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

I drove up to the ATM machine at the XXXX BB & T. I used my XXXX XXXX XXXX card ( XXXX XXXX XXXX XXXX ) to withdraw money on X/XX/17. I asked for {$300.00}. It went through the whole process, asked me if I accepted the fee and I did and it said to take my money. No money came out. I walked into the bank to report it and the teller said to check with my card. I called the card and it posted that the money was taken out. I went back in and told the teller and she went to speak to a manager, or someone in dispute and she came back and told me she was told there was nothing they could do since I was not a member of the bank that I needed to file a dispute with my card. I called my card and they said I was doing the right thing and they took all the info and told me it would be investigated. I got an email after 12 days and it said the dispute was denied. I called and asked why and they said based on info the bank sent them. I called the bank to tell them I was denied. The teller again went to talk to someone and came back with sorry we cant help since your not a member. I got a number for customer service and explained to them what happened. I told her the day and time and asked why no one cant look at the cameras to see I did n't get any money. I asked for ATM number and was told they could n't give me that. I asked why they had the machine if they was n't reasposible for it and was told its a courtesy. I said there was no warnings that if youre not a member and something goes wrong that you would not be helped by that bank. They just apologize and say since Im not a member there is nothing I can do. on X/XX/17 I had a withdrawl of XXXX from BB & T ATM on my XXXX XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided experian with proof that the first date of delinquency was 2 years prior to what the creditor/collection agency has listed as the charge off first date if delinquency. The creditor falsified the date and verified to experian their false date and despite the proof Experian failed to change the date siding with the creditor.
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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I requested a refund on XX/XX/, for the payments I made on my student loans during the forbearance period. Across my loans, this refund would total out to {$2300.00}. They quoted me a 60-90 day waiting period and said that I would see my original ( pre-payment ) account balance be reinstated on both my Edfinancial account as well as on my Federal Student Aid account. By XX/XX/XXXX, my original loan amount had been reinstated on both of these accounts. By XX/XX/XXXX, I had not heard anything from Edfinancial or received my refund, so I reached out asking for an update on my request. On XX/XX/XXXX, they responded and let me know that my refund request had been canceled on XX/XX/XXXX due to an incorrect address. I had updated my address in their system prior to requesting the refund to ensure that no issues arose, but there must have been an internal error that I was never made aware of so my refund request was canceled. From the time that my refund was canceled up until today ( XX/XX/XXXX ), my loan balance on both Edfinancial 's website and the FSA website never changed from the original pre-payment amount. Unless I'm misinterpreting the timeline, my refund had been canceled for over a month but my loan balance was never changed back to reflect I had made any payments. I called Edfinancial on XX/XX/XXXX to see what exactly the issue was with my refund request, and without giving me specific details as to why my address was incorrect, they resubmitted the refund request. I have since sent them an email asking for an update on where my request is in processing and a ballpark timeline on when I could expect my refund. Their response was that the request had been made and everything was dependent on the U.S. Department of Education 's timeline.
Product: Debt collection

I received a debt collection letter in XXXX of XXXX about a XXXX debt of {$3300.00}. This was a result of identity theft. I contacted XXXX, they investigated and said I was not liable for this debt. I filed a police report as well. On XX/XX/XXXX I received another debt collection letter from MRS BPO , LLC for a XXXX debt in the amount of {$3300.00}. The debt listed was from XX/XX/XXXX. I believe MRS BPO is trying to collect the same debt that was resolved with XXXX last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XXXX  XXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.
Product: Prepaid card

My family received two American Express prepaid gift cards as holiday gits from an employer, one for {$200.00} and one for {$100.00}. They appear to be impossible to use online. I have tried them at XXXX and XXXX, to pay utility bills, and for various other purchases. I can't add them to my XXXX or XXXX wallets. Online research -- which has taken hours -- shows that there is perhaps one online store that accepts them, and that the alternative is to try in-person purchases of other vendors ' gift cards. 

The Amex gift card website says they are " widely accepted '' with an " add to mobile wallet '' graphic but has no instructions on how to do either, or names of companies that accept the card.
Product: Checking or savings account

I have savings account with American Express bank ( routing # XXXX ). On XX/XX/2020, they denied my withdraw due to the number of times exceeded their allowed limit. Then I spoke with a supervisor XXXX ( employee no XXXX ) asking for withdraw citing that XXXX XXXX XXXX on XX/XX/2020 has new regulations which removed number of withdraw times limit. XXXX left to talk with higher officer. Came back and told me that they have decided to do their own rules and not allow me to withdraw until the next cycle time.
Product: Debt collection

This company central portfolio control report a debt without any contact previously for allegedly debt to Current Creditor : PLAZA SERVICES , LLC Original Creditor : XXXX XXXX Original Account # : XXXX Internal File # : XXXX Balance : {$1600.00} a dispute ownership of this account with the original snap finnance as soon this account appears in my report in XXXX they fail in conduct a investigation a sell this account to plaza services llc with the knowledge this account is incorrect and fraudulent whem a report cfpb in XXXX the situation they provide a contract from XXXX a never see before with information partial similar incorrect like address name variation for a service a never request or received after review the documents XXXX not recognizes but still using method against the law to collect this money
Product: Debt collection

on or about XXXX my former wife and i enrolled in a debt reduction program. all credit card debts was paid off in XXXX in XX/XX/XXXX / XX/XX/XXXX a debt that was previously paid off showed up on my credit report. my understanding over 100 people have filed a class action law suit against the debt collection agency for mismanagement of listing debts that are already been satisfied. please investigate my claim as i am attempting to purchase a property and can not proceed until this issue is resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a check with the payment stub to XXXX XXXX in XXXX Fl. This amount ( {$78.00} ) was the full amount due on my XXXX store card. On XX/XX/XXXX I received a letter from XXXX XXXX stating they received the payment stub but no check. I looked at my check register and checkbook. The check was made out and dated XX/XX/XXXX. I then went to the web page of my bank and looked up the status of the check in question. The site had a copy of the check front and the back. The back of the check was endorsed and funds paid. I called XXXX XXXX and spoke to the customer service rep. He continued to insist that the check was not sent. I told him that the bank has a copy of the cashed check. He told me to go to my bank and fax them the copy, he gave me the fax number. On XX/XX/XXXX I went to the bank and had the teller fax the info. On XX/XX/XXXX I once again called customer service and spoke to XXXX. He said that no fax had been received and that I owed the full amount today. He insisted that I pay him over the phone. He would not discuss the fact that the bank has a copy of the cashed check.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : XXXX : copies of previous credit report showing Discrepancies inacury information XXXX : Dispute letter sent to Equifax Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FALSELY REPORTED THAT I HAVE A BANKRUPTCY ON MY CREDIT REPORT. THEY PUT THE DATA FURNISHER AS THE US BANKRUPTCY COURTS OF SOUTH FLORIDA WHICH IS FALSE!! I HAVE A STATEMENT AND SIGNED LETTER FROM THE FEDERAL COURTS STATING THEY DO NOT FURNISH DATA NOR RELEASE ANY INFORMATION TO THIRD PARTIES OR CREDIT BUREAUS. THEY ARE FALSELY REPORTING AND HAVE YET TO REMOVE THIS! 

ALSO REMOVE ALL ACCOUNTS STATED TO HAVE BANKRUPTCY ATTACHED IMMEDIATELY Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX is reporting to my credit report after years of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. Car mart is violating my rights FDCPA, 15 U.S.C. 1692k ( d ), the Civil Rights Act, 42 U.S.C. 1983, and 28 U.S.C. 1331, 1337
Product: Debt collection

I started getting calls from Citibank when my bill was 8 days past due. I spoke to someone, explained that I was unemployed and looking actively for work, and that when I got a job I'd pay them. 

The woman on the phone said " the collection efforts will continue '' and then acted like she didn't know that unemployment is a hardship. ( Seriously, they can't figure this out? ) Ever since I get a few phone calls from Citi a day, and they never leave messages even though in the initial phone call I complained about this. 

To date I have yet to even receive a written notice that I'm late! This is ridiculous. Shouldn't some kind of written notice be sent BEFORE they start calling?
Product: Debt collection

I received a voicemail today ( XX/XX/17 ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from Advanced Call Center. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.
Product: Money transfer, virtual currency, or money service

Starting on the XXXX of XX/XX/2019, I fell victim to a sophisticated fraudulent Scam merchant company by the name XXXX XXXX XXXX XXXX ( the Scammer ). Money was transferred from my account to the Scammer via a wire transfer for a total amount of XXXX EUR, utilizing Coinbase services.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX refunded me to my chime account. 
XX/XX/XXXX Chime Received the refund XX/XX/XXXX Called chime to figure out how long it would take them to refund my account. Was told 5 business days. 
XX/XX/XXXX Called chime again and was given a support ticket and was told someone would call me within 2 hours. 7 hours later and several managers/supervisors, I noticed a change on my account statement. It says on the 19th, I overdrafted {$85.00}. I informed them that it was impossible because I can only overdraft {$55.00}. They changed the balance on the report to keep my refund. 
XX/XX/XXXX Another support ticket was created, still NO response about it. 
XX/XX/XXXX On the phone again trying to figure it out, cant get a single person willing to help me, Chime stole my money and altered my statement. They refuse to acknowledge their mistakes. I still dont have my refund. Cant get anyone in the United States, and the same repetitive responses that are simply incorrect. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date opened : XX/XX/2019 XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Credit card or prepaid card

I tried to use this Vanilla visa debit card that I received for my birthday several times and it didn't work. I called the company and they did nothing to help. Then I found out yesterday that it had been used at XXXX in California. I don't know anyone from California. I found out it was used when I went online to see what the balance was if any. I called customer service and several times while waiting there was no answer or just air. The lady told me I had to use a government ID to get a refund. Send recipe and a government ID!? I think this company has been hacked or something.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX FIN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I recently viewed my personal credit and without my authorization or me benefiting from these acts of knowingly and willingly proceeding without my written consent I found that there has been multiple violations of 15 usc 6802 15 usc 6802b 15 usc 1692 c ( c )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights XXXX 

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

15 U.S.C. 1681 Section 604A 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 the information is inaccurate.
Product: Debt collection

The complaints are against XXXXXXXX XXXX, Absolute recovery services, All three credit burueas. XXXX XXXX  in 2018 was paid in full XXXX from XXXX XXXX XXXX for a rental agreement between them and I. At the time I informed them I would soon be having a child so I need to get utilities situated either I add someone to the lease to assist if any problems on my end they denied me putting someone else on lease also they denied keeping them on causing me to bring a child home after being born to a cold house in the winter which cost him to be very XXXX  and me they had no compassion towards me being a XXXX XXXX in assisting me they then I guess sent it over to their collection agency in which whom I reached out to after several times reaching out to all credit burueas in which states they took in my request for dispute while requesting one buruea stated im being charged twice for same amount while other buruea state I'm only being chatted once also the debt agency said they would not help dispute cause I sign lease stating I was only to give them written consent and she could not find in which paragraph it stated I had to amd or I signed an agreement stating I knew of written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted proof to Experian and XXXX that the Bankruptcy item was unverified. On XXXX XXXX I received an alert from Experian stating that they will notify me when my dispute is complete. They fail to remove the accounts that I proved to be unverified. I filed a police report I also filed a identity theft report with the FTC as well as an affidavit. This item remains on my credit hurting my score after I demanded removal with 609 credit letters which ask to send the original documents of these debts or remove the items within 30 days these companies failed to act in removing these items.
Product: Money transfer, virtual currency, or money service

I contacted PNC Bank my local branch in XXXX Ohio downtown location! I notified them i needed copies of all the cashiers checks from aprox.from XX/XX/2015 until the current time they were every month for {$50.00} but a few were for {$100.00} I TRIED TO REASON WITH THE CUSTOMER SERVICE PEOPLE ONE IN XXXX OHIO THAT CALLED ME AND SAID SHE WOULD, THEN SHE NEVER CALLED ME BACK! I I HAD A FIRE AND ALL MY COPIES OF THE CASHIERS CHECKS WERE BURNT UP ALONG WITH THE RECEIPTS! AT FIRST THE MAIN BANK IN XXXX PA SAID THE LOCAL BRANCH WOUULD HAVE THE CANCELLED CHECKS! THE A CUSTOMER SERVICE PERSON CALLED ME FROM XXXX OHIO AND SAID THE CANCELLED CHECKS WERE IN A SECERET SIGHT IN XXXX OHIO! THIS WAS XXXX XXXX OR XXXX! THEN I CALLED THE MAIN BANK PEOPLE AGAIN AND THEY HANDED ME ANOTHER SONG AND DANCE I HAVE BEEN WITH THIS BANK 43 YEARS! I JUST WANT SOME HELP! XXXX XXXX!