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

Date claim was originally filed : XX/XX/2020 Claim # XXXX On XX/XX/2020 I, XXXX XXXX, purchased two tickets for flight numbers : XXXX XXXX, departing XXXX XXXX on XXXX XX/XX/2020 at XXXX and connecting at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX flight XXXX  XXXX on XX/XX/2020 destination, XXXX XXXX . 
I planned to return on XX/XX/2020 on spirit flight number : XXXX  XXXX ( XXXX or XXXX XXXX XXXX XXXX ) at XXXX and departing from XXXX at XXXX on Flight number XXXX XXXX arriving in XXXX XXXX XXXX XX/XX/2020 at XXXX. 
I/Account holder, XXXX declare that I was denied the benefit agreed upon by said merchant which was intended by Account holder to be in exchange for Account holders authorized payment. 
I/Account holder authorized the payment of {$450.00} contingent upon me being allowed to board the purchased spirit flights Numbers on the date and time agreed upon:1 ) XXXX  XXXX and XXXX ) XXXX  XXXX I have knowledge and believe that the Chase bank claims Investigator who biasedly determined my claim did so without proper evidence or true facts. I believe that Chase Bank is working in concert to deprive Account holder of reserved rights and money or wellbeing. 
The merchant has willfully mislead Chase Bank Investigator 's by erroneously stating that I/Account holder actually boarded said flights. 
I declare protest to the herein referenced bias unsupported theory which has been presumed as facts or truth by Chase Bank Investigator 's.

I/Account holder has/have Disputed the foregoing transaction and Chase Bank Investigator 's not only refuse to do a proper Investigation into this matter. Chase bank denied my claim based upon hearsay and or opinion and not actual material facts as required. Then after I/Account holder filed appeal, Chase Bank denied it erroneously stating that " the debt was already charged off ''. This can't be true because The funds were actually taken from Account holders Account. No charge off. 
Chase bank has a duty to act under the directive of the account holder and willfully refused to act in the interest of the account holder in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car, refinanced through wells fargo. I fell behind but I did settle with them I sold the car, and sent them all the money, and released the title to the buyer but its still showing that I owe.That part is incorrect because we settled. And its still on my credit. I took out a loan and wells Fargo sent then a letter saying it had been resolved but it still showing.
Product: Money transfer, virtual currency, or money service

My ability to withdraw funds from Robinhood account has been blocked for at least 5 days. I'm able to transfer money in, but not out for some reason. 

I've submitted help tickets and tried to contact the company through social media about this issue, but they've responded with auto replies that say they will get back to me in 1-3 days. We're well past 3 days now and still no updates or actions to restore access to my funds. 

If this isn't illegal, it should be.
Product: Credit card or prepaid card

I have a credit account with PayPal and have never been late in making payments. I go online as normal and made multiple payments from my XXXX checking account. PayPal sent me a notification that all of my payments were returned checks, even though I never wrote any checks. I was told that my checking account had become disconnected from my credit account and would not go through even though I made sure it was reconnected. I was then told it takes 4 to 5 days for the re-connection to be completed. That should not be me ( the customers fault ). I tried in good faith to pay on my balance but was rejected because of technicalities. I then called and read my debit card over the phone to pay the original amount I wanted to pay. Now Im told that because these previous payments were rejected ( through no fault of mine ) that my account would be closed, even though I have been a stellar client. This closure will look bad on my credit reporting agencies. But, I was told I basically have to grovel to get this PayPal ( Synchrony bank ) to get them to reopen my account once it is closed. This is unfair and not because I did anything wrong. Only because this company relies on computers to instruct them with how to deal with clients. Im XXXX XXXX XXXX and retired now, and I have great long term relationships with major financial organizations. Here is a relatively new banking institution who knows nothing of the value of a good client, and they could care less to treat me in an abysmal fashion. This cant be legal! It certainly is not ethical!
Product: Vehicle loan or lease

My wife and I owned a XXXX XXXX XXXX XXXX recreational vehicle ( RV ) that we purchased and financed through Bank of America in XX/XX/XXXX. There was never an issue with the monthly payments or any other issue that could have created issues at the termination of the loan. 
On XX/XX/XXXX, we sold the RV to a couple from XXXX, TX. The couple financed the purchase with a loan from XXXX XXXX XXXX XXXX XXXX for the amount of {$240000.00}. The payoff of the loan would have been approximately {$150000.00} leaving an over payment of approximately {$91000.00} which should have been sent directly back to us. As of XX/XX/XXXX, we have not received the over payment or a satisfactory answer as to why we have not received the funds. 
The check from XXXX XXXX was sent 2nd day XXXX to Bank of America on XX/XX/XXXX. The check arrived at their facility in XXXX, FL, on XX/XX/XXXX, at XXXX AM. See attached. 
I received notice on XX/XX/XXXX, the payment had been applied to my loan and the account was paid off. During the period from XX/XX/XXXX to XX/XX/XXXX, Bank of America continued to charge me interest on the loan. 
I was informed by BoA that the overage amount required it to be held for 3 weeks so they could verify the funds. I had just a few days earlier had a conversation with a BoA employee who stated he had verified the check and all was good. This didn't appear to make any difference in the 3 week waiting period. I was also informed the over payment would be available for release on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted BoA regarding the payment and was told I would have to wait an additional 3 business days to have the funds transferred to my BoA checking account. It is now XX/XX/XXXX, and I have not received the funds nor can any of the dozen or so " associates '' I've discussed this issue with provide me with a date as to when I'll receive my funds.
Product: Credit card or prepaid card

I made a payment to pay off the balance of my credit card for my capital one credit card on XX/XX/12, this payment has since posted to my credit card account and they have deducted that amount from my current balance, and my bank as well has posted the payment as sent and amount deducted from the active balance. To the day Capital One still has my payment on hold until at least 7 days from the date I paid it with the claim of ensuring the payment is received, even though they have acknowledged receipt of payment by posting the payment to my account and deducting that amount from my balance, and sending me an email they have received the payment and it has been posted. Their claim is contradictory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/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: Debt collection

These are not my accounts. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.
Product: Debt collection

I can't speak as to when the issues started, but I began receiving multiple calls from a Midland Credit Management. They have been calling every day, sometimes multiple times in a day. This company has also contacted at least two of my family members, both of which have no ties to any potential debt that may be in my name. 

They have been advised to stop calling but all parties and I have yet to receive any documentation that allows me to dispute whatever the debt is that they're trying to collect. They refuse to confirm any information when asked as I don't feel comfortable giving them my information without knowing the circumstances behind their calls. 

I have tried blocking the numbers that they are calling me from as well, but then they call from a different number to get around it.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reported on my credit report without any authorization, it is hurting me XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement with Kohles so I sent them a check for XXXX dollars. That is what the Kohles lady said to do. I am attaching the front and back of the check to this. 

I did an accord and satisfaction for less than full value but the account still shows a balance on my credit report. it was to be removed but nothing so far.
Product: Debt collection

This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understanding, you will investigate the following account listed below to ensure its accuracy. Here is the account I am asking you to verify and validate : Account Name : XXXX XXXX TLR Account XXXX : XXXX
Product: Mortgage

Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! 

Sincerely
Product: Credit card or prepaid card

I had purchased a sofa with XXXX XXXX  and opted to take out the promotional credit card from Synchrony Bank, in which there was a promotional no-interest on the loan. I had setup auto-pay assuming that the final month of the promotional period would pay for the loan amount. 

I had made the purchase XX/XX/XXXX, and had setup autopay immediately. 

XXXX years later in 2022, I had been charged the interest on the principal on the loan, unaware that autopay did not fully pay off my loan, thus an additional interest charge of {$1800.00} was charged to me. In XX/XX/2022, I made calls and requests to pay off the remaining principal in hopes of getting the interest charge removed, but after talking to XXXX different agents, all agents refused to refund me the interest. 

I do not check my emails that often, and being charged surprise interest while having autopay on is surprising considering all other companies I've use have been quite ethical.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block, inc.due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA XXXX and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXXXXXX in XXXX Wa. I am XXXX and semi retired. I took early Social Security but it's not enough to live on. I have XXXX XXXX that limit how much work I can do. Every job and every payment is critical to me. I have had my own XXXX XXXX since XXXX. I started using Paypal to except credit cards a couple years ago, but I try not to use it if I don't have to because of the fees. I have used it less than 10 times ever. I worked for an XXXX  woman in XXXX and billed her son in XXXX. He did not have a checking account so I sent him a link to pay with Paypal online. My total bill was {$620.00} on XX/XX/XXXX. The son went on vacation to XXXX and didn't get around to paying me until XX/XX/XXXX. On XX/XX/XXXX, Paypal deposited {$300.00} of this payment into my business checking account, but held back the remainder of the payment plus their fee. They gave no reason for this. I tried calling, emailing and texting them but not get through. I went to the Paypal facebook page and asked for help. That worked, Paypal transferred the remainder of my payment, less their fee {$320.00} on XX/XX/XXXX. I contacted Paypal and told them to cancel my account and did not use them again. Paypal did not close my account and still had my banking information. On XX/XX/XXXX Paypal deposited another {$300.00} into my business checking account. I did not see this. Paypal decided they made a mistake and on XX/XX/XXXX the withdrew the {$300.00} again. So we were even, I still did not know it happened. My balance did not show anything happened. On XX/XX/XXXX Paypal withdrew another {$300.00} from my business account. I did not catch this either. I had changed merchant service provider and I thought my account with Paypal was closed. I was contacted by a collection agency a few weeks ago telling me that Paypal had turned me over to a collection agency because I owe Paypal {$300.00}. I contacted the collection agency and told all this to them. They said I had to straighten it out with Paypal. I called, emailed and texted many times and have not gotten a response. I contacted my bank and they said they could not help me. The only thing they can do is cancel my checking account so that Paypal can no longer take anymore money out of my account. I sent Paypal a third email today telling them I was contacting you. I so not have an account number with Paypal. They use my email to sign in and identify me. XXXX My business is XXXX XXXX XXXXXXXX. I work out of XXXX XXXX
Product: Credit reporting

My complaint is in regards to an investigation by EQUIFAX and a recent claim dated XX/XX/2017 regarding account # XXXX which XXXX claims to have verified, and that I owe them in the amount of {$64.00}. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a statement. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They inform that they have requested that the consumer reporting agencies report the account as disputed, but they have not provided " validation '' of the debt. Therefore, they have broken the law by not validating said debt. 

On XX/XX/2017, Equifax informed that they have researched the collection account # XXXX and the results are that they have " verified '' that this item belongs to me and that additional information has been provided by the original source regarding this item. Again, I have never signed any contract with XXXX who have failed to validate this debt and confirm that I owe them any money. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
Product: Consumer Loan

I took out a loan for {$3000.00} with Rise Credit ... they told me my payments would be {$270.00} per month. Then they started taking {$270.00} out of my checking acct. every two weeks! I have tried to contact them about this-no answer ... now they all ready charged off my account and I guess it will go to collection? they told me I would have to pay back over {$9000.00} by the end of thils loan ... they need to be investigated as there are a lot of compaints by consumers online about this shady company. please help!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background report there is someone else 's name on some of the criminal charges these " charges '' with someone else 's name on them cost me a job. Thank you for your time. 

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

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I have my mortgage through Mr. Cooper after it was sold off from XXXX XXXX. Everything has been fine til it has come time to pay the insurance through the escrow. I have proof from the insurance that they sent the bill to the escrow account as on XX/XX/year> for my insurance that is active until XX/XX/year> and must be renewed by XX/XX/year>. I also have proof that Mr cooper shows in their system the amount for the renewal on XX/XX/year> but as of XX/XX/year> still has not payed it and that it's marked as scheduled yet this date keeps moving on when it will send. On XX/XX/year> mr cooper uploaded a letter to the account saying XXXX  has lapsed never mind it hasn't and proof has been submitted plus evidence that their own system is also showing the renewal check. I am uploading the current policy, the renewal, and screenshot of mr cooper systems showing the dates in the lower right corner time stamped for proof of times viewed as well as the letter from mr cooper saying lapsed when hasnt.
Product: Credit reporting or other personal consumer reports

I received your stall letter regarding the investigation of my previous dispute. Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly.