23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report with the XXXX credit agencies, Experian, XXXX, & XXXX with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I had an account with first progress a XXXX  credit card with a {$200.00} limit. I had called to close the account and paid off the balance in full. I asked for proof to be mailed. A month later still no statements mailed and my access to the app and online portal was locked effectively preventing me from monitoring or paying on the account. It is a violation of federal law not to provide an account statement. I called in and the agent claimed the account was still open and when asked why he said a late fee had been charged. Come to find out they had not closed the account but instead had charged late fees for XXXX XXXX and XXXX months after it was closes and paid. When asked why three late fees and there should have been no balance they refused to provide or mail statements they just claimed the charges was valid. Ibmade a request to remove the fraudulent late fees which the entire remaining " balance '' on the card is just the fees. I have not used the card since paying it off since it was closed. First Progress is using deceptive banking practices such as fee gouging and refusing to provide account access to be able to even pay or monitor the account to charge over {$120.00} in fees on the card since it was closed. I even paid one of the fees when I closed the account not knowing it had been added. Since then two additional fees have been added to the closed account. This is illegal and to this day XXXX am refused accounting statements
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to the previous complaint against Transunion but, under employer information it is blank and I also wanted to know if on my public record I could put that I was laid-off twice for my job history.
Product: Checking or savings account

XX/XX/XXXX i emailed XXXX XXXX the ceo of sofi bank with my concerns with my checking account i had with his bank. 

He did not respond but someone named XXXX did and sent me a email stating Dear XXXX, I hope this message finds you well. My name is XXXX. I am an account manager with SoFi. Thank you for reaching out to the office of the CEO. 



We sincerely apologize for the experience you've had, and we want to assure you that we are addressing this matter. I understand that you're seeing a discrepancy in your balance and that it may not align with your expectations. One common cause of this confusion is the Relay feature in our app, which tracks spending trends based on the calendar month. This can sometimes lead to differences in how transactions appear. 



Wed love the opportunity to go over your transactions with you and help clarify any concerns. If you're available, wed be happy to reach out tomorrow to review everything together. Please let us know a time that works best for you. 



Thank you for your understanding and cooperation. 



Kind regards, XXXX SoFi Bank, N.A. 
Member Service Delivery Escalations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX since then i have tried to call him or call sofi bank customer service or chat with the on the app. 
And i am met with argumetative customer service or throwing up their hands saying they have done all they could. When i have so much money missing!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX so since i signed up for a relationship with sofi bank they have taken XXXX from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from the United States District Court District of Minnesota Bankruptcy Court for proof that I never filed for Chapter XXXX Bankruptcy and the public record of Bankruptcy Discharged Chapter XXXX, XX/XX/2020 thats currently listed on my Equifax and XXXX  credit report, is inaccurate, incorrect, and not my public record. The bankruptcy court do not report bankruptcy cases to XXXX XXXX, XXXX, Equifax or XXXX XXXX. The public record is not my public record.
Product: Payday loan, title loan, or personal loan

I borrowed money from this company several times and always pay back 3-4x what i borrowed. I understand the nature of these risky loans but desperate times called for it. 
But I'm a XXXX XXXX XXXX XXXX  and due to the COVID-19 crisis all of my business were shutdown by the federal and local Government. 
I wrote and called the company and explained the situation. I told them that due to the crisis i have little to no income coming. I sent a letter of revocation and i even put a stop pay at my bank. 
I emailed cash for whatever and asked to workout a different repayment option that didn't involve them drafting my account. 
They won't respond. They've even created a fake check to get money from my account because they couldn't do the ACH because of the stop payment. 
As of now my account is almost {$350.00} in the hole because they've hit my account 3x in two weeks  plus about 4 {$35.00} overdraft fees. 
I haven't had a pay check in almost 2 months and I'm struggling to feed my family. 
What can i do?
Product: Credit card or prepaid card

My edd debit card was fraudulently used since 2020 to now and Ive notified it with Bank of America yet theyre refusing to refund due to it being pass 365 days ( not in their terms, just states fraud zero liability, but no time limit on it ) and other reasons even though my acc was hacked and password was changed multiple times including failed logins. I just want boa to give me back my money from my unemployment claim that was stolen.
Product: Mortgage

This is a complaint related to case number XXXX. In an action that can easily be described as " retaliatory, '' Ocwen Loan servicing , LLC has provided me with yet another incorrect statement for my second mortgage. Ocwen has admitted its mistake in disbursing two payments to the insurance company, XXXX XXXX. On Saturday, XXXX XXXX, I finally received the refund check for the overpayment. I mailed the check to Ocwen on XXXX XXXX. My XX/XX/XXXX statement indicates that Ocwen refused to apply my XX/XX/XXXX {$300.00} payment, which is greater than the typical amount due ( principle + interest ), and continues to demand I pay additional escrow fees in order to compensate for Ocwen 's admitted mistake. I received a letter dated XXXX XXXX from the Office of the Ombudsman ( XXXX XXXX ) that partially addressed the items outlined in my previous complaint, but did not resolve the basic problem caused by Ocwen 's ineptitude. I consider this retaliatory act on Ocwen 's part to be entirely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. 

In accordance to the FCRA of 1971 list of accounts below has violated my federal consumer rights. 
please remove due to crimes committed and inaccuracies on my credit report. 

15 U.S.C. 1681 ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

( A ) Reporting information with actual knowledge of errors 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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I tried to get my credit report from Equifax.com and in order to do so, I had to answer some security questions. None of them pertained to me. It said I had a mortgage in 2012 that I have never had, And also retail credit cards such as XXXX.. I 've never had any of the above. So I 'm not sure if someone has gotten these items in my name or what the issue is, Because I can not get in touch with anyone, There is only an automated system when you care Equifax. I 've issued a fraud alert.
Product: Debt collection

I paid this account and they reported multiple missed payments but havent reported paid account.
Product: Credit card or prepaid card

In XX/XX/2020 I purchased airline tickets for my family and I to take a vacation in XXXX. I used two vendors, XXXX XX/XX/XXXX and XX/XX/XXXX via a broker named XXXX. Prior to the flights I tried to cancel with the airlines due to Covid, but they would not make any changes due to Covid. On the day of my flights the airline told me we could not fly due to a ban on US travelers going to XXXX. Upon the airline failing to take my family and I to XXXX I disupted on my credit card. Citibank is my card company and they did absolutely nothing to assist me in the dispute. At each turn they failed to objectively look at the dispute and ended up charging my card for {$4500.00} of flights that I did not use. Citi would put me on hold for hours at a time and fail to return phone calls. In the end Citi 's negligence in handling the dispute caused them to lose the chargeback and they have since billed and I have paid the {$4500.00}. This should be wrong yet no one at Citi will do anything except off a " were sorry '' {$250.00} credit.
Product: Money transfer, virtual currency, or money service

I was purchasing electric car chargers from a person on a XXXX group. I used XXXX at my Chase bank to transfer money. I have not received shipping information nor do I expect to at this point. 
How can Chase be allowed to promote a service where there is no recourse for getting scammed? If I use a debit card I can get recourse. If I use a credit card I can get recourse. How is this different?
Product: Money transfer, virtual currency, or money service

I am writings to recover {$1000.00} missing deposit from my CASH APP account ( $ XXXX ). On XXXX XX/XX/XXXX, I cashed out $ XXXX that was supposed to post on XX/XX/2022 into my XXXX XXXX Account. My XXXX XXXX Acct ends in ( XXXX ) and the institution routing number is XXXX. I contacted CASH App support when the deposit did not post on XXXX XX/XX/XXXX. CASH APP support told me to wait 3-5 business days, which I did and still no deposit. CASH support asked me to have my bank ( XXXX XXXX XXXX XXXX ) do an investigation in the transaction using the trace number ( XXXX ). Attached is an official letter from XXXX XXXX XXXX XXXX advising CASH App Support that their investigation shows they never received a transaction and that my account does not end in XXXX. 

If the bank did not receive the funds, then the error is on CASH App. I have tried resolving this issue with on the Cash App support page and via email with no success. Cash App online support deliberately has you going in circles so they don't have to resolve your issue. Cash App support app will ask you what the problem is, then automatically tells you they have to upgrade the issue to a special support team who will contact you by email. When the email comes from Cash App support, it is one way communication, and doesn't allow you to respond to the email. This process keeps you from speaking to a representative and has you running in circles so you can't get your issue resolved. The bank confirms they never received my money transfer from Cash App and I can't get Cash App support to resolve the issue.
Product: Credit reporting or other personal consumer reports

Ive tried. Calling the companys but no one answers its hard to reach someone . Ive done almost everything .
Product: Debt collection

I fouled a dispute with XXXX and the updated it and its inaccurate fraud mailing address and personal information 18 U.S code:1028
Product: Credit card or prepaid card

On XXXX XXXX, despite having paid off the charge in full, our local XXXX store insisted on refunding a charge for a canceled door that they failed to deliver to the store card operated by Synchrony Bank. That left us with a {$4100.00} credit. We were told to wait two days and request a refund. We did. According to our account, the refund check was issued XXXX XXXX, 2020, which brought our account balance to XXXX. We were told 5-10 business days to receive the check. 
During repeated calls/chat room encounters, the customer service reps extend the expected arrival date always another few days. Today is business day 16. Still nothing. The customer service rep, XXXX, today was unhelpful and even told us to file a complaint. He even went so far as to say he would be okay with not receiving his refund - even one as large as this. So here is the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX  ( XX/XX/XXXX ) 2. XXXX/XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX (XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX (XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) 7. XXXX XXXX XXXX ( XX/XX/XXXX ) 8. XXXX XXXX   (XX/XX/XXXX ) 9. XXXX ( XX/XX/XXXX ) 10. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 11. XXXX XXXX (XX/XX/XXXX )
Product: Debt collection

I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX,  XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.
Product: Credit card

This company is the worst credit card company! I have told them millions times I am facing hardship and still they have not resolved and made a fix affordable plan! Instead they have charge me fee, damaged my credit score as I couldnt pay their min due payment as their interest is incredible high. They have lied multiple times promising to have an affordable plan with no interest as I have told them my hardship and have not resolve and now damaged badly my credit score! Also the bank statement they have send me says I own XXXX dollars something but they report to credit score a higher dept. they dont even know what they are doing! See messages and letter. Thank you
Product: Credit card or prepaid card

Recently signed up for a Best Buy store credit card and they created an account and subsequently canceled my order so I also canceled my credit card. 

Meanwhile they never sent a card or statement to me ... the only reason I know of a statement was because they sent a vague email notifying me of a statement. 

Meanwhile I can't login online to see anything since they never sent me a card. When they claim I had to have a card to create the online account and opt in for estatements. 

This is a blatant lie on their part, and a major gaping hole in their systems if they think they can send an estatement to people that don't have cards and have no means to login and pay. 

-
Product: Credit reporting or other personal consumer reports

Have tryed multiple times to unlock/unfreeze my credit through transunion and my bank still can't pull my credit
Product: Debt collection

I was called on XX/XX/XXXX by a woman named XXXX XXXX, left a voicemail not identifying what agency she was working for talking about suing me and filing an order of location for me and saying she is calling my work and would attempt to locate me there. My employer called me after to notify me they received a similar message. I called the company back at the number listed and was transferred to the legal department for XXXX XXXX or XXXX XXXX XXXX. They mentioned a debt owed to a payday lender and after the call I checked they did not provide a legit date for when this became delinquent, saying XXXX, which is not accurate. They also never notified me of anything prelegal or within last 2 months stating the sent an email in XX/XX/XXXX, I did not receive any written notification. They call call proceeded poorly as the woman accused me of bank fraud and saying my case wouldnt be civil but criminal due to bad checks, I asked what would be required and stated I couldnt pay today even if I could I shouldnt as I was never notified. I proposed a settlement agreement and was placed on hold and she said my agreement would be fine if I paid today via phone for the 1st amount, I told her I couldnt pay until XXXX and offered 1 time good faith payment of lesser amount today, she declined and became very agitated raising her voice and telling me to borrow money from family to pay today or I would be served at work. I stated that wouldnt be necessary for a civil money claim and she continued to speak about criminal charges regarding this payday loan debt. Ultimately the agent hung up on me and would not accept my offer for lesser payment today. I called the payday loan company afterwards who verified they sold the debt to XXXX and that unfortunately I could not pay them directly. The collection agency rep said it was too late to request notification in writing now, although I told her I never was notified. I attempted to email after this call and am awaiting response.
Product: Prepaid card

On XX/XX/2023, we purchased for a total of {$30000.00} worth of XXXX XXXX prepaid ( {$500.00} and {$1000.00} values ) cards as gifts to our employees. I kept several for myself. We bought it from XXXX and the link where these cards offered is XXXX XXXX XXXX XXXX XXXX XXXX 
I had unauthorized charges on two cards. 
I activated two cards ( for {$500.00} and for {$1000.00} ), by calling the number on it on XXXX XXXX or XXXX and then using the {$500.00} card, I made an online purchase for {$97.00} on XX/XX/2023. When I tried using the same card on a different vendor within the next few days, it was declined. Then I logged on to see its balance and apparently there were two additional charges were made by vendors I never heard of, and it was spent to the exact XXXX  of its balance left ( {$400.00} ) after my purchase. First charge was made on XX/XX/2023 for {$190.00}, and the second on XX/XX/2023 for {$200.00}. I called XXXX number and disputed the charges and they opened up a case. Today, I received an email from company called INCOMM ( www.incomm.com  ), saying my dispute was denied. Before this denial email, I had also called XXXX XXXX Credit Card customer service number since we paid for these gift cards with our XXXX Credit card. I explained them our issue but they said they can not help us and we have to deal with XXXX. 
The second card ( {$1000.00} ) I had activated, apparently was spent to the penny before I can even use it. So I had also opened a case for that as well but did not hear back about that case yet. We feel that this is a very big scam. Somebody, somehow can now the exact balance of your card and possibly making fraudulent charges to the exact balance on the cards once they are activated on the phone. I am attaching the Statement ( with an image of the card ) of the {$500.00} card with XXXX charges on it. And only the {$97.00} is authorized.
Product: Debt collection

I pulled my credit in the beginning of XX/XX/XXXX. I noticed a debt of {$1000.00}. ARS resolution trying to collect. On XX/XX/XXXX, I sent a letter to ARS account Resolution asking them to validate this debt by providing contract bearing my personal signature as well as procedures of service provided. On XX/XX/XXXX ARS resolution sent a letter that state the debt owe with no validation. On XX/XX/XXXX, I sent another letter : Failure to validate the debt- I receive a copy of the same previous letter. ARS resolution failed to validate the debt. 

I am asking for Validation, not Verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXXe Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX