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

I had lost my bluebird American Express card I called the car company because I noticed transactions had been going on that I did not approve of so they sent me a dispute paper to fill out I did that two days later they sent me a email saying that I was basically lying in the transactions was approved and for that reason theyre permanently closing my account I had {$590.00} in my account I can not access my money I cannotI can not talk to a customer service representative they gave me a number that does not work every time I call it it says my account is permanently suspended and the phone hangs up I just want my money out of that account And on XX/XX/XXXX XXXX I got an email saying that my {$590.00} was transferred out of my savings into my main account that is permanently closed and this was done by a bluebird customer service representative I did not approve of that I also tried to call the number on the email it did not work it tells me that my account is permanently suspended and I can not call the for service Instead write them a letter and they gave me a po box that is very unprofessional and Im thinking Ill have to take legal action I had received the deposit from Social Security for {$600.00} thats what they took I put it in the savings which is called a set aside account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX have mixed my deceased mothers accounts with mine. These accounts are not mine I have sent them proof of life including my current adress XXXX XXXX XXXX XXXX XXXX  XXXX my passport, social security card and my current utility bill but they have failed to remove this XXXX XXXX inaccurate account. I have attached a photo of this account from my most recent credit report XX/XX/2023, Confirmation # XXXX ) along with of the past certified letters which I will provide below sent XXXXDespite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights. I am not dead please help
Product: Credit reporting or other personal consumer reports

I am writing to address certain discrepancies I recently discovered upon reviewing my credit report, which I obtained on XXXX 2024. It has come to my attention that there are concerning inaccuracies present, and I wish to bring them to your immediate attention, emphasizing the crucial role that your agency plays in ensuring fair and accurate reporting. As stated in Section 15 U.S.C. 1681s-2 of the FCRA, it is important that consumer reporting agencies, such as yours, engage in thorough investigations when individuals, like myself, raise concerns regarding the accuracy of information contained within their credit reports. Should the information provided be found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it is your agency 's job to promptly delete the accounts. Additionally, as stated in 15 U.S.C. 6802, consumers maintain the right to privacy concerning disclosing their personal information. I did not provide authorization for the furnishing of the accounts listed below, nor was I presented with clear and conspicuous disclosures to opt-out. As a consumer, I entrust your agency to uphold these privacy standards diligently. The accounts listed below are indicative of identity theft, as they have been furnished to my credit profile without my consent, thereby constituting a violation of 18 U.S.C. 1028A. I need your agency to take immediate action to fix this matter and protect my personal information from further misuse. In light of this case of identity theft, it is important that your agency promptly block and delete the associated information from my credit report, as stated in 15 U.S.C. 1681c-2.
Product: Credit card or prepaid card

I opened an AAdvantage credit card with CitiBank a few months ago around XX/XX/XXXX, for the sign up bonus. Today, XX/XX/XXXX, I was {$500.00} away from reaching the sign up bonus. When I looked this morning, prior to making this purchase, my account was open. Fine. I saw no warning. I had also just made a nearly {$1000.00} payment on my card that posted on the day this happened. Then, I pay for something that would put my over the line, and the purchase is declined. My account is closed. 

It seems almost intentional that they close my account on the same day that they receive nearly {$1000.00} from me AND on the purchase I make that would finally put me over the line for receiving that sign up bonus. It feels malicious in intent - they take money I need and then close my account RIGHT before I get any of the benefits but after I owe them enough to get there. 

People will be hearing about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX OF XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

Way2go wouldn't let me transfer my funds to my personal bank account. 
on XX/XX/2020 made two attempts to try and withdraw money from an atm, on the 3rd try it says ( I exceeded my daily limit ) without giving me my money. I have had no problems prior to this. now can't get money to pay bills.
Product: Credit card or prepaid card

This inaccurate information is causing me significant XXXX  and negatively affecting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX  XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX and XXXX XXXX  have refused XXXX XXXX this. The followings are the fraudulent accounts : XXXX XXXX XXXX  XXXX and XXXX BANK XXXX XXXX XXXX.
Product: Vehicle loan or lease

Nicholas Financial repoed truck I told them I lost my car during XXXX and I just had found another job they got the truck and put it on my credit report XXXX cant get another car I am walking to and fro my kids have been taken out of school I tried talking to them thats what they do repo and sell car and try to get me to pay car off and someone else got the car
Product: Credit reporting or other personal consumer reports

I WAS RECENTLY RELEASED FROM PRISON I CHECKED MY CREDIT REPORT AND FOUND XXXX ACCOUNTS THAT I DID NOT OPEN XXXX FOR XXXX XXXX XXXX XXXX XX/XX/year> FOR XXXX AND XXXX XXXX XXXX FOR XXXX I CALLED BOTH COMPANYS AND WAS TOLD THAT THE DEBT WAS MINE I TOLD THEM THAT THE ACCOUNTS DID NOT BELONG TO ME AND THAT I WANTED THEM REMOVED AND THEY TOLD ME THAT I HAD TO PAY DEBT OFF FIRST
Product: Debt collection

I was a XXXX XXXX Credit card customer since 2006. I have never for the history of the card ever had a late payment on this account. XXXX apparently no longer handles my XXXX card which is now serviced XXXX XXXX signature credit card services. This new firm did not send me any notification of the change in providers. I was not notified of any outstanding or delinquent balance on my account. The only reason I discovered this outstanding balance was I registered for my free credit monitoring due the XXXX account hack where I discovered the outstanding balance of {$43.00}. As a result of not notifying about this balance my credit report has been dramatically impacted due to this delinquent balance. Upon finding all this out the balance was paid for in full and the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
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

I have the XXXX XXXX credit card and have attempted to use my XXXX XXXX on several occasions. Every attempt I make get denied or marked as fraud. They give me these fake credit card point that they say are work money which you can never actually claim the points. There support gives me the run around every time with the same " We'll get back to you '' response I wait days and weeks and dont hear anything. 

I originally place an order to redeem my XXXX points on XXXX first into the form of a XXXX gift cards. I waited 7 days and did not receive my order from XXXX so I called there gift card support department. I wanted to confirm my order had gone through to which they told me to continue waiting. I waited another week and called on XX/XX/XXXX to which XXXX informed me that the purchase I made myself AND called to confirm was marked as fraud. The agent informed me that she marked it not fraud and that she replaced the order. I called a week after that and the order still hasnt been placed. I attempt to online and am no longer able to because I get an error code on the website not permitting me to place the order. I call again and the agent gives me rudimentary IT support and says that he put a ticket in for them to reach out. 4 days later I still had no contact from delta. I call again today XX/XX/XXXX and the agent informs me not only had the order not been replaced but my account was still marked as fraud. I speak to a manager who tells me that my account should be good to go and to try placing the order online again. I attempt to login to XXXX and It informs me that my account has been suspended. How during this whole process of my calling to confirm it was me placing the order my account was suspended is a mystery. I have to submit a photo ID for a credit card account which seems extremely suspicious in the first place and I receive an email saying XXXX will reach out to me in 10 business days. 

I am reported XXXX for False advertising and purjury having lied to me numerous times about activity done to my account, false orders that wernt placed. locking my account after I confirmed it was me numerous times. Invasion of my privacy asking for photo Identification to simply unlock my account. And for not allowing me to use my XXXX XXXX that I earned through there credit card reward system they claim can be used anytime.
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 consumer 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 ) and Regulation E. These actives have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation
Product: Credit card

My identity was recently stolen, and two credit cards were opened in my name with another credit card application being denied. Among these was a Home Depot business credit card. 

The Home Depot business credit card was opened in my name on XX/XX/year>, and used to make various purchases totaling {$3000.00}. I received the credit card in the mail on XX/XX/year> and immediately proceeded to freeze my credit with the three credit bureaus, as well as called the customer support line for the Home Depot credit card. They transferred me to their fraud investigations department, who said that they would be opening a case to investigate. After that, on XX/XX/year> I was sent a letter in the mail stating that they were closing my case and finding me liable for the charges due to the information provided not supporting my claim that the charges were fraudulent, despite being given the information that other cards were opened in my name. They also attempted to state that I had made payments towards the account previously, despite no records of that existing. I immediately called the fraud investigations department back, and they stated that they needed more information mailed to them for the case and that the paperwork would be scanned in and processed 14 days after receiving it. Additionally, I was able to provide them with a case number and contact information for the local sheriff 's department who was currently investigating my identity theft case. Afterwards, I left town on vacation for a few weeks and upon returning on XX/XX/year> I found that they send me yet another letter stating that the case had been closed for the same reasons on XX/XX/year>, barely 4 days after I had called them to reopen the case. The company is attempting to force me into paying for the charges that I did not make and refusing to take reasonable action in handling the case.
Product: Debt collection

XXXX XXXX collection company has placed an unknown account on my credit report in XXXX 2017 without notification or validation of the debt. However I do not have a contract or signed any documents agreeing to pay XXXX XXXX XXXX on an account. I did not establish services nor did I have any written agreement to establish services with XXXX XXXX or XXXX XXXX. I am demanding proof of validation with my signed signature of the debt and proof that XXXX XXXX can collect and owns this account. If both can not be proven with documention. Then not only are they in violation of FDCPA but also FCBA. I have not received notice of this debt a right to dispute and so forth. I am requesting and showing proof not only is this the second time this has happened with illegal reporting to the credit bureaus but also not adhering to FDCPA. This account was with another violating collection company back in XX/XX/XXXXand was removed due to violations. please see the attached documents. Companies as such should govern themselves accordingly and not provide information without proper consumer notification. Violation as such can lead to grounds for a lawsuit under FCRA. I am asking that XXXX XXXX remove accounts immediately and close the account for collections.
Please see attached as to how it has been with two previous collectors who violated and one shows a XXXX balance because i never owed a balance and later XXXX XXXX decided to give it a shot at collecting a un owed debt.
Product: Debt collection

RGS Financial apparently bought debt from XXXX XXXX on an account that was not mine. XXXX resolved this a long time ago by saying in writing it was not mine. RGS and XXXX keep trying to collect from me. RGS is based in Texas but uses an XXXX XXXX, CA phone number and call my business line. This is very disrupting. I am asking that you get this issue resolved with both XXXX and RGS. RGS Financial XXXX XXXX XXXX, XXXX TX  XXXX XXXX.
Product: Checking or savings account

Wells Fargo has charged me overdraft fees multiple occasions on items that have already hard posted on my account even when I still had small funds remaining on the account. 

When I ask them about the fee they are hesitant to reverse the fee and give the excuse that items that are still pending caused the item that has hard posted on the account to put me in overdraft. 

One instance was :XX/XX/2019 : Item A for {$9.00} hard posted on the account from XX/XX/2019. That is the only transaction for the day and the end of day balance is {$.00}. 
XX/XX/2019-XX/XX/2019 : Item B for {$10.00} is pending. Multiple cash and money transfers between WF accounts with the same account holder totaling {$50.00} is pending to cover transaction. 
Balance : {$40.00} pendingXX/XX/2019 : {$35.00} Overdraft charge for Item A insufficient funds. 

I have called multiple times about this and they always give me the excuse that the pending transactions are affecting the balance to cover the already hard posted transaction which makes no sense. 

I would understand if I get overdrafted for a pending transaction and if I didn't make multiple deposits to cover it but for me to get overdrafted over something thats already posted on the account and with my account still in the negative before the overdraft is ridiculous. Not only that, but the fact that they always try to make up excuses on how they went back to charge me for something thats already posted on the account and for that account to have money in there is no excuse. 

This has happened multiple occasions and I've let it go multiple times but enough is enough. The way they structure their fees is borderline illegal and I feel like I'm being milked my money! 

With Wells Fargo being in deep waters with all the fraud going on, I'm surprised they're not doing due diligence to make sure things like this don't happen.
Product: Credit card

I made two payments and my available balance is on hold. They took the money from my bank account but the balance wont be available until XX/XX/24 so Im left without money for an entire week.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) due to their failure to respond to my dispute. 
On XXXX, I mailed a dispute letter to TransUnion via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was picked up on XX/XX/XXXX. However, despite the confirmation of pickup, I have not received any response from TransUnion regarding my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like TransUnion are obligated to investigate consumer disputes within 30 days and provide a response. TransUnion 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.
Product: Credit card or prepaid card

Starting back in XXXX of XXXX, Discover Card 's pay by phone line began to register unauthorized payments pulling money from my bank account to pay them. For example, it would show a payment of {$500.00} one day and {$400.00} the very next. I know the pay cycle and my pay frequency and know I would n't have paid this excessively. In XXXX, the payments became almost daily, with Discover pulling at least {$75.00} per day out of my bank account. This created difficulty with paying other creditors and bills. I told them that I do pay by phone but that I did not pay them to this excess. 

They agreed to redeem the unauthorized charges with an affidavit filed by XXXXXXXX XXXX. In a phone call with their investigations department, they said they would not dispute this. Citizens initially returned the money, then a couple weeks ago, the account was significantly overdrafted. XXXX told me that Discover disputed the affidavit. 

I have phone records showing calls to their pay by phone line up to 10 times per day, at hours when I was n't awake and from locations I was not in ( i.e. from Connecticut right before midnight then making a second call to them in XXXX about 30 minutes later ). 

Numerous attempts to get Discover to work with me and redeem these unauthorized debits to my account have been ignored. Discover added {$6000.00} onto my balance on the premise that it would reflect what was returned to me. However, Discover has not and refuses to return any money. 

This has affected my ability to pay other creditors, which affects my credit. I have also received a large amount in overdraft fees from XXXX.
Product: Credit reporting or other personal consumer reports

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

Santander Consumer US, a subsidiary of of XXXX XXXX  was apart of a national lawsuit involving unfair and illegal tactics handling, updated and furnishing inaccurate information regarding consumer reports and information. Please DELETE from all consumer reports IMMEDIATELY. 

SANTANDER XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a with GMFNANCIAL customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/2017 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Payday loan, title loan, or personal loan

Obtain the loan from Avant on XX/XX/XXXX for {$6900.00} with payments being made thru ACH beginning XX/XX/XXXX. I contacted Avant and requested that my due date be change to the XXXX of each month as soon as I received the payment schedule. I asked if there would be a problem and was told no. I paid the off the loan with the final {$270.00} being deducted on XX/XX/XXXX. When I checked on line last week, it showed my balance as XXXX. Then I received an email, showing the XXXX balance but stating to contact them because I still owed additional monies. I called and spoke to an operator who would only give me his first name, XXXX. I explained why I was calling and expressed my concerns about receiving the notice. He explained that when I moved my due date, they charged me {$100.00}. I asked why wasn't that explained to me and was told it's in the contract. I replied, you mean for adjusting my due date for 5 days you charged me and no one pointed that out to me when I made the request? He replied it's in the contract. I was totally upset at that point and let him know that doesn't make any sense and send me something in writing. On XXXX I received an email from Avant Resolutions stating that I now owe {$140.00} and interest will continue to accrue on my unpaid principle balance. Help!