23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/24 I applied for a Wells fargo card because of there 0 % for 21 month advertisement. I was approved for {$13000.00} ( same day ). I was also able to set up a balance tranfer right away. I took this opportunity to set up a balance transfer of XXXX to my XXXX XXXX XXXX. I received a " success '' notification upon submission. When I contacted Wells fargo a few days after approval, I was informed the process would take up to XXXX weeks. I recevied my physical card in the midst of this time frame. When I checked my Wells Fargo account online on XX/XX/24, I noticed the balance transfer was processed on XX/XX/24. I immediately checked my XXXX XXXX to verify. My XXXX XXXX balance did not show any funds applied from Wells Fargo. I called XXXX to verify their process for accepting balance tranfers and if anything was pending for my account. I was informed that once they receive a payment they apply it immediately and that there was nothing pending for my account. I called Wells fargo immediately in an effort to find out where the funds were sent. I was met with " customer service '' agents who could not provide any information which was quite alarming. They instructed me to open a case so that they could research what had occurred. This case was " resolved '' a few hours later via an email stating I am responsible for the funds. There was no answer to any of my other questions which further alarmed me. Once I read the email, I immediately called again and was informed that I would have to open another case since that one was " resolved ''. I detailed my questions ( yet again ) and it was submitted. I called the morning of XX/XX/24 to see if it was assigned which it had not been at that point. I spoke with XXXX in the executive office who said she would escalate this case and try to get it assigned faster. As it stands, I still have a {$12000.00} outstanding balance with Wells fargo that I am responsible for. I came to them because of their advertisement and now have double the debt with no real help or information. I am concerned what they will do with my personal information seeing how they are handling me in this specific situation.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Credit card

My wallet was stolen this afternoon at XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX, with driver 's license, social security card, bank debit card, and credit card. Fraud purchase was made at XXXX XXXX store. on XX/XX/year>. between XXXX XXXX XXXX XXXX. I called bank XXXX and Chase credit card company to report card lost and stolen. Police report was filed at the XXXX police department. case # XXXX
Product: Checking or savings account

XX/XX/XXXX I was contacted by rep from XXXX XXXX XXXX XXXX in response to online inquiry for cross country moving services. I was given a quote and went over details with rep as to dates and what was to be moved. I called back later to finalize and make the first of three installments ; a customer payment is what was told to me and labeled on contract of the amount of {$570.00}. 
I made this payment by what I assumed would be a direct debit. XX/XX/XXXX I became aware that the company or rep I was dealing where not following threw with legitimacy of this move and or providing me reinsurance of dates contracted. 
A unamended driver and company called me on XX/XX/XXXX requesting different forms of payments for other two installments. On XX/XX/XXXX I wasn't able to get ahold of moving Rep I previously spoke with so I called Discover bank to report this. I then became aware that the payment came out of my account as a drafted check that had an image and wrong address printed on it. I raised my concern of this with discover bank rep on this call and promptly had them fully change my account numbers. I continued trying to get ahold of the withdrawing company of XXXX XXXX XXXX to address refund cancel accuracy of their company with no prevail and blockage of me being able to message them. From XXXX I called discover bank back several times to explain all circumstances. I asked for a charge back or help in reversing this illegitimate non receipt of service charge and every time and step of the way have without full explanation by them been told by discover bank that they can't do anything to refund me.
Product: Credit card

Company : SYNCHRONY AMOUNT : XXXX $ & XXXX $ and additional NSF for ACH trying to withdrawal. 

DATES : XX/XX/2023 & XX/XX/XXXX COMPLAINTS : Around about XXXX of 2023 I got a sudden notification that my account had been closed for CARE CREDIT whom I had the debt with. Now SYNCHRONY is the parent company and arbitrarily closed the account even though my payments were on time and current. Then after they closed it, they just went into my account without permission and started taking ACH withdrawals. I did not authorized this.
Product: Credit card or prepaid card

This is a Banking Practices Consumer Complaint involving a repetitive practice engaged by First Citizens Bank credit card payments by check. 
Checks submitted in payment for VISA card debt to First Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX are not being processed in a timely fashion, thereby passing the statement closing date and being assessed additional interest on the unpaid balance. 
Case in point : a check submitted for payment in full on XX/XX/2021 with an account closing date of XX/XX/2021 was not processed by the statement closing date of XX/XX/2021 and was finally posted on XX/XX/2021, thereby accruing additional interest for the additional days in cycle. 
Please note that First Citizens Bank is not the only bank engaging in this practice to collect additional interest on " past due '' accounts. Some are also charging a late fee in additional to the accrued interest.
Product: Debt collection

I never opened an account with captain one ever in my life! I have been a victim of identity theft since 2015. Dispute whatever capital one believes Ive never opened and account with them and I will fight this until my last breathe! This account was opened fraudulently!! I have several police reports stating that my identity was stolen by who I believe is a family member. I am not responsible for this account whatever so ever I have filed multiple disputes and now I will be hiring a lawyer to further assist me with this issue Im having with Capital One.
Product: Checking or savings account

I am writing to formally complain about the mishandling of my request to close my checking account, which has resulted in an unjust charge being applied to my account. 

On XX/XX/year>, I requested the closure of my checking account. Despite receiving confirmation that the closure request was processed, I was surprised to receive a statement indicating a {$15.00} fee was charged to my account. This fee was unjustly applied after my account was supposed to be closed. 

To make matters worse, I received a bill demanding payment for this fee. This situation is unacceptable and has caused me significant inconvenience and frustration. 

In addition, I was advised by the customer service rep that they had a no fee checking account that I could switch to, which is a student account. I told him I wasnt a student so I dont understand why theyre trying to put me into that account category.
Product: Credit reporting or other personal consumer reports

The disparities in your reports indicate more than just errors ; they also point to a worrisome lack of diligence on your part. These mistakes cast doubt on the foundation of trust that users of your institution, like myself, rely on. Reporting accuracy is essential. Not to be considered as just another box to tick. 

XXXXXXXX XXXX : I am forced to contest the veracity of the data pertaining to my profile in order to preserve the strict guidelines of data integrity and accuracy. I require a thorough examination to guarantee its precision, entirety, and promptness. Any oversight is unacceptable considering how important these data are. In the event of any deviation, it becomes critical to delete the false account right away. 
XXXX : The credit reporting guidelines set forth are legally binding requirements, not just suggestions. Deviations jeopardize your credibility from the ground up, no matter how small. I demand that these guidelines be strictly followed. The discrepancies I discovered in my report should be addressed and removed right away. This is absolutely necessary, not just convenient. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) : After conducting an extensive analysis of CDIA benchmarks, it has become apparent that there may be discrepancies in the representation of my account. You now have the duty to confirm the accuracy and integrity of this data. If any evidence is not provided to support its authenticity, it must be removed right away to guarantee that the veracity of the information is maintained.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to create a Zelle account using my legally owned phone number, ( XXXX ) XXXX. During the setup process, Zelles customer service informed me that an account already existed under my phone number. I explained that I am the current legal owner of this number and requested that the unauthorized account be removed so I could set up my own account. 

The Zelle representative confirmed my ownership by sending a verification code to my phone, which I successfully provided back to them. I was then assured that the unauthorized account was removed, but I continued to encounter issues when trying to create my account, and the unauthorized account remained active under my number. 

On XX/XX/year>, I called Zelle customer support again and was escalated to a service level 3 supervisor named XXXX. Despite my explanations, XXXX refused to provide further assistance, stating that the account linked to my number was created before I took ownership of it and could not be removed. He declined to accept my phone bills as proof of ownership and even refused to send a verification code to my phone, claiming it would only prove I have the customers phone hostage. This response prevented me from using Zelles services, leaving my number tied to an account I do not control. 


Supporting Documentation : I am prepared to provide any necessary documentation, including recent phone bills, to confirm my ownership of the phone number. 

Thank you for your attention to this matter. I hope for a prompt and fair resolution.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS ARE REPORTING INCORRECT INFORMATION THAT IS RUINING MY REPUTATION.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX account XXXX XXXX Reporting this late payment from XXXX XXXX XXXX is in violation of the FCRA and XXXX Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XXXX and XX/XX/2024 you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XXXX and XX/XX/2024 be Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports!
Product: Credit reporting or other personal consumer reports

This complaint is to inform your company that I want to dispute the following items below on my credit profile. Did you see that the other company 's was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX, & XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. Your company can be next to be SUED. 

Your company Equifax reports the same information. I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate, and the outcome be removed today!
Product: Payday loan, title loan, personal loan, or advance loan

XXXX was paying off my credit cards with lower interest rate. With a monthly payment made by myself. They closed and passed off the loan to sst without my knowledge. I thought that sst was a scam. How am I responsible for XXXX to pay off credit cards to help lock in lower apr. that was never paid on my behalf? Why do I owe a company I never agreed to sign up for but now saying I owe over XXXX for money that I never received and XXXX for money that was never paid to my credit card agent? I have been scammed.
Product: Debt collection

I recently sent a packet of Notices to you DISCOVER BANK to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve XXXX XXXX XXXX XXXX, will show a total bank liability to me In the amount of {$22000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again DISCOVER BANK you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the XXXX XXXX XXXXXXXX XXXX Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to XXXX XXXX XXXX XXXX and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession. 
15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act.

15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation
Product: Money transfer, virtual currency, or money service

I am filling 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 actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I pay {$450.00} per year for Amex 's consumer credit card, the XXXX XXXX XXXX  card. The terms of the card is that in return, I will receive a XXXX point free night certificate every year between 8-12 weeks of my account opening. I opened this credit card on XX/XX/XXXX, which Amex has confirmed and acknowledged. XX/XX/XXXX was my 1 year account anniversary. 12 weeks, the maximum time a customer should have to wait to receive the certificate, was XX/XX/XXXX. I STILL have not received the free night certificate, which was promised to me per the terms of paying this high annual fee. I have tried to escalate my case with Amex, and they brush me off saying my dates are wrong, work it out with XXXX, etc. 

Their customer service reps are awful and can't resolve my case. I'm holding up my end of the bargain. Why is Amex dishonoring the terms? As a result of their tardiness, I'm unable to book the hotel that I'd planned to use the free night certificate for. I'd have been better off never paying for this card 's annual fee in the first place and booking my hotels on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly secure more than enough information needed to steal my identity and left it vulnerable all in one place. After this they failed to notify me of it for 30 days. I have not ever used Equifax directly however they still have all my personal information and have failed to secure it.
Product: Credit reporting

For a few years, I have not been able to get Experian to supply my credit report. I 'm not able to pass the verification process for just that report and I presume because of identity theft of some kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I field a dispute with all  XXXX  major credit bureaus about removing  a Public Record in  which shows inaccurate data. EQUIFAX reported the information has been updated however  XXXX  and  XXXX  has removed the public record.     I 've made a good faith attempt to resolve with no luck hence I am pursuing a formal complaint.      XXXX   XXXX   XXXX .
Product: Debt collection

This company is trying to collect on a debt that is not mine. I do not know this company. 

according to FCRA XXXX this debt must be deleted or blocked within 4 days as of the receipt of this complaint