REPORT.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit card

Opened a Capital One XXXX Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to XXXX 2013 XXXX 22 month ) I have been charged $ XXXX/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX notified me that Lexis Nexis is reporting me for a at fault auto accident for XX/XX/year>. The accident was a no fault. My parents premium with up a lot. I havw the collision report showing it was not my fault.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and under practices, which violate the consumer Financial Protection Bureau ( CFPB ). 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 theses violations.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX  This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/XXXX and XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Student loan

I borrowed $ XXXX, I have already paid $ XXXX however my balance is stil {$29000.00}. 

I never received amortization chart and I never received the complete payment history I asked for. 

I feel this was predatory lending and I want to sue them. This should be illegal.
Product: Credit reporting or other personal consumer reports

On my Experian credit report theres two accounts reporting negativity. Account XXXX XXXX Account XXXX XXXX XXXX XXXX Both accounts are reporting positive payment status on my other credit report like XXXX and XXXX. On my Experian account There not show a current payment status. Experian is reporting improper information on my credit report thats hurting me from getting approved for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The 3 credit bureaus are required to authenticate this account XXXX  XXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.
Product: Mortgage

My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.
Product: Debt collection

I keep receiving letters demanding payment for {$170.00} for XXXX XXXX XXXX XXXXXXXX XXXX, account number XXXX. 

I've contacted XXXX XXXX XXXX XXXX  and they don't have any information to assist me because I am a MAN. 

I have never been to XXXX XXXX XXXX XXXX. 

I've contacted BC Services and they insist that I am liable for treatment.

If this bill is for medical services or tests, please make sure to include the da

te, time and type of service provided. Ive been the victim of many duplicate charges and need as much documentation that you can provide so that I can match it with my payments. It is also very important to include all signed agreements for medical services. PLEASE MAKE SURE TO INCLUDE
ALL SIGNED CONTRACTS FOR THE AMOUNT DUE.
Product: Debt collection

I have answered multiple times on my old phone told them to STOP CALLING this has been going on every week on mornings at XXXX & im an overnight worker so I'm sleeping for over 2 years now or longer I blocked their number but it shows the missed calls for months so when I got my new phone I unblock the number again to see if I work with them on this but I'm no longer going to work with them since even after being told they are harassing me they continue to do so I am contemplating on getting with an attorney to open a lawsuit because at this Point I feel they owe me payment! 

I will attach screenshot & ANY calls with time stamps is me answering informing them to stop calling as my phone won't log any time stamps without actually answering this is the evidence that I have Please note I can also charge the 2 other phones I have with the same missed call log & me answering telling them to stop or they have the wrong number
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The consumer financial protection bureau has recently found a lawsuit against Experian alleging system Issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where experience has neither corrected nor removed. Disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to removed or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer.
Product: Credit card

I made a Purchase with a company called XXXX XXXX. It apparently is an XXXX  company selling into the US. I have no problems buying from overseas companies as I have done that in the past. 

I used PayPal to make the purchase. 

I made XXXX separate purchases. One for about XXXX XXXX  and another for XXXX XXXX. 

The items for XXXX arrived but the quality was poor. there were 5 or 6 items in this package. I kept 2 or 3 and returned 3. The total refund due me should have been XXXX XXXX. The only refunded XXXX XXXX  and kept almost XXXX XXXX  for refunds and taxes! I am still in the process of collecting the difference back. 

The second item was stuck with XXXX  customs because they had initially misclassified the amount of wool in the coat. After 30 days I assumed they had returned the item back to XXXX. 

Lo and behold I get an email from XXXX asking for Import duties for an item they delivered. I informed the merchant the item was not received that I was going to be asking what happened to my refund. 

XXXX informed them they delivered the product and I signed for it. I never signed for anything. I was travelling a lot during that time so not possible I could have signed for the item. I later had XXXX  XXXX and came back to work on XX/XX/year>. No way I signed for a package. 
How did I get a package that was delivered before the duty was paid. Doe snot even begin to make sense. 
I filed a dispute with PayPal. PayPal keeps closing the case because they received an electronic copy of a delivery from XXXX saying they delivered to my address. 

This is insane!!!!
Product: Student loan

My servicer ( Navient ) made false promises and gave me bad advise as to how to handle my loans, servicer agents steered me towards deferments and forbearance 's that lasted for years driving up the interest and fees on my student loans to a very unmanageable amount, when I was finally given an IRP they signed me up for a 2 year contract and X amount per month but after only a few months they raised the monthly payment way above what I could afford. I filed a complaint with the Ohio attorney generals office in early 2017 ( complaint # XXXX ). The practices of NAVIENT are very deceitful and misleading putting me into a financial situation I will never be rid of in my lifetime causing me to incur a lower credit rating and making retirement an impossibility this late in life. Navient 's illegal business practices has literally caused my to have tens of thousands of dollars in interest and late fees added to my original loan!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY