23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I used my phone to tap and pay at a merchant in XXXX XXXX at the airport, after I used the tap and pay my information was compromised and all my money was taken. I contacted the bank and filed a dispute, and the bank rejected my dispute claiming no error was found.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reporting me late on XX/XX/20, XX/XX/20, XX/XX/20. Due to the unforeseen events surround the Covid 19 pandemic I was severely financially impacted. My employer made the decision to cut my hours and it affected my pay. I have had an account with you for a very long and ask that you remove these lates. Under the federal mandate and CARE act you are not allowed to file late notations on credit during this pandemic. You keep verifying these but you are in violation. These needs to be removed. Thank you.
Product: Checking or savings account

There was an XXXX order that I never received. I contacted XXXX and was refused any resolution. THen I contacted my bank US bank and received this letter attached. Without any explanation, US bank just straight out refused helping me.
Product: Checking or savings account

On XXXX XXXX XXXX, my wallet was stolen from me. I immediately reported the incident to the police and to the bank. The bank replaced my debit card. The person who stole my wallet had my account information and my debit card and have used it to purchase some items for {$250.00} from some stores. That money was credited to my account by the bank. 
However, the person who stole my wallet went to an M & T bank branch at XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and withdrew {$7000.00} from my account using a withdrawal slip by faking my signature. The date on the withdrawal slip is XXXX XXXX. 
The statement indicates that the money was withdrawn on XX/XX/2023. The bank claims that even though the fund was withdrawn on the XXXX, the date on the statement is the day it was posted. I was at the XXXX XXXX, MD branch on the XXXX, but the money was withdrawn from the XXXX XXXX. I was at the XXXX branch on the XXXX. to make a deposit but not to make a withdrawal. They showed me a camera footage of me at the casher window. No proof that I made a withdrawal on that date. Furthermore, why would a cash withdrawal take six days to be posted? It doesn't make sense. That is why this clam by the bank has to be investigated. Thank you for looking into this matter.
Product: Credit card or prepaid card

The Discover card was opened in XXXX. 
Around XXXX of XXXX, I took a cash advance of {$100.00}. 
When I made this transaction, I thought a cash advance was considered a transaction like a purchase. 
While making payments on the credit card balance, I thought the cash advance was being paid with my monthly payments. I didn't realize there is a separate interest charge for cash advances. 
Over the course of 17 years, none of my payments have gone to pay this cash advance. Apparently, none of the monthly payments made are applied to the advance, until the balance of the purchases is paid in full. 
This {$100.00} cash advance now shows as a balance of {$8100.00}. All interest charges for the {$100.00}. 
This account is enrolled in auto withdraw from my bank, and I rarely use the card. 
When I was declined to make a purchase recently, it caused me to go back and look at my statements. 
This is where I saw the outstanding balance for the Cash Advance, that I am now over my limit, and my payments are continuing to increase monthly due to the interest. 
Being over the limit is now being reported to my credit report and my score is being affected. 
Initially I thought I was a victim of fraud. 
I reached out to Discover to discuss this issue. This is when I realized that I was not a victim of fraud but was a victim of predatory lending. The {$8000.00} was a result of the {$100.00} cash advance. 
I was told their records only go back 7 years. The best they said they could do was credit me back 3 months of interest paid on the advances and offered to put me in a payment plan. 
I do not abuse my credit cards ; I only have a {$910.00} purchase balance on the card. 
My payments are always made on time. 
If you look at the last payment made of {$220.00}, {$200.00} went to the cash advance interest, only {$13.00} went towards the interest for the purchases. At this rate, the advance will never be paid off. 
Each month my minimum payment continues to increase. 
If they can not document the XXXX cash advance made, how can they continue to charge interest on it?
Product: Credit card

I made a purchase with my credit card on XXXX using a promotional rate of 0 % APR. According to the first statement balance, " TO AVOID PAYING ACCRUED INTEREST, YOU MUST PAY THE {$3600.00} BALANCE OF YOUR PROMOTIONAL PLAN 12 MNTH DF INT PY RQ IN FULL BY XX/XX/XXXX. '' Since that time I have paid the balance monthly without any delays, hence I shouldn't have incurred interest. 

However, Comenity Bank started charging me interest on the statement balance closing date of XX/XX/XXXX. The value of the interest was {$69.00}. 
I paid the full balance ( {$2800.00} ) on XX/XX/XXXX, which includes the interest above, to avoid it from happening again. 
In the statement balance closing date of XX/XX/XXXX, they are charging me another interest of {$33.00}, which doesn't make any sense as I already paid the full balance. 

I got in touch with Comenity over the phone on XX/XX/XXXX, and they instructed me to explain the situation via their message website. The person over the phone was unwilling to open a dispute. 
I sent a message on Comenity 's website on the same day ( XX/XX/XXXX ), asking to open a dispute. 
Comenity replied on XX/XX/XXXX, saying that I should open a dispute, which I thought I was already doing so. 
Today ( XX/XX/XXXX ), I'm opening disputes regarding both interest charges. I'm afraid that even when I clear the full balance, they keep charging me interest and this will go on forever. 
I want to end the relationship with Comenity and have a refund for both interest rates.
Product: Checking or savings account

Every month since opening account the days I receive my funds change I complain to the bank and no resolution I have disputed transaction all of everything I disputed never came back in my favor with evidence. Ive applied for the settlement havent heard nothing from that Im just tired of the malarkey. They are very unprofessional and they all sound like scammers
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed a transaction with my bank for which I didn't receive goods or services for and my bank denied my dispute without investigating. They didn't ask me for supporting documents and there wasn't even an option for me to describe what happened. I was just able to tap a couple buttons to file the dispute and within a couple days was notified that my dispute was denied. I even tried to appeal the dispute but to no avail. No one from Truist reached out to me to ask me for me details or any type of evidence to support my claim. No type of communication from Truist whatsoever.
Product: Debt collection

I was a XXXX bundle customer and I have terminated my contract prior to XXXX XXXX, XXXX due to a transfer of residence. Months after, I got calls from a collection agency for XXXX saying hat I owe them {$100.00} and some change for services rendered on XXXX XXXX, XXXX to XXXX XXXX, XXXX. For an address that I am not living in anymore. They are charging me for services we did not use. When we called them about it, they said they will fix it and make sure it 's taken care of. Today, XXXX XXXX, XXXX, I am applying for a new lease for a new property and that amount shows up in my credit report, essentially increasing my deposit requirement!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the XXXX Credit bureaus. 
XXXX, XXXX, and Transunion are not Metro2 Compliant.
Product: Credit card or prepaid card

US Bank through XXXX did not send me a bill for last month and then proceeded to charge me a {$29.00} late fee. I called them to report it and they did not reverse the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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.
Product: Debt collection

I've had a representative contact IQ international data multiple times to try and get a validation letter sent and attempt to resolve the issue. This company verbally agreed to honor a pay for delete agreement. Letters are now being returned in an attempt to get this agreement in writing. Any time they are called now, they continue to transfer the call until voicemail is received and calls are never returned. This remains on my credit report for another 2 years.
Product: Checking or savings account

In XX/XX/XXXX I opened a checking account with the Bonus 400 promotion through capital one. 

The requirements were to " Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' two deposits went into my account XX/XX/XXXX, by ACH from an outside banking institution ( XXXXXXXX XXXX ), in the sums of {$400.00} and {$600.00}. 

Per their promotional offers, the bonus should have been deposited in a sum of {$400.00} to my account by XX/XX/XXXX. 

on XX/XX/XXXX I called and first was told that my bonus deposit was ineligible because of a mobile banking transaction, then when speaking with a supervisor I was told it was ineligible because it was initiated online. 

Neither stipulations were spelled out or excluded on the bonus page rules, and I followed all requirements to qualify for the bonus yet they still refuse to pay it. 

spoke with employee " XXXX '' on # XXXX who refused to honor the deposit bonus and closed the account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i sent in a dispute letting Experian, XXXX, and XXXX know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the tradeline account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid off as agreed and requested that the balance be disputed again for the XXXX time. Experian opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my XX/XX/XXXXXX/XX/XXXXAgreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid off as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXXXX/XX/XXXX Involved with this case.
Product: Checking or savings account

Reference my previous closed complaint against Chase and all of its affiliates that admitted they had been sending unsolicited mailings to my address. In their response dated XX/XX/21 they promised that in 90 days the mailings would stop. Today I received another harassing unsolicited offer from Chase to open a checking account. 

I want Chase and all of its affiliates banned from further solicitation with me. 

Thank you XXXX XXXX
Product: Debt collection

Fair Collections & Outsourcing, known as FCO.

FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct.

I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt.

FCO has NOT shown they have the right to collect the ALLEGED debt.

FCO has NOT shown the ALLEGED debt is mine.

FCO has NOT shown the amount is accurate. 

In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).
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 XXXX credit bureaus must validate these accounts : XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.
Product: Credit reporting or other personal consumer reports

Wells Fargo is missing from my credit report. Prior to my bankruptcy Wells Fargo was on my credit report from the first payment made in XX/XX/XXXX to XX/XX/XXXX, now they are completely missing.
Product: Debt collection

I have called and written several emails Im regards to every time I have been treated at XXXX XXXX  XXXX I have ALWAYS carried health insurance and provided that information they NEVER send a bill they wait until they send items to collections. Then insurance can not Be used this has been done to be as well as many members of my family and friends of mine. I do believe I should have my credit destroyed and ruined by their poor customer service and awful office billing process. I am a single mom trying to buy a house and I can not keep paying bills that my health insurance I pay would cover its robbery. 
Everyone who works at United consumers inc is everything but helpful and the agrees to delete the info at one point only to send me nasty letters in the mail harassing me on phone
Product: Checking or savings account

I have keep sufficient funds at Wells Fargo for my accounts to inclusive of their PMA Premier Checking. The advantage of PMA Premier checking is that there are no wire transfer fees.

Recently I noticed that a wire transfer fee was charge to my account. I discussed this with Wells Fargo customer service and they agreed that I have a PMA account but they would NOT remove the wire transfer fee. Terrible customer service officer and considering closing all my accounts with the bank I have been using for XXXX years.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, & XXXX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.
Product: Credit card

Wells Fargo again. They can't treat me any better, disrespectful, rude, transferred around and always defensive customer service representatives and higher level people. My bank contacted with a letter saying I did not authorize any payments, need be refunded back, TOLD WELLS FARGO CHECK ONLY BE RECEIVING FOR PAYMENTS. Unauthorized personal loan and credit card, which wells fargo can't get thru heads. The security officer fr XXXX XXXX calls me and accused me of acting threatening, well I'm threatened by this company and their departments. Wells fargo blames, accuses, make me the XXXX and bad guy of situation. I still see no refund of Unauthorized payments to wells fargo credit card. my case worker # XXXX still can't return calls or there agents can't send the message to contact me, never happens. ALL THE PAYMENTS FROM XXXX XXXX NOT MINE AND OVER {$5700.00} NEEDS TO BE REFUNDED STILL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I began to receive emails and phone calls from XXXX. I have never used XXXX, so I assumed these contacts were fishing attempts. Later I discoverd that XXXX had pulled up a deliquient account from XXXX, with my name and address on it. They explained to me that the bank who had opened the account in XXXX is no loner in service, but in XXXX they reinstated this transaction. Apparently someone opened this account, but left it with a deliquent balance. I have made dozens of calls to XXXX, made contact with at least 6 account managers and investigation personal, and no one seems to bring me to a full knowlege of anything about this fraudlent account. I was finally told by a gentelman named " XXXX '' that the case had to go to the " back office '' to be resolved. In the meantime I have only received " Claim Review Completed '' letters, stating my claim is not approved because I " authorized, participated, or benefited from the purchase. '' I have come to the conviction that this response will only be repeated again and again. 
I know that this is an unauthorized fraudlent account for many reasons. In XXXX, when XXXX claims I opened this account, I was a full time, inner-city missionary in XXXX. I lived in a mission compound in a very depressed section of XXXX, serving the needy in that community. I did not own a computer or have any knowledge of XXXX. I did not own a home, apartment, automobile, and rarely shopped. I did not even receive pay or salary. I lived by faith and was a full time volunteer. Later in XXXX, began to teach school, and worked in the XXXX XXXX XXXX with displaced teens. I now work at XXXX University Prep Schools with at-risk kids. 
My credit report shows that I have never had a deliquient account, except this, which somehow, after 15 years is now appearing. I am in the middle of applying for a mortgage and my credit score has taken a hit, and it is imperative for this to be removed immediately, as it restricts me from qualifying for a conventional loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX An unlawful account was created on XXXX XXXX and added to my credit report XXXX XXXX XXXX this account was illegally added to my Credit Report I am writing to dispute the inclusion of Child Support Delinquent Child Support Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 
I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXXXXXX. I have enclosed supporting documents supporting the inaccuracy of these entries. 
Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the DISPUTED ITEM from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, La XXXX XXXX : XXXX XXXX XXXX XXXXXXXX