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

I stopped by XXXX XXXX XXXX on XX/XX/2022 around XXXX, to get gas. However, I cancelled the purchase before pumping the gas ; but my funds were placed on hold by Cash App. The representative with Cash App stated that the gas store places the hold ; and the gas store representative said that the credit card provider places the hold. Either way, I reached out to the Merchant and to Cash App trying to get this matter rectified. It has been 3 days since my {$120.00} has been pending on Cash App end.
Product: Credit reporting or other personal consumer reports

To whom it may concern. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more.I am requesting a copy of the XXXX form filed on this account, XXXX XXXX XXXX, XX/XX/year>. If not I request a removal of the account. reporting a charge-off or collection claiming that I owe the debt. 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several outdated addresses that are either old or not associated with me at all. These inaccuracies have had a serious impact on my credit health and personal life, causing undue harm.
Product: Consumer Loan

This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! 
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! 
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. 
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. 
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! 
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! 

The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?
Product: Payday loan, title loan, or personal loan

I took out a payday loan with Ace Cash Express located at XXXX XXXX XXXX in XXXX, XXXX  XXXX. I have a payment plan to repay this loan. On XX/XX/ I paid the XXXX payment of this repayment agreement online on the company 's website. I authorized the payment of {$100.00} which was due on XX/XX/. On XX/XX/XXXX  after checking my bank account, I see that Ace Cash Express took another unauthorized payment of {$200.00} from my bank account. I did not authorize this payment. I immediately contacted customer service and the store 's manager. This unauthorized payment has overdrawn my bank account. This company owes me money to fix the overages to my account. I have hospital bills that are set up on autopay from my account and now overdraft fees have been accessed because of this transaction taking the money which was for those hospital bills. This is fraud and theft. The XXXX XXXX for this company is in no hurry to fix this problem, all she gives are excuses and refuses to return phone calls promptly.
Product: Money transfer, virtual currency, or money service

Netspend unexpectedly without warning close my checking account after I had filed a dispute for a partial amount of a bill I was charged an extra day on a rental car from XXXX I was only supposed to be billed for a week and I was billed for eight days as opposed to seven. Been a customer with them since 2017 and they close my account without warning after I filed a dispute and they stated that it was a security issue and my account was suspected of fraud. However, they failed to state what the fraud was or suspected suspicious activity. As a result I immediately contacted my payroll department to tell them to please pay me by paper check and I was changing banks. Because not spend gave me no forewarning of the sudden closure the payroll was unable to cancel the direct deposit in enough time and net spend rejected my deposit. I was informed no paper checks are being given out due to Covid and people working remotely. Therefore I am out {$2100.00} which is the money I need to live. Netspend still has an active account which has a balance of {$56.00} in it but they rejected my pay my company is unwilling to re-issue the check at this time and it is over two weeks since I have been paid. I have no other money available to use to live at this time. I explain the situation but they said I have to wait at least six days in order to receive a refund back to the company. I have children that I am responsible for and do not have money to even go back to work for gas. They refused to send me any type of letter in writing so that I could submit it to my creditors and explain why all my bills are delayed. Is unacceptable it is illegal in my state we are paid twice per month I am a XXXX employee a XXXX and I have no access to my money. Filed a previous complain because they close my account when its still had a balance and took two weeks to send back my balance of {$300.00}. Hi Irs stimulus payment is also due to be deposited in this account and they are going to refuse it and I can not change the account information with the IRS therefore I am not going to be receiving my stimulus and I dont believe they are making any type of changes if the account does not except the money. They are not going to be mailing a check Or the third stimulus payment. As an emergency as I am unable to feed my children or go anywhere can somebody please contact me and have this escalated I filed a formal complaint about the unexpected closing and refusal to contact me or send me a letter in writing as to why they suddenly said there was fraud on my account after I filed a dispute amounting to {$52.00}. How can he have my account with a balance of {$52.00} but say that my accounts clothes so they cant except my paycheck I dont understand when I call there is a balance in my account yet they could not except my direct deposit. Not open another checking account because they have reported this one close by consumer due to suspicious activity. I did not engage in fraud I simply filed a partial dispute.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer on XXXX XX/XX/2024 through XXXX  to an account held at XXXX XXXX XXXX XXXX  ( XXXX ) XXXX as instructed by Skrill Inc . Although the transaction was completed successfully from my end, the funds have not been credited to my Skrill account. 

Transaction Details : Sender Name : XXXX XXXX Sender Institution : XXXX  Recipient Name : Skrill Inc. 
Recipient Bank Name : XXXX XXXX XXXX XXXX  ( XXXX ) Routing Number : XXXX XXXX XXXX : XXXX Account Number : XXXX Receipt ID : XXXX Bank Trace Number : XXXX Transaction Reference Number : XXXX Transaction Amount : {$300.00} USD Currency : USD Transaction Date : XXXX XX/XX/2024 Despite multiple follow-ups with Skrill, the funds have not been credited to my Skrill account. 
Skrill has confirmed that the wire details provided by them were for XXXX XXXX XXXX XXXX  ( XXXX ) XXXX 
I have reached out to XXXX to confirm whether they received the funds and forwarded them to Skrill. However, I have not received a satisfactory resolution or response. 
Why This Is Concerning : The funds are unaccounted for, leaving me without access to the money I transferred in good faith. 
XXXX XXXX XXXX XXXX  has a responsibility to ensure transparency and accountability in processing transactions.
Product: Vehicle loan or lease

This is regarding my payment on my car loan for XX/XX/XXXX to Bridgecrest. I recently had to change my bank and updated both my payment method and the auto-pay on their website. Their website tried to use my old bank account when processing the payment causing a missed payment. The website also wiped all the data from their auto-pay section after this occurred which I believe is to cover up their error. They are now trying to charge me a {$15.00} fee for the missed payment. This is clearly a problem with their IT system and it is fraudulent to attempt to charge me {$15.00} for their system error. 

This is the second time this has happened because I had to change my bank in XX/XX/XXXX as well so that's why I know the issue very well with their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an on going problem with this company. I have a 30 day late for XX/XX/XXXX which was not late. According to TFS my payments on this account were due on XX/XX/XXXX, the car was totaled out XX/XX/XXXX and the account was paid off as of XX/XX/XXXX which means the payment for XX/XX/XXXX was not late.
Product: Money transfer, virtual currency, or money service

One USA person, He introduce scheme in XXXX with XXXX. 

He committed us if you invest money for our company we will give you profits percentage as per your investment. people give him millions US dollar but he not return. He work with company name XXXX XXXX XXXX XXXX XXXX +XXXX ( XXXX ) XXXX-XXXX his name is XXXX XXXX   ( we not no real name or .... 
he has two account one of below and other via his website ( there option money transfer bitcoin/krill/ other sources ) but now website not accessed. 

Now we request you he is fraudulent case may be he will plant to scams to others so kindly expose him and investigate him because he used US country name. Maybe he funding to terrorist account details BTC : XXXX ETH : XXXX PM ACCOUNT : XXXX XXXX app contact : +XXXX ( XXXX ) XXXX-XXXX Email : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection

After closing an account with XXXX XXXX and sending in final payment. The account was sold for a balance that does not exist. I am being harassed day in and day out by this debt collection company for a debt purchased that was already settled in full.
Product: Bank account or service

I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.
Product: Credit card

Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$29000.00} Account Number : XXXX Party Owed : American Express Amount : XXXX Account Number : XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. Sincerely, FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the address are not mine XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX and also XXXX XXXX XXXX XXXX ohio XXXX the credit bureaus do not have premission to report anything and i have the rights to my privacy!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry :XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry :XX/XX/XXXX National Credit Cards/Airlines  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 I need this information to be deleted because it is affecting me and it does not belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Final Demand with Law Verification and Cease-and-Desist Request Experian Report Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Experian Dispute Department, This letter serves as a final demand regarding the ongoing dispute and request for the removal of inaccurate information reported on my Experian credit report ( Report Number : XXXX ). I am requesting that this issue be handled without the use of e-OSCAR, and that each items accuracy is verified according to the standards set forth in the Fair Credit Reporting Act ( FCRA ) and relevant laws. 

Cease and Desist Request Please cease all reporting and communication of inaccurate information to any third-party entities until this matter is resolved. I request immediate removal of the disputed item ( XXXX ) to prevent further harm to my credit profile. 

Verification of Dispute Result I request written confirmation of the verification process for each disputed item, along with any documentation or evidence reviewed in making the determination. Additionally, should the disputed information remain on my report, I request a clear explanation of the verification method and results, as required by law.

Failure to comply with this demand may result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages. 

Please send a formal response to this letter within 15 business days of receipt. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2019, I received a letter from Debt Collector ( Kimball, TIrey & St.John LLP ) notifying me- for the first time, and in writing- that they were attempting to collect a debt of {$8400.00} on behalf of a former apartment property. However, the original creditor ( XXXX XXXX ) has committed numerous fraudulent acts in reporting any such outstanding balance. While I was a tenant, I paid my own money out-of-pocket to update and improve the dilapidated condition of the unit ; upon moving out, it was left with amenities that improved the value of the apartment drastically. For reasons unknown, the Manager alleges that there was damage to repair in the unit, even though it was in better shape than when I moved in. The creditor, XXXX and its management/owners, forged this enormous debt of {$8400.00}, in order to avoid returning the 1.5-month security deposit to me, and then they are trying to extort the {$8400.00} debt in addition. It is impossible that even the most minimal cleaning service could have found any damage to that apartment. The original creditor is lying, and I'm personally looking into civil litigation, as to not allow their greed to ruin my credit further. The original creditor lied about the cost to clean the apartment after move out, and they illegally never returned the security deposit. PLEASE, I need assistance desperately. I notified the Debt Collector that the debt is not valid, and the original creditor is in legal hot water, for all of the ills that they intentionally inflicted on me, as an ex-tenant. The callous nature of this situation has no basis, and it has destroyed my ability to obtAIN or find adequate housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX