23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I noticed fraudulent transactions on my Way2go child support card. I contacted the company and filed a claim for the accounts listed below. On XX/XX/2020 the company issues me a provisional credit in the amount of XXXX until the investigation was completed. After several deposit from TN Human Services, I noticed Way2go was taking each deposit. I later received a letter in the mail, stating they did not find any fraudulent transactions. I contacted the company again asking for another them to investigate it again, because I knew those transactions were not made my me or with my consent. The representative stated, that it wasn't anything that could be done. 

These are the transactions I disputed XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  - XXXX XX/XX/2020 XXXX XXXX - XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  - XXXX XX/XX/2020 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts with XXXX XXXX have been charged off and should be removed.
Product: Credit card or prepaid card

I have been docked {$2000.00} from my Cash.App ( Square ) account due to a " reversal '' of a refund that I was granted. I had about {$400.00} in the account as this happened and it is now at a negative {$1600.00}. This has caused me to lose more money and threaten my credit due to missing automatic payments tied to my Cash.App card that were rejected and put in arrears. 

Initially, I was grossly overcharged by a bar that I used my Cash.App card, the transaction was supposed to be {$20.00}, but the bar charged me {$2000.00}, then contacted me a few hours after I left and told me about the " accident '' and told me that they are immediately putting in a refund request with whoever processes the payments ( I have proof of the actual refund ticket from the business ). This transaction occurred on XX/XX/XXXX, and the refund occurred on XX/XX/XXXX. and I was eventually refunded. 

A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on. 

I have documents from both parties that prove that there is some questionable practices happening on both sides. 
A month later on XX/XX/XXXX, unbeknownst to me ( and not shown in my cash.app transactions activity ), the company that I was wrongfully charged by supposedly disputed the refund that I was granted. Then, on XX/XX/XXXX, the disputed refund was overturned, and my account was docked {$2000.00} again. Once again, I was not contacted or informed by Cash.App that there was even a dispute on the transaction, nor was it anywhere that was easy for me to access! In fact, I had to contact Cash.App over 10 times before I could even get proof that this even occurred! Then, I asked repeatedly for over 2-3 weeks for more information, and who is responsible for settling the payments between the two since both Cash. App and the company refuse to answer the most simple questions I have so I can figure what is going on.
Product: Debt collection

I am not liable for this debt with CK Prime investments LLC.I do not have a contract with CK Prime investments LLC, they did not provide me original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights.

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 Account # 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 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: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address a concern regarding XXXX XXXX 's business practices. It has come to my attention that your company has been charging consumers for add-on products that were either not disclosed to them at the time of purchase or were added without their explicit consent. My loan was between $ XXXX {$XXXX} and when I spoke to them today she said I still had 52 months left and my balance was {$XXXX} due to fees. I asked her way my balance was so high when that is not what I received or signed up for. She simply said the fees are high. 

Consumers should not be charged for any products or services that they did not agree to purchase, nor should they be subjected to hidden fees or charges that are not clearly explained. These add-on products, which many consumers were unaware of or did not intentionally select, raise serious questions about the transparency of your business practices and the fairness of your transactions. 

I request that you immediately investigate and review the sales practices used to offer and charge for these add-on products. Consumers deserve to know exactly what they are agreeing to when they enter into any financial agreement with your company, and they should not be held responsible for products they did not explicitly opt into. I expect that XXXX XXXX will take corrective action to ensure that all charges are fully disclosed, transparent, and in compliance with consumer protection laws. 

If you have any records regarding the specific charges and add-ons applied to my account, I ask that you provide a detailed breakdown to me. Furthermore, I expect a prompt resolution of this matter, including the reversal of any unapproved charges. 

Thank you for your immediate attention to this issue. I look forward to your response and a timely resolution.
Product: Credit card or prepaid card

A Bloomingdales credit card was open fraudulently in my name. When I was made aware of the card I paid the entire principal plus interest on the card and asked several times that this account be taken off my credit reports ; I sent several statements to Bloomingdales agreeing to pay the balance on the card for that fraudulent account to be removed from my credit report. They instead tacked on interest during the pandemic when it was national health emergency. There were no adjustments or deferments made by Bloomingdales during this national emergency even though consumers were forced to leave their jobs. I reached at to Bloomingdales SEVERAL times asking them to remove this fraudulent account from my credit report and they totally disregarded the fact that the account was fraudulently opened in 2019. They claimed this account was a charge off even though I have not received any information about this account being in collections. That Bloomingdales credit card was not open by me and should be removed from my credit report.
Product: Checking or savings account

Hey ; I have multiple Business accounts with Truist Bank XXXX XXXX VA ). Due to my Business need, I have plenty of Cash Flow. On Friday XX/XX/2024, I went to branch located XXXX XXXX XXXX XXXX, XXXX, VA XXXX, to deposit the Cash around XXXXXXXX XXXX in my Business account. The Teller at the Counter named as XXXX  ( She told this name did not confirm her real name NO NAME TAG WAS ON THE SHIRT ) refuse to take the Cash that is against consumer rights. She said we don't take after XXXX XXXX XXXX Banking Time is XXXX to XXXX ), I requested her please take my cash because there was Business XXXX due on next day, If XXXX return, they will penalize me and tried to remind her Banking closing time is XXXX XXXX. She started misbehaving with me and when I said her That give me in written that you are not taking my cash than she will receive my cash. I faced same problem at this branch before. 
I want to request the authorities Kindly take the Action against this behavior and force the bank to follow the bank timing. 
thanks
Product: Debt collection

XXXX fraudulently charged me XXXX when I canceled my account. I went round and round with : XXXX XXXX XXXX : ( XXXX ) XXXX Executive Customer Relations, Case ManageXXXX Explaining how it isn't correct. 
Sent to collections : Transworld systems XXXX They call me from this number 6 times in every 7 day period and then spoof call me XXXX more times on those same days. If you look at my call log you will see it clear as day. They are in violation of fdcpa rules for harassing me. 
I want it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to charge me for cable service after I moved to XXXX and my tenant had occupied my home in XXXX  and had XXXX XXXX XXXX cable/internet installed. They were suppose to disconnect service on XX/XX/XXXX. I have told them that I was not there and have proof of being in XXXX and of my new tenant having XXXX XXXX XXXX installed within a few days of my move. This is now hitting my credit report. The amount is for XXXX. Any assistance would be greatly appreciated.
Product: Debt collection

I got a watch through XXXX back in XXXX  I believe and I got it through finance with XXXX! I went in store and got the watch! It is the most expensive one they have but I never got to make a single payment because they never attached it to my account! I tried many times to make a payment and connect the watch to my account and somehow it was never attached my account always showed no payments and it showed the watch as paid off which it wasnt! I spoke to many people who said the watch would show up and I could make my payments but it never did! Now its on my credit as my fault when its their fault for never correcting the issue!
Product: Credit reporting or other personal consumer reports

I have a FREE membership with Experian, and have always had a free account. I was recently charged XXXX $ by Experian on my Credit card. I have not requested for any credit report or any services. When I try to get in touch with them, my call is answered by a Bot, and it is impossible to talk to a human to get a refund for the money. I have been trying to talk to someone for the last 5 hours.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting

In XXXX of 2015 I bought a Truck and my Score was XXXX. On XXXX XXXX of 2015 my score went down XXXX points and on XXXX XXXX my score went down another XXXX points and no one at any of the agency 's can tell me why. I do n't understand XXXX points in 10 days with no activity except payments made on my credit card and my truck. I had my credit cleared except for XXXX Items which are XXXX XXXX, XXXX XXXX, and XXXX ( XXXX ) which were settled over a year ago and my score has remained steady for that year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report.

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

Subject : PNC Bank for Violations of FDCPA, FCRA, and Harassment Practices Violations : 1. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : PNC Bank failed to ensure accurate reporting of my account.

2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : The excessive calls and threats of repossession violate consumer protection laws. 
3. Notification Requirements ( 12 CFR 1026 ) : PNC Bank failed to provide proper written notice before reporting the charge-off.

I am filing this complaint for the following violations : 1. FDCPA Violations : PNC Bank, through its representatives using XXXX ext. XXXX, made harassing calls to me repeatedly ( XXXX times a day ) in XX/XX/XXXX to demand payment on my auto loan, despite my account being in good standing at the time. 
They threatened repossession of my vehicle, even though the payments were not delinquent beyond the XX/XX/XXXX due date. 
2. FCRA Violations : PNC Bank inaccurately reported my account as a charge-off to credit bureaus in XX/XX/XXXX without any formal notice in writing, email, or mail. 
Despite making payments for XXXX, XXXX, and XX/XX/XXXX under duress from these threats, PNC continued reporting the account as delinquent and charged-off. 
3. Failure to Notify : PNC failed to issue written notices of delinquency or provide any communication regarding the placement of my account into charge-off status, as required by law. 
4. Misrepresentation of the Loan : I have written proof ( attached ) that the auto loan was paid in full as of XX/XX/XXXX and that all payments were made before the loan term expired. 

Attachments Provided : Proof of full payment in XX/XX/XXXX ( loan payoff letter ). 
Call records showing repeated harassment. 
Credit report showing the inaccurate charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

Letter sent to credit card company below To whom it may concern, I would like to reopen this case where the merchant XXXX XXXX has charged me {$190.00} without authorization on Thur, XX/XX/2022. The merchant XXXX XXXX is a hotel that I stayed in from Mon, XX/XX/2022 to Fri, XX/XX/2022. I made my first transaction with the merchant on Tue, XX/XX/2022 for {$280.00} to confirm my reservation. I received an email confirmation with the total cost of the reservation {$570.00} and remaining balance of {$280.00} to pay at the hotel. On Sun, XX/XX/2022 an additional guest was added to the room and the remaining balance increased to a total of {$670.00} to pay at the hotel. On arrival at the hotel I was charged the remaining balance and signed papers confirming the amount I was being charged for. My guest and I did not participate in any activities during our stay that incurred additional cost. However, during my stay I noticed a charge of {$190.00} posted to my transaction activity but I did not authorize the charge. I do not know where the charge is coming from and have not been provided with any detail regarding the charge by the merchant. Upon checking out I asked the front desk worker about the charge and they did not see the charge on their end. I assumed this was fraud and someone illegally gained access to my card. After my dispute was rejected by Barclays I called the hotel again, a XXXX number which may incur charges. I was placed on hold for over an hour trying to get in contact with someone. I recorded the conversation with the front desk worker who stated they did not see the charge on their end again and I would need to speak with the invoice department. I then waited on hold again to reach someone in the invoice department who has yet to provide me with an invoice regarding the charge.
Product: Mortgage

I requested forebearance assistance about 2 weeks ago due to COVID 19 and to date have not heard anything. I did this on the internet website 53 baNK has. tHERE IS no one that picks up the phone in loss mitigation. I have still not heard anything and I need help
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation and clearly, they violated my rights. I looked at my report on XX/XX/2024, I noticed some things were reporting incorrectly. I sent a letter to Experian asking them to reinvestigate the completeness and accuracy of my accounts. However, I waited the required amount of time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Product: Credit card

Discover charges unusually high interest rates ( over 30 % ) and fees as it is. I am reporting problems with accessing my account online which is keeping me from making additional payments to satisfy my responsibility -- so they can continue to charge additional fees making it more and more difficult to EVER pay off this revolving credit loan. The password I have recorded in my notes no longer works on the website. After supplying excess additional details JUST to pay my card ( would not work to log on to my account to make additional charges ) -- -I now have to wait for a code to be texted or called to my number to " confirm '' it is me trying to log on. I have tried requesting both a text ( twice ) and a phone call and NEITHER is coming to me. I can not make a payment due to this glitch on their end. I am requesting relief of fees for the past 3 months and lower interest rate by 5 percentage points or more so that I can pay this account down. The escalation is making it more and more likely that they will not see money from me at all because it will never be possible to make a payment! Please help. This is ridiculous.
Product: Credit card or prepaid card

I am reporting big fraudulent charges on the fraudulent Wells Fargo credit card account with my name, the card ending in XXXX. I have been living in central Illinois near 18 years now. Unfortunately, recently my identities were stolen by a thief in Florida. I received a Wells Fargo bill statement of credit card ending XXXX on XXXX XXXX, 2022. I never apply for or have this credit card account. The statement shows big fraudulent charges of a total {$5900.00} including major transactions in Florida. I called Wells Fargo right away to report this fraud problem. But yesterday I received an attached letter from Wells Fargo which denies my fraud claim. I had to call Wells Fargo again to ask detail checking and investigation about my claim. I spent over XXXX hour to spoke to XXXX different representatives but no good answer so far. I had reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, Illinois. I also filed an Identity Theft Report to FTC, and enclosed copy here.
Product: Debt collection

This debt is from a former deceased relative that I had removed from credit bureau, its now being attempted to be collected 10 years, its a account from 2006, later by a XXXX collection agency, none of which are the original debtor
Product: Debt collection

I was contacted by a Mr. XXXX on the behalf of XXXX & XXXX apartments. This was end of XXXX to late XXXX early XXXX. I stated to him that I did n't owe them anything I was never presented with a bill after I returned my keys. He then stated to me that it would go on my credit report and I would n't be able to rent another apartment. XXXX XXXX or XXXX. I received a call from my aunt who was a cosigner when I first signed my lease with XXXX & XXXX, but she did n't sign when I renewed my lease with them. She stated that this XXXX guy has been calling her about a debt I supposedly owed to this apartment company. I stated to her that she should n't have gotten any calls because her signature was only on the first year that I stayed in the apartment. I called Mr. XXXX over 6 times. When he finally answered I stated my name and went on to ask why would he contact my aunt and she had nothing to do with my business because she did n't resign the lease when I renewed with this apartment complex, so she should n't have been contacted. I stated that he has disclosed personal information and asked could I speak with his supervisor he stated no and hung up in my face. I called back repeatedly he finally answered I stated that he waa rude and unprofessional and asked could I speak with a supervisor. He transferred me to another man. I stated my name and what I was calling for he too was rude. I repeated how mr. XXXX was very rude and how he has been contacting my aunt and informing her on information that has nothing to do with her because she only signed for the first year of my lease. He stated to that he was n't aware of what transpired between mr. XXXX and I and how do I want to settle my account. Still speaking in a even tone my voice is slightly elevated but not screaming. I said to him so after all that I said to you Thats your response. He then proceeded to tell me that my aunt was contacted because she was the guarantee on the lease so she is liable. I said no that not right because she never put her signature on the new lease that I had so how can that be. I then asked to speak to his supervisor he told me repeatedly and he too hung up in my face.