23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I had applied for a payday loan and when I notified them of their interest rates I agreed to pay XXXX a month 5 months by money order. When I sent the first money order they said they never received it and I told them I would check on it but no pay anything else until XX/XX/XXXX. They are not licensed in my state and I did owe XXXX so I told them I would pay that monthly but I am enclosing an email with threats and I am assuming it is from Spotloan because the loan company they list I have not dealt with. When I tried to reply to this email it was blocked. I do not appreciate being threatened by a lender that I had agreed to pay and they tell me they did not receive my money. I am attaching the email for your review. I can not respond to the email attached nor can I discuss. Please not that Spotloan is the only loan that I had and I discussed this issue with individuals before I have no idea who this actually is but I do n't appreciate being threatened and I tried to work out the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 Balance : {$18000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My Wells Fargo account was closed with XXXX in it. Because I received my ppp loan itnto my account. 
Still have no received my funds from closed account
Product: Credit card or prepaid card

I had a credit limit of {$1800.00} at QVC. I had inadvertently missed a payment in XXXX of 2021. I had thought my due date was around the XXXX of the month but it in fact was the XXXX of the month. 
I called on the XXXX and got the {$35.00} late fee waived and then made a payment of {$200.00}, I then made an additional payment of {$100.00} on XX/XX/2021. In that time frame from the closing date of the XXXX or XXXX of the month I had my credit limit reduced by {$750.00} because I was late with one payment. 
I'm usually on top of my bills and try to pay more than is requested and pay before the due date. 
However the past few months have been trying and though I didn't tell Synchrony Bank, which has done this to other accounts I have just reduce the credit limit either because I was late or I don't know why. 
My mother had to be rushed into XXXX for a XXXX due to a XXXX XXXX XXXX XXXX XXXX. So my mind was someplace else. 
I don't remember getting a letter but if I did, it never comes out and says we reduced your credit limit because you missed a payment. 
I talked to 2 people today XX/XX/2021 at Synchrony Bank, one was a telephone rep and the other was an account manager or specialist. My call was recorded so I would suggest you request the call tapes for today XX/XX/2021. 
I called Synchrony bank at the phone number on the back of my XXXX. The number is XXXX XXXX XXXX XXXX, it was placed at XXXX XXXX  PST and lasted for 10:31 Minutes. 
The account manager or account specialist stated that the reason my credit limit was decreased was because I missed the XXXX payment, and because I was charged a {$35.00} late fee. 
If I wanted to have the credit limit restored I would have to give my financial information again and though I'm almost perfect in meeting my due dates for payment I have been late and been assessed late charges, so I feel I wouldn't be given a fair shot at having my credit limit restored. I want the credit limit restored based on my histroy with Synchrony and my payment history.
Product: Credit card or prepaid card

There are 13 fraud charges from uber trips between XXXX on my CITI credit card . I was contacted by CITI fraud department on XX/XX/2021, and I disputed all these charges from XXXX as I didn't use XXXX for months. After several weeks of security investigation, only 12 charges were refunded. 

2 of the 13 charges have same amount {$48.00}, and I only get 1x refund for {$48.00}. So I opened a dispute " unrecognized charge '' on the second {$48.00} on XX/XX/2021. I didn't see any update after 2 weeks, so I called CITI on the beginning of XXXX. The agent heard my story, and confirmed I have 2 fraud charges of same amount, but I only got one refund. She issued a credit of {$48.00}. 

On XX/XX/2021, I got email from CITI said " My dispute has been resolved '' and " view my message ''. But CITI secure message center said I have no message. I also noticed there was a charge of {$48.00} on the card as " reverse uber trip ''. I had no idea what's going on, and called CITI again. The agent said they would investigate. 

Another 3 week passed, nothing happened. On XX/XX/2021 I use live chat to talk to CITI. 
And I finally figured out : 1. My dispute was resolved as " the merchant denied the refund request and you must request the refund directly from the merchant ''.

I explained to the agent my disputed charge is fraud, I don't have any trip under my XXXX account on these days and I got all the rest XXXX trips refunded. Why this one is so special? 

2. Then I learned that " In the case of fraudulent transactions they shouldn't be disputed at the security investigation process is different from the payments disputes process. '' However, CITI website only supports opening dispute as payment dispute. I filed dispute as " Unrecognized charge ''. Customers don't have option to open security investigation, and I clearly stated these are fraud charges in all my calls with CITI. 

3. When I asked the agent how to get refund then, I was told " If you'd like I can refer the second transaction for {$48.00} to the security team to review. However I can't guarantee they will provide a credit for that transaction as it has already been disputed. '' This is so ridiculous, CITI security team missed one fraud transaction first, then later multiple agents were unable to help customer to file the correct dispute, and last customer were told we might not get credit because it was disputed incorrectly? How would customer know all these difference between fraud dispute and payment dispute? We see unrecognized charges, and we dispute it under this reason.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian, XXXX, and XXXX to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to Experian on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've contacted Huntington bank 4 times attempting to close my account. ( They bought XXXX and my account was moved to Huntington ). They will not close my account until I have a XXXX balance. I attempted to send myself a check from their site to XXXX out my account and now they are holding it indefinitely. I can't get my money out. And they will not let me close the account. 
The hold times on the phone have ranged from 40 mins to two hours. Branches are understaffed and lines are out the door. 
I just want out.
Product: Money transfer, virtual currency, or money service

I searched on XXXX for XXXXXXXX XXXX  and was pointed to a website I legitimately believed was XXXX. The website was XXXX whereas the authentic website is XXXX I proceeded to buy a gun from the fraudulent website and sent my money via XXXX as the spam seller requested, this was a total of {$450.00} on XX/XX/XXXX. I received an email stating the transaction was approved and on XX/XX/XXXX I attempted to reach back out to the company in an attempt to give them the contact info of my chosen XXXX dealer, the emails started to bounce back ( there are also photos of this ). This was when I realized that this website was a faked, copycat website. I attempted to report it to my bank immediately when I realized a company I was dealing with was committing fraud and pretending to be a firearms dealer that has been in business for over 80 years and is a very well-known company all over the world. As my bank, I expected them to help protect me. I was told to wait until the money posted and then got a letter stating that because I initiated the transaction, they weren't refunding me my money. I reported the transaction immediately, expecting my bank to help me and they did nothing. This bank did not protect my money and could care less even after proving all the reports I filed about the fraudulent claim. It's sad that after almost a decade of business with me and my family, I don't seem to matter. I did report the fraud activity to the Federal Trade Commission, the Georgia State Commissioner, and the XXXX XXXX XXXX 

After reporting it to the XXXX Truist said they would look into it and I received a letter stating they couldn't get the money back so I wouldn't be getting it back either. Seriously? The company literally stole my money, how is that even an attempt at a resolution? 

All of the information provided can be proven with screenshots and images. I also have the name of the original Truist rep we spoke to and the complaint number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Never notified about a insufficient funds check that came back they purposely waited 30 days so I could acquire interest and also generate more fees, this severely impacted my credit as no calls, no sms and no mail was sent to let me know that account was late, tried to resolve it with them and all they told me was too bad deal with it its not our job to tell you to pay your bills, this seems unethical and it seems it was done in the benefit of capita one
Product: Debt collection

I don't recall having a contractual relationship with this collection company ALL DEBT SOLUTIONS INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

Dear [ Transunion and CFPB ], I am writing to formally dispute several discrepancies found in my credit reports from TransUnion regarding account number XXXX. The inaccuracies present in my credit report significantly affect my creditworthiness and financial stability. 

**Discrepancies Identified : ** 1. **Duplicate Reporting** : The account appears to be reported multiple times across different bureaus, which could mislead potential creditors about my credit history. 

2. **Inconsistent Reporting Dates** : - The " Last Reported '' date ( XX/XX/year> ) and " Date Last Active '' ( XX/XX/year> ) show conflicting information, leading to confusion. 

3. **Confusing Payment History** : - The payment history appears cluttered and unclear, with repetitive entries that fail to present a straightforward overview of my payment behavior.

4. **Incorrect High Credit and Credit Limit** : - There are inconsistencies in the reported " High Credit '' and " Credit Limit, '' which can misrepresent my credit utilization.

5. **Missing Information** : - The report lacks clarity regarding past due amounts and payment status, which are essential for understanding the account 's status. 

These discrepancies not only misrepresent my credit history but also undermine my ability to secure necessary credit. I have made several attempts to resolve these issues directly with the credit bureaus, yet I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these inaccuracies and provide me with a written response detailing the findings. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX
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 reinvestigation of disputed information credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has be recently filed a lawsuit against Experian, alleging systemic 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 Experian 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 remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states consumer reporting Agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my XXXX Credit Card account was {$10000.00}. I made a payment of {$370.00} on XX/XX/year> and additional payment of {$5000.00} on XX/XX/year> which reduce my balance down to {$5400.00}. They reported to all three credit bureaus on XX/XX/year> that the balance was {$10000.00}. This is XXXX! I contacted XXXX on XX/XX/year> and spoke with XXXX ( employee number XXXX ) she refused to update the credit bureaus and correct the fraudulent balance they reported. Said I had to wait until XX/XX/year>. For the last 22 days they have been defaming my character with the credit bureaus stating that I have use XXXX % of my credit, making my score drop to XXXX. This is wrong and outrageous what this company does. The blantant fraud they commit and blatantly refuse to correct this error. They must be investigated for their abuse and fraud.
Product: Vehicle loan or lease

XX/XX/XXXX I sent a handwritten check payment overnight through the USPS with a receipt of proof. GM fiancial started sending me late, no payment received notices on XX/XX/XXXX. On XX/XX/XXXX I called customer service and I sent an email to cxo.resolutions@gmfiancial.com showing the payment was withdrawn from my account on XX/XX/XXXX. I spoke to customer service to get the email on the 12th. I then spoke to customer service 2 more times and sent an email to XXXX XXXX showing proof of withdraw. I never heard from anyone until I recieved another late payment notice in XXXX. ( my statement is how I was contacted ) Again 3 more phonecalls and numerous complaints on GM complaint site, no one was willing to help me. Each customer service rep kept telling me they needed an entire bank statement in order to solve this matter. I sent a third proof of payment again on XX/XX/XXXX after someone in the complaint department reached out. For the first time, I was told the proof could not be an aldered bank statement, nothing blacked out, they must see everything including my deposit and withdraw of payment. XX/XX/XXXX Two more phone calls, one hung up on me, one CSR laughed and put me on hold when I asked for a manager. XX/XX/XXXX My federally insured bank sent proof to me to send on, but GM said it was unacceptable. At my wits end I went back to the post office and they helped me track the bill. IT was delivered and signed for ... XX/XX/XXXX ( MY GM dealership helped me track it down and see who and where it was delivered ) XX/XX/XXXX After a lengthy call ( 1 hour 20 minutes ) I was told the only way to solve this was to give them a rolling bank statement. Through my dealership I found that XXXX is the bill pay company. Finding them on the web and calling, phone disconnected but I found they were bought buy XXXX, which I have tracked down myself. XX/XX/XXXX I called XXXX  to share my concern of the missing payment and thank goodness someone there was willing to help. XX/XX/XXXX ccording to XXXX they are working with GM to find my payment. It has been 10 phone calls to GM, 2 to XXXX XXXX, 3 emails of proof, numerouse complaints, and 4 months of searching .. still no resolve and it is hurting our credit report! I am angry and frustrated that GM treats their customers this way and they have a right to my entire bank statement!
Product: Money transfer, virtual currency, or money service

Formatted phone couldn't access account Accidentally click locked thinking it was unlock by text " Account is disabled '' please contact support Submitted ticket XX/XX/18 and made calls almost throughout the months No resolution or care about issue No response to e-mails always get same response " specialist or escalated ticket '' They have my all money tied up so I'll taking losses as it goes since its cyptocurrency I am unable to close account, move funds, or transfer to new account I did nothing wrong, illegal, or unauthorized access to be investigated for this LONG Offer to provide ID, SSN, ALL transactions, and whatever info they need to PROVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

I am unable to link my XXXX  XXXX  with my checking account and I used to be able to.
Product: Money transfers

I sent {$250.00} to an elderly relative in XXXX. When they went to pick up the money at XXXX in XXXX, XXXX, they were informed that the money had already been paid out. My uncle never received it and obviously the Bank did not check that the whomever received it had the proper identification. Ever since I started the complain, XXXX has been sending me back and forth to telephone Representatives with no power of decision. I eventually talked to an " Investigator '' who afterward did not respond my calls. Today, more than a month after sending the funds, I still can not recover them or have them disbursed to my uncle.