23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I sent payment to be made and the bank took my funds and did not issue payment as i instructed them to do they then tryed to close my account
Product: Mortgage

Complaint # XXXX Recv 'd letter today, dated XXXX from 5th Third that no fault was found in address in Illinois on home in XXXX. XXXX ) police report has been made XXXX ) numerous calls to 5th Third to obtain info on how someone called in to obtain a hardship loan on my address at XXXX XXXX XXXX and their address at XXXX XXXX XXXX, XXXX, IL. XXXX. I was told the transaction was approved by my wife XXXX XXXX, whose name is not on the account. Many attempts were made to call & they would not speak to XXXX because she is not a signer on the account. XXXX ) THE ADDRESS is still in Illinois. 

If you all can not resolve, will file suit with a lawyer. Please confirm
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached documents. I am a victim of identity fraud review FTC report
Product: Credit card or prepaid card

Attempting to make an overseas ( XXXX XXXX ) purchase of a {$120.00} item on XX/XX/2021, and the Bank of America put a hold on account requesting verification/authentication via text # code. Code was received via text after several minutes wait to receive, and the code did not work. Called customer service center @ XXXX, and placed on approximately 18-19 minute hold with no estimate of queue. Entire called lasted 21 minutes and 21 seconds, Customer Service agent was unable to resolve issue, as she wanted to authenticate via a phone call to the cell phone number I was calling from, but they had to keep me on the phone line while doing so. They did not give an alternative to authenticate me as a customer. Requested that I be transferred to a supervisor, and put on hold again. After this amount, of time to resolve I ended the call, as Bank of America did not seem interested in resolving the issue in good faith. In the previous month, Bank of America allowed approximately {$2900.00} in charges to go through on this same account, and I had to open a dispute to resolve the issue, that I detected when reconciling my billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$520.00}.
Product: Checking or savings account

Submitted a last complaint XXXX with the CFPB & the company responded with a PDF that cant be opened and the CFPB closed the complaint just because theres a response! Put your response in the text boxes instead of attaching additional docs!!!
Product: Prepaid card

I received an Amex gift card as a holiday gift from the XXXX at the school I XXXX at. I've tried the card a few times at several different websites including XXXX and XXXX with little success. Sometimes the payment goes through and then is rejected later. 

Here are some of the times the card was declined despite me supplying all the information requested from the online stores : XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX - XXXX - XXXX, IL {$34.00} XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX - XXXX - XXXX, IL {$25.00} XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA {$300.00} XX/XX/year>, XXXX XXXX  Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA It's incredibly frustrating using the card and even more frustrating trying to get customer service ( from amex and from the stores ) to help me use it.
Product: Credit card

I purchased the PR service on XXXX XXXX to have them published XXXX PR articles related to my art career for {$2000.00}, but I was not satisfied with the result ( they provided wrong media platforms which weren't related to my art industry, I've marked them in the attachment ). Then I requested refund from them when everything was just in drafts and nothing went further. They said they'll asked refund for me and also asked me to file a dispute at my credit card company instead expecting their refund process. 

Then as they told me, Ive filed a dispute on Bank of America on XX/XX/XXXX. The Bank denied so I sent out my support materials like email correspondence document ( gmail screenshots ) between me and the merchant to Bank of America, as long as my claim statement. Those documents explained what kinds of services I need but how they made me unsatisfied ( Marked in red in email evidence pdf ). There are XXXX pages total, from the service start to the end. The part I requested refund but they asked me to file a dispute directly was showing on page XXXX. They never replied me about the refund from their side after emailing ( XXXX XXXX, that was the date from the end of the email in page XXXX ). Those should be enough materials but I got denied again with the same reason ( which I attached the BOA claim letter below ). Based on my denied reason from BOA claim letter, the service I expected to receive is XXXX articles related to my art industry got published on art media platforms, but they planned to provide XXXX AI articles on some XXXX XXXX which couldn't be any helpful on my art careers. 

I tried to contact the merchant for refund as well, they disappeared. The Bank might not got in touch with them as well since they're good at disappearing for refunds. And the best solution provided from Bank is uploading more documents which I've already sent! I'll consider it's a fraud from XXXX XXXX right now.
Product: Credit reporting

I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Credit card

It was Cash app. They never provided it. A way that you could get in contact with a live person. My account was being hacked. They took over {$800.00} out of my account and I was trying to get in touch with someone about that. They always want you to do chat no you need to speak with a live person.
Product: Debt collection

I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! 
The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not XXXX you the right to make such a claim on my behalf. 

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required XXXX time-frame. 

I expect a written acknowledgment of the receipt of this dispute letter, as well as a commitment to investigate these issues diligently and impartially. The prompt resolution of this matter is in the best interests of all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.
Product: Money transfer, virtual currency, or money service

Cashapp a subsidiary of Square Inc sent me XXXX unsolicited Cashapp debit cards around XX/XX/2022. This is the second time as Square also sent me an unsolicited Square debit card in XXXX. I had complained to Square and looks like no concrete action was taken to protect me from fraud actors who applied fraudulently for cards using my unauthorized personal information. Cashapp has no phone number to reach them nor an online form or customer service email and Square has blocked my number from reaching customer service. This is a violation of consumer rights. I am extremely worried that some fraud is being committed using my personal details and Cashapp is abetting this by not allowing me the ability to call them and register a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX  XXXX XXXX XXXX, Louisiana XXXX It has come to our attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is our new debtor ( s ) as of XXXX XXXX XXXX XXXX XXXX XXXX? 

Hello, we are your new XXXX XXXX XXXXin-Fact. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America , unincorporated and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX Highway XXXX, XXXX XXXX XXXX Louisiana XXXX XXXX also taking XXXX times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for your piece of paper ( Title ) in exchange for your payment to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and TEK-COLLECT INC would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from TEK-COLLECT INC as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that TEK-COLLECT has sent a Debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Mortgage

XX/XX/XXXX - Started discussing with a XXXX XXXX from EverBank XX/XX/XXXX - Application submitted / Credit check done XX/XX/XXXX - I think Rate locked. Have few days to finish the application XX/XX/XXXX - XXXX  concern how a {$5000.00} float down deposit was shown in disclosures XX/XX/XXXX - Was promised the deposit is refundable if mortgage doesn't proceed XX/XX/XXXX - Paid a {$5000.00} via credit card for a float down option XX/XX/XXXX - Spoke to XXXX XXXX and expressed the mortgage is facing inspection issues. It wont ' close XX/XX/XXXX - She said she is working on it. She said she will look into the refunds Between XXXX to XXXX - couple follow-ups stating the bank is working on the refunds XX/XX/XXXX - Jayne/bank asked for some " seller can not convey title '' letter. My attorney can not provide that letter as mortgage fell through due to inspection issues XX/XX/XXXX - Followed up again for refunds to XXXX. No update but said i will check XX/XX/XXXX - Followed up again if they need more details or asked for supervisor. 
XX/XX/XXXX - or so - Spoke to XXXX 's XXXX Between XXXX and XXXX - multiple follow-ups ... 
XX/XX/XXXX - XXXX said he can not refund the {$5000.00} deposit. 

I have documentation from attorney that there are multiple inspection issues which is causing the contract to fail. I feel the Representative of the bank did not do much do address and in fact provided incorrect information when trying to sell the float rate lock product. I would like to take this to a small claims court and proceed filling against the agent and the bank for not helping through the refund of the deposit.
Product: Credit card or prepaid card

I applied for carecredit on XXXX XXXX, XXXX. My cat needed emergency needs. The procedure cost {$400.00}. Now I was told by carecredit that a cost of {$900.00} dollars was also taken from the card, but I 'll have to double check that ( waiting for statements in the mail ). 

I also had an emergency XXXX XXXX operation that cost {$1000.00}. There were other smaller payments for my cat, but I paid the minimum since getting the card and never missed a single payment. I kept up with every payment ( minus this {$900.00} ). Each time I paid, my minimum decreased. I had my balance down to {$2100.00}. 

I was given a ridiculous promotional option of paying {$1300.00} before XXXX/XXXX/XXXX. Here 's what is stated at XXXX XXXX : " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due ''. 

Being a single young woman living on her own, paying utilities, rent, car notes and insurance plus health insurance, carecredit 's promotion was laugh worthy. So, I only paid the minimum as I could only afford. At this I was paying {$71.00}. 

Now my statement is {$2500.00} with a minimum of {$84.00}! I called carecredit and the supervisor apparently said that for each time I used care credit, a promotion was given for me to pay off the debt I owed. To my knowledge, I only received the XXXX promotional plan which was too expensive to pay off anyway. 

I never knew about any other promotion or the fact that using my card pretty much made matters worse for me. 

Bottomline is that after faithfully paying my debt and never being late ( even paid early ), I 've been sacked with a HUGE interest rate that put me back at square one. I had credit cards before whereas all you do is use it, pay your debt, done. But it seems like the folks at XXXX XXXX wants to keep their customers in debt and leech off of them with ridiculous interest rates that will keep customers enslaved to this wretched business! 

I need help. I feel as if I 'm being scammed and that care credit will stay taking my money for ever.
Product: Credit reporting or other personal consumer reports

Procollect s reporting a collection for {$3000.00} for orginal creditor cresson pods rental. 

This is a fraudulent collection and I have took orginal creditor for court and sued for false collection and. Fraudulent collection accounts for damages for falsified debt procollect is reporting. I sent them th court judgement for removal XX/XX/year> advising of removal needs and they keep informing me and not removing it even with court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian and the received to on XX/XX/2018 and I have yet to here back about the investigation. They have not provided me with permissible purposes or written authorization I have another complaint but forgot to upload proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pay for deletion for capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account XXXX XXXX XXXX on my credit report as not mine and not being verified Equifax removed it from the credit report and send me results of Investigation documents attached after some time XXXX changed one or two digits in the account number and reinserted the account again I spoke to Equifax Equifax had no knowledge about this this is in complete violation of my fcra rights that I called which has been removed is it again so did back again please help me because it is causing a lot of frustration of constantly cat and mouse Chase good Equifax
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX regarding their failure to report the Date of First Delinquency on a charged-off account. This omission creates significant inaccuracies in my credit report and prevents the correct calculation of the seven-year reporting timeline under the Fair Credit Reporting Act ( FCRA ). 

Had the Date of First Delinquency been reported correctly, it would allow the charge-off and associated account to be eligible for early exclusion from my credit report. Without this critical information, the account remains inaccurately reported, which has unfairly impacted my ability to obtain financing for a new home. 

Since the initial delinquency, I have worked diligently to improve my credit and have demonstrated financial responsibility. However, this account continues to be an obstacle in achieving my homeownership goals. I request that XXXX XXXX  XXXX XXXX promptly correct this error and ensure the accurate reporting of the Date of First Delinquency so that the timeline for this account can be properly assessed. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and kindly ask for an investigation to ensure compliance with all applicable credit reporting regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOODWILL LETTER I contacted Chase Auto Finance back in XXXXXXXX XXXX XXXX. I explained my medical hardship death accident and financial hardship i spoke with a representative and explained my situation I was told no past due payments were reporting at the time. The representative gave the full balance at the time no late fees were attached to the balance. Chase applied two late fees and one miss payment to my credit report which has put me in a tremendous hardship for purchasing a home and a vehicle which I extended my lease with chase for a XXXX extension in XXXX and was granted that do to my good payment history. Chase did not contact me by phone per my request and never asked about updating my information at all. If I were notified by phone this mis payment would have never happened at all. Since then, I have sent in proof of XXXX XXXX trauma appointments, my son 's XXXX  and now my XXXX test results. I had already made arrangements with Chase Auto Finance under CARES ACT and have deferred payments moved to the end of my lease term. 

I am severely stressed and suffering from XXXX and this is keeping up at night because I have 4 months to finance another vehicle and find a place to live by XXXX with XXXX points dropped from my score from this past due payment that applied in XXXX for XXXXXXXX XXXX XXXX. 

I have asked to be contacted by phone twice via certified mail and still have not received a phone call from anyone at Chase Auto Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am sending this email to in regards to a complaint on Experian credit bureau. They have continued to ignore my requests for debt validations on my report and have failed to respond to my 2nd debt validation letter within 30 days, being in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). I have requested via certified mail that due do this violation, that Experian delete/remove all negative accounts from my report immediately to with they have failed to do so as of this date. Please see time line and corresponding letters and documents below. I have hand written a number at the top of each document for reference purposes. Thank you for you time and attention and most importantly your role of protecting consumers like me from these institutions that take advantage and have no regard for the lives that are affected by these accounts. Thank you so much! 

Please see the following : * I sent my second request for validation of debts to Experian on XXXX. ( labeled as # 1,2,3 ) * Its was received by Experian on XXXX ( labeled # 4 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 5 ) * From the time that they received my validation request on XXXX to XXXX when I wrote them back, a full 63 days has past with no letters or documentation from Experian verifying any of the debts listed on my account, putting them in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). 
* After 63 days had past I wrote Experian a letter by certified mail explaining to them that they have failed to send me a response in the appropriate time under the Fair Credit Reporting Act. ( labeled # 7 for the letter and # 8 for the certified mail receipt. 
* Experian receives and signs for the certified letter on XXXX. ( labeled # 9 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 10 ) * Experian sends the same generic response letter saying that accounts are valid with no proof or documents that I requested nor any names of the person/person that validated these so-called debts and that also brings the time that they failed to respond to my original letter received by them on XXXX requesting validation to a full 94 days all together. ( labeled 11,12,13,14and 15 Update : It is now XX/XX/2020 and Experian has yet to validate these items on my report. 

Thank you