23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I owed Discover Card money and I was having difficulty paying my bills. I was able to pay every month but sometimes it was not the required amount. In XXXX, I paid after speaking with XXXX of their representatives, however, I received a phone call 5 days later to pay the money owned. I find this to be annoying and I stated to Discover Card that nothing miraculous happened in the five days since I paid. I did not get a job or win the lottery. I thought this was harassment and I requested no phone calls. The same thing happened in XXXX and I had to call again about no phone calls and I was told that it was not documented when I called in XXXX. I was told the phone call restriction was put on now. I realized that Discover was not honoring requests for no phone calls. 
Since I was on the phone with Discover, I said I had some money and would like to settle the account and get it off my desk. I was given a settlement for {$800.00} due by XXXX XXXX. I did not have all the money but said I would work on borrowing from my sons because I wanted to finish up with Discover and I could not see any positive changes coming up in my financial situation. I asked for the offer in writing. I asked if I could send a money order and was told " no '', it had to be done electronically. I gave the representative my friend 's fax number and said I would call up and pay as soon as I had the money, if I was able to borrow it, and complete the transaction. I received the fax that day, and obtained the money by the end of the week. I went to my bank ( XXXX ) and deposited the cash on Saturday. I called my bank today and the cash was available and I called Discover Card. I was told that I did not have to call because the payment of {$800.00} was already set up with my bank account at XXXX XXXX. I did not give the authorization for the money to come out a bank account that I used before with Discover. I was using a different bank account to make the settlement payment. I was furious that Discover took it upon themselves to set up this payment at XXXX XXXX without my authority and it very well would interfere with other things I was paying. I asked for a supervisor. XXXX came on and said she was going to listen to the tapes to verify that i authorized them to automatically take out the payment. I said there was no way I authorized it because at the time of that phone call I did not have all the funds and was unsure if I would have them by the end of the month. I called back and spoke to supervisor and was given an " I 'm sorry '' but that was it. I did find out that the team gets some type of credit if they collect and I think this may be an incentive for aggressive tactics. However, setting up a payment without customer 's authorization is wrong. I feel vulnerable since I have used the XXXX XXXX account to pay online and over the phone and this information has remained with them. I probably should close out the XXXX XXXX account but I have other bills going through it and they have not yet been processed. This leaves me in a very uncomfortable situation and I do not see how this can be legal. Thank you.
Product: Checking or savings account

I am writing to formally file a complaint against Marcus Bank ( managed by Goldman Sachs ) regarding two recent transactions involving my savings account. 

On XX/XX/XXXX, I requested to withdraw {$50000.00} from my Marcus savings account. However, the bank reversed the transfer without providing any explanation. When I contacted the bank for clarification, I was informed that they could not provide any further information regarding the reversal.

Additionally, on the same day, I attempted to withdraw {$50000.00} from my Marcus savings account to deposit into my XXXX account. The bank blocked this transaction, stating that they needed to verify my identity. I confirmed my identity over the phone when the bank contacted me. Despite this, they now claim they need to verify my account ownership with another bank. 

These actions suggest a policy where money can be deposited into the account but not withdrawn, which is causing me significant inconvenience and preventing me from accessing my own funds for trading and other purposes. 

I am requesting immediate resolution of this issue. Given that happened, I am planning to move all my funds out of Marcus Saving account and cease any further business with this institution, I do need them to let me access my own money ASAP.
Product: Checking or savings account

On XX/XX/year>, I submitted a request for a payment made to my Regions Bank credit card to be reversed and returned to my Regions checking account. I was told that the process would take no more than 10 business days. 

However, as of XX/XX/XXXX, XXXX business days laterthe funds had still not been returned. 

Throughout this period, I was given multiple incorrect timelines by different Regions representatives : On XX/XX/XXXX, I was explicitly told that the funds would be back in my account by XXXX XXXX did not happen. 

When I followed up on XX/XX/XXXX, I was first told to " check back in the morning. '' After pressing further, a manager finally admitted that the transfer was not processed until XX/XX/XXXX. 
This means that for over two weeks, I was repeatedly given false information about the status of my money, causing unnecessary delays and frustration. I was only able to get a response after demanding escalation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

I purchased a 3 pack of Vanilla VISA gift cards at XXXX on XX/XX/XXXX for XXXX gifts. The 3 pack consisted of three {$20.00} gift cards and I paid a total of {$68.00} for the pack. After XXXX the recipients attempted to use their cards and they were declined as the cards have no value on them whatsoever, which was then confirmed by checking the balance of the cards using the phone number on the back of the card. I have been trying to get in touch with the company, XXXX, for weeks now via the number on the back of the card. Currently I have 1 card on my possession as it was given to my son for XXXX - the other 2 recipients are not local to me. At any rate, the hold times have been extremely long but I finally got in touch with them today ( XX/XX/XXXX ). I spoke to a representative, XXXX, who was extremely rude. The worst customer service I have experienced in a long time. She said she would open a case- I reluctantly provided her all of my personal information - information that truly I did not feel comfortable providing as I have just gotten scammed by this company ( or at least by the purchase of goods from this company ). I provided my name, DOB, address, phone, email, all of the receipt information from when I purchased the cards. However, she then asked for a copy of my drivers license front and back - that is ridiculous!!! Ive been scammed out of {$69.00} and now the company involved in the scam wants me to give them enough information to scam me again. Thats crazy! I asked multiple times to speak to a manager which she refused to transfer me. She also is requiring copies of all 3 cards which I had already told her I only physically have 1, the other 2 are over 200 miles away as they were given as gifts which turned out to be completely useless gifts. I told her I was going to file a complaint and she then said well if youre going to file a complaint then we wont be able to open a case or reimburse you. Horrible, horrible customer service! I havent been refunded, at this point they are refusing to refund without a copy of my drivers license. When I asked what exactly they need all of this information for, she had no answer other than Its required. I know for a fact it is not required to open an investigation, and would gladly send a picture of the receipt and the gift card that I do have in my possession, but I will not release a copy of my drivers license to a company thats involved in scamming consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I received a {$1000.00} limit from XXXX XXXX XX/XX/XXXX XXXX interest for XXXX months, XXXX months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my credit score by more than XXXX points. According to the promotion I had XXXX years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on gerrymandering. I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent an identity theft dispute for this account and several others to all three national credit bureaus at the beginning of XXXX. On XX/XX/XXXX, XXXX finalized their investigation for my dispute and stated that XXXX verified the information regarding the fraudulent account reporting on my credit files. This was the same result with the other credit bureaus as well. Despite filing previous disputes, the account was incorrectly verified as accurate. I want to emphasize that this account does not belong to me, and I am the victim of identity theft. 

I never opened, applied for, or authorized anyone to open or apply for this Wells Fargo credit card account in my name. After conducting my own investigation, I discovered that this account was fraudulently opened by my late father, who shares the same name as me. Unfortunately, he used my personal identifying information without my knowledge or consent. 

Although he has since passed away, this fraudulent account continues to report on my credit file and is negatively impacting my credit standing. In accordance with the FRCA, this fraudulent account must be deleted and removed in it's entirety from my credit files, due to it's fraudulent origins. I sent all the supporting documents with my initial dispute proving that I am a identity theft victim, and as a victim of identity theft, I am also requesting that this account be blocked from re-reporting after it has been deleted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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 Fraud Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

See attached Cease and Desist # 1 letter which I sent on  XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on  XX/XX/XXXX , I called SPS and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,  XX/XX/XXXX  to present,   XXXX   XXXX   since  XXXX  to present and more. See attached letters of my conversation and list of documents.
 <P/> I  called again on  XX/XX/XXXX following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on  XX/XX/XXXX . We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to SPS validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan with   XXXX   XXXX   XXXX  ,  XXXX  and other questionable issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

As reported in Experian, XXXX reduced my credit limit on an account i believe that I do NOT hold. with little to no info being provided, it has been impossible for me to clarify this with Experian or XXXX. I believe this information has been posted in error. 

Company XXXX Address XXXX XXXX XXXX XXXX, SD XXXX Phone BYMAILONLY Date Occurred XX/XX/2017 Source EXPERIAN Previous Limit {$3000.00} New Limit {$2200.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$22000.00}.
Product: Debt collection

Synerprise consulting XXXX. 
Refuses to remove collections From credit report Although the debt statue in Texas is 4 years. 
Threatening to my wife while I was in XXXX.
Product: Checking or savings account

I booked a 3-night hotel stay on XXXX in XXXX, Texas. However, I advised hotel staff upon check-in that I would not be staying beyond the first night due to a death in the family. The hotel advised me to contact XXXX, where I purchased the hotel stay. I did so and was advised by the telephone agent at XXXX that " it's up to the hotel '' as to whether the funds would be returned. I subsequently filed a dispute with Chase Bank, NA, for the unused portion of the hotel stay ( 2 nights - {$160.00} ), including corroborating documentation. Chase Bank, NA advised me XX/XX/year> that they were going to charge my Chase account for that amount and that XXXX informed them in writing that unused hotel nights are non-refundable -- contradictory to what the XXXX agent told me by phone. I spoke with an employee and then a supervisor at Chase Bank on XX/XX/year>, and they confirmed that XXXX XXXX XXXX calls from customers for customer service purposes but that Chase " was not going to go through all of that '' when I requested Chase to obtain a copy of the recorded call I made to XXXX. Now because my financial institution will not take the time to obtain audio recordings of my interaction with XXXX 's agent, I am now being charged for two hotel nights, which I did not use due to a death in the family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on Equifax, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act and Gramm-Leach-Bliley Act ( GLBA ) CAPITAL ONE has violated my rights by furnishing my credit usage. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - states that my consumer report does not include information solely as to transactions or experiences between the consumer and person making the report 15 USC 6802 ( b ) ( 1 ) ( B ) - states that I, the consumer should have been given the opportunity to opt out of my nonpublic personal information being shared to nonaffiliated third parties 15 USC 6802 ( b ) ( 1 ) ( C ) - states that I, the consumer should have been given explanation on how to exercise that nondisclosure option
Product: Mortgage

I've just placed a complaint with the CFPB and the company stated they fixed my issue and it's still NOT fixed. Complaint # XXXX from XX/XX/XXXX. I just sent a complaint that the deceptive payment system will not correctly applying my payments. They replied that they fixed the issue causing this. We'll they haven't I just applied my XX/XX/XXXX payment and once again it's not fixed now it's completely applying my entire payment straight to all principal only. It should be paying my XXXX to XX/XX/XXXX regular payment and the XXXX to principal. This company is nothing but headaches and deception. How is this even legal? I need my issue fixed to apply as it should my regular payment and the extra to principal it's not rocket science we're in XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Dispute of Incorrect Address Information under FCRA I am writing to dispute incorrect address information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of the following addresses from my credit report due to issues of completeness and accuracy : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX addresses are not current and should not be associated with my credit report. Please take the necessary steps to investigate and remove these inaccuracies from my file. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your cooperation. 

I have included a current utility bill and a copy of my state issued drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft several times. Maybe this is an attempt to ruin me. There are over 30 to 40 inquiries on my report that I didn't do or approve. I have tried for a couple years to get these inquiries off my report. 
A school on my report. I never attended. I disputed - XXXX XXXX twice. It came back as me as owner. WOW! With No grades or activities, class work reported I don't understand how easy fraudulent activity Is put on my report, but hard to get off. 
I have never seen anything like this. Only a XXXX put that many inquiries. Why can't y'all see that. 
and remove these inquiries. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is not a address that mail can get sent to. I never lived there.