23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Visa debit card was lost and some unauthorized transactions where made after the card was lost. I logged into the app and noticed these unauthorized transactions. I immediately contacted customer service. There was no customer support phone number. My only method of communication was the chat/message feature in the CashApp. I informed and requested disputes to be filed with CashApp for the unauthorized transactions two weeks ago ( more than 10 business days ). I also declared my card lost/stolen within the CashApp to cease further unauthorized transactions and request a new debit card be mailed to me. I have followed up several times since with the CashApp chat regarding my disputes. I continue to receive responses that are not addressing my concern. Purposely avoiding my requests and dodging providing answers or solutions with such tactics as multiple responses of asking me for my email address ect. 
There are regulations that protect consumers and obviously my card was stolen. Nobody at CashApp is helping me
Product: Credit card or prepaid card

I had a previous account with Chase that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded XXXX XXXX XXXXXXXX with the Veterans Affairs. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to Chase. I would ask that you remove any blocks from my account so that I can reply for another credit card because I was hoping that since I paid my debt, that I would be reconsidered.
Product: Checking or savings account

Bank of America when I had asked why my payment for XX/XX/XXXX for {$77.00} XXXX wasn't showing up as having any failed attempts from the XXXX until today when I go and look and see that my account has been overdrafted for {$77.00} and they tell me that my account Will not show or reflect any issues like failed payments. 

Credit for disputes still it in account. 

One again Bank of America, with no notice of any payment issues of any kind not given and taking the money and leaving a negative balance. 

And now stranded again. 

And the woman who answered my calls around between XXXX to XXXX XXXX He sounded smug and had been laughing and chuckling upon hearing my situation. This company has put me in again and you could hear her voice and how happy it made her that my situation being stranded again just was just pure amusement for her and she just also loved it so much, and I'm willing to bet that one probably didn't record this conversation
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an auto loan repossession on my credit report. Specifically, the balance reported is incorrect and does not reflect the proceeds from the sale of the repossessed vehicle at auction. This inaccuracy violates Section 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to report accurate and complete data to credit bureaus. 

The repossession, associated with the following account, is being reported incorrectly : Creditor/Lender Name : XXXX XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Date of Repossession : [ XX/XX/year> ] Reported Balance : [ {$4900.00} ] The vehicle was repossessed and later sold at auction. However, I have not been provided documentation showing the proceeds from the auction were applied to the outstanding balance. This lack of adjustment has resulted in an inflated and inaccurate balance being reported on my credit file, which is misleading and noncompliant with the FCRAs requirement for maximum possible accuracy.
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online payment from my XXXX Bank Account to Comenity Bank for {$4700.00}. This was well before the due date of XX/XX/XXXX. When I received the next statement on appoximately XX/XX/XXXX the payment had not been credited to my account. I called Comenity and told them that i had sent the check and they claimed that they did not receive it. I told them that I would stop payment on the check and reissue the check. I asked them to waive the late fee of {$28.00} and the interest of {$130.00}. They agreed to waive the late fee but refused to waive the interest. I filed a written complaint with Comenity on XXXX and they have not taken any action. When I received my next statement they charged a return check charge of {$28.00}. I stopped payment on the check when they said they had not received it on XX/XX/XXXX. I called today and asked them to remove the {$28.00} charge and after speaking to XXXX people they refused to do so. 

I also had charges from XXXX XXXX on my XXXX and XXXX Statements that were not authorized. I suspect this was fraud and I do not know if Comenity is complicit in this fraud.
Product: Debt collection

I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.
Product: Checking or savings account

I received an email verification from XXXX on XX/XX/2023 stating : " This email is to confirm your renters insurance cancellation. If the information below does not match your account or you believe you have received this message in error, please call us at ( XXXX ) XXXX. '' But on XX/XX/XXXX, my debit card got charged a recurring fee of {$16.00} again. I tried disputing it. But Wells Fargo does not allow me to dispute it. I have a screenshot.
Product: Payday loan, title loan, personal loan, or advance loan

I first called the company Credit Fresh to let them know that my job had me on leave so I would not be able to pay them on the first of XXXX, I then asked could I change my payment day to the end of XXXX the XXXX that way I would be able to pay them for the month we had a agreement I payed them XXXX the XXXX and then they charged me again on the XXXX of XXXX I have been calling for XXXX weeks with people telling me they are handling the situation and they will give me a call back, they told me somone would call me in three days iv been patient and waited but still no call back I don't think it's right that they dont have to go looking for me for payment but I have to keep reminding them that we have not reached a solution
Product: Checking or savings account

Im actually the beneficiary for the account for someones account at Key Bank located XXXX XXXX XXXX XXXX Maine XXXX XXXX which both husband and wife passed away. I went into the office instead of them asking for all material at one time it was asked piece by piece eventually giving them all that was asked I then had to wait 30 days After 32 days I went in they told me they had to fax everything to legal and I would here from them, now i have not received any phone calls or reply back from them, I also had a lawyer to write a letter asking Key Bank if theres anything more needed from XXXX if so please inform us so XXXX can move on with his life. 
Heard nothing from Key Bank. 
I have all emails, from bank manager stating I had to wait 30 days. 
I also called another Key Bank to find out what do I need to close a bank account if Im the beneficiary, the reply was original beneficiary paper work, 2 original Death certificates, affidavit and waited 32 days which they require 30 days. 
Still no reply, nothing, please help. 
I can be reached at XXXX or XXXX I have all emails and documentation to and from Key bank if needed. 
Thank you.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

On my equifax and XXXX  report theirs is one negative item that's 90 days late last four of account XXXX this item supposed to be removed from my XXXX credit report and equifax my social security number is XXXX theirs a federal trade commission identity theft report on file please have experian remove the account and equifax
Product: Debt collection

FMS Investment Corp re cently reported a {$6000.00} collection account on my credit report. Prior to the appearance of this account, I was not provided with a notice of this supposed debt, and given a chance to even contest it. Since I was not provided notice of this supposed debt and given a chance to dispute it, I requested that FMS delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my account consumer credit card was closed by XXXX Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX Account XXXX : XXXX Description of Inaccuracy : I dont owe XXXX no money XXXX never had their service Explanation of Dispute : Fraudlent activity discovered on my account.Somebody used my information to start a XXXX account Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. 
Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased shuttle services with XXXX for transportation from the XXXX airport to the hotel. XXXX sent a link to complete payment. The cost agreed upon was {$71.00} USD, or {$1300.00} MXP  at the time of currency exchange rate. The confirmation invoice confirmed the charge of {$71.00} USD. However, when I checked my card statement, the charge was incorrect. It was in the wrong currency. Instead of being charged {$1300.00} MXD, I was charged {$1300.00} USD. Please see the scanned documentation below, which shows our invoice and the incorrect charge on my bank account. 



This screenshot of my XXXX statement indicates the charge of {$1300.00} USD. The wrong currency. It should have been {$1300.00} MXP or {$71.00} USD. 



When I went to submit the first dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ), I subtracted the initial cost of {$71.00} and disputed for the remaining balance of {$1200.00}. For the first dispute I was unable to provide evidence, and I believed that Chase would be able to resolve this straightforward issue without further delay. 

For the second dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ) I provided several pages of evidence in the form of invoices to prove that I was charged in the wrong currency and that XXXX owes me {$1200.00}. The second dispute was also unsuccessful. In a generic form letter, Chase incorrectly denied this claim, stating that the charge was valid after further inquiry. XXXX still wrongfully has my hard-earned money that does not belong to them. I paid my outstanding balance, which included the XXXX charge, to avoid incurring additional interest charges on my account. 

The third attempt to get the bank to help me get the refund back of {$1200.00} ( CHASE claim ID : XXXX on XX/XX/XXXX ). I was advised by a customer service agent to write a letter explaining the situation. I asked them to please review the attachments and contact me if this explanation is still unclear. I have been a loyal Chase customer for over a decade, and I have never had such a difficult experience getting help. I got a notification on XX/XX/XXXX saying that my dispute had been closed. I never got my refund back. 

I have contacted XXXX for updates since XXXX. They now claim to want to refund the full {$1300.00} USD for all the inconvenience. When I try to contact them for a direct refund they do not respond to my calls or emails. 

I would be grateful for any assistance in recovering the money that was taken fraudulently. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to request your assistance with an issue on my credit report. The challenges brought on by the XXXX XXXX XXXX caused significant personal and financial difficulties for me, which have unfortunately impacted my credit history. 
During the height of the pandemic, I XXXX XXXXXXXX and faced a XXXX XXXX that left me unable to manage my financial responsibilities for an extended period. 
As I understand, the CARES Act, which amended the Fair Credit Reporting Act ( FCRA ), provides accommodations for consumers XXXX XXXX XXXXXXXX. These accommodations include relief for those impacted between XX/XX/year>, and 120 days after the end of the XXXX national emergency. 
During this period, my vehicle was totaled, and the responsibility for the associated loan was transferred to my expartner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the vehicle, and the loan servicer did not communicate this to the credit bureaus. Although the loan was ultimately paid off by the insurance company, the lack of communication during the process resulted in late payment entries on my credit report. 

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

Experians investigation about my debt dispute with XXXX  did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
Product: Credit reporting or other personal consumer reports

We have now had to deal with this account twice. Mountain America sold this debt to XXXX collections at which time we did a pay for delete through bonneville and the account was satisfied ( we have documentation of this ). Mountain America removed it from my credit in XXXX and then reapplied it to my credit in XXXX, even though they had sold the debt to XXXX and no longer owned the debt at all. It is still appearing on my credit which the account was initially from XXXX ( so an eight year old charge off ). We launched an investigation with mountain America and the representative I worked with ( XXXX ) even stated that there was an error with this account and they were working on it. We were later informed that they decided the information is correct even with the pay for delete letter we sent them. No actual explanation as to how they came to this decision. We would like this item removed permanently from my credit as soon as possible as this is impacting my credit and messing with my home buying process.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Due to COVID-19 Pandemic Under the CARES Act Dear Dispute Resolution Team, I am writing to formally request the removal or correction of late payments reported on my credit profile during the COVID-19 pandemic. These late payments are reported in violation of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 
The specific accounts and late payments in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSTAR Bank / 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 The CARES Act, enacted on XX/XX/XXXX, includes provisions to protect consumers from negative credit reporting due to financial hardships caused by the pandemic. Specifically, Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to require that if an account was current and the consumer made an agreement with the lender regarding deferred or modified payments due to the pandemic, the account should be reported as current. 
During the pandemic, I reached out to my creditors and entered into agreements regarding payment deferrals and modifications. Therefore, the late payments reported during this period should not be reflected on my credit report. The continued reporting of these late payments indicates non-compliance with the CARES Act and the FCRA. 
I request that you : XXXX. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the CARES Act. 
2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete.

Please consider this letter as formal notice that if these items are not removed from my credit report, I will be forced to take further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office.

I appreciate your prompt attention to this urgent matter and expect a response within 30 days of your receipt of this letter, as required by law.

Sincerely,
Product: Debt collection

XXXX became upset when I alerted them that I will no longer do business with them after my vehicle was sent to a shop ( of their choice ) that destroyed my vehicle interior and exterior. I sent videos and pictures of the damage and asked for my vehicle to be moved to another shop and for a XXXX rep to go visit the shop to see the damage. They refused and now they have damaged my credit with a false collected after getting an advanced payment and plenty of written and verbal information regarding the last day of my insurance under them.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I contacted One Main Financial. I contacted them because after paying them {$9600.00}, I only borrowed {$4900.00} from them in XX/XX/XXXX. My balance is {$8800.00}. Which after doing the math totals around {$18000.00} on a {$4900.00} loan. For them that is an investment of {$13000.00}. I used this loan to pay for my classes at XXXX XXXX through XXXX XXXX XXXX. I contacted XXXX XXXX who is my attorney. He has reached out to them for a settlement but they said they do not settle. I have a lien on my car with this loan, it is a XXXX XXXX XXXX ex with XXXX miles on it. It is valued between $ XXXX {$3000.00}. I have been doing business with them on and off since XXXX, they went through multiple names including, XXXX XXXX XXXX, Spring leaf Financial, and now One Main Financial. I am living paycheck to paycheck and this loan is a burden on me and my family, I am desperately seeking any and all help please. My attorney said they do not want the car just the remaining balance of {$8800.00}. It seems the more I keep paying them the worse the balance gets. My balance was the same this time last year. I think there is something wrong.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, XXXX XXXX, with D.O.B XXXX XXXX, : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards and accounts opened 1 ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) which this was an account that was bought from XXXX in which I DID NOT apply for, 2 ) XXXX XXXX XXXX XX/XX/XXXX under the account ( XXXX ), 3 ) XXXX on XX/XX/XXXX under the account number ( XXXX ), 4 ) XXXX on XX/XX/XXXX under the account number ( XXXX ), 5 ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) which was an account that was brought from XXXX XXXX XXXX in which I DID NOT apply for. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I disputed results with all 3 Bureaus, this is my second time going through this process ; as they only solved part of the problem. I am a VICTIM of identity theft, I reported this to these companies and they have either only resolved part of the problem or haven't taken action at all. I was even accused by XXXX via our secured correspondence of making an error. When I clearly stated that I have been, again, a victim of identity theft. And I am being discriminated against because of it. It's causing alot of problems in my life. I just want someone to do their job! My data has been a part of a list of data breaches and used improperly. It's not my fault! I'm just trying to clean up the damage, and these companies are doing bare minimum and it's taking a toll on my life. Please review their processes. 

The following Inquiries were unauthorized uses of my consumer report across all 3 credit bureaus. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX advised me that I have a new account opened under my name reported on XXXX at a company named MONEYLION. I try get in contact with MoneyLion Inc but I did not get a response. I never opened or even know about this company or this account was opened as fraudulent because my personal information was compromised by XX/XX/XXXX or XXXX XXXX  or someone open this account using my credit credentials. This company gives money without verify with the customer if is real or not. The amount is for {$1000.00}.