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

i have XXXX for XXXX months. i used whatever money i had left to cover my account.i even transferred what i hd left in my savings to cover the bills.next day i get whacked with 3 overdraft fees.i than borrowed XXXX from my daughter to cover my account but other things came in causing my account to be minus.they hit me with 3 more overdraft fees.and even when my account was XXXX they kept letting other things come and hit me with another overdraft fee.since XX/XX/XXXX i have been charged 7 overdraft fees from wsfs.i called to ask them to reverse them that they shouldn't be doing this and they didn't want to hear about it.my first check from my new job and half of it goes to cover overdraft fees.this is rediculous.i 'm about to go to the state attorney general and have them look into wsfs practices.i 'm also about ready to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a police report along with a dispute letter about the XXXX   account thats reporting on my credit report ...
Product: Credit card

XX/XX/year> XXXX dollars for cash advance of XXXX Or a 56.7 % charge fee and XXXX cents for transaction fee? Totalling over 59.59 % in fees. 

Why are you even charging me the transaction fee if you are going to also charge me a cash advance fee. 

Apparently a few years ago citibank changed their terms and conditions without notifying customers and started charging cash advance fees on XXXX purchases. 

I checked and a few class action lawsuits were initiated. 

For now any transactions on mobile paying app XXXX is classified as a cash advance. 

This is ridiculous and abuse. I also understand charging XXXX % fee but 56 % is outlandishly a abuse and scamming customers. I urge cfpb fine and ban this practice of going behind customers and charging these fees when it should at most be XXXX % of purchase. 

We need to stop these abusive practices. Fees upon fees for doing nothing of value and changing terms and conditions without our knowledge or consent just because they sent the changes does not mean we agreed to it. 

Removal of these predatory practices is desired
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX 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

LVNV Funding is inaccurately reporting that I have a collections debt of {$630.00}. XXXX XXXX is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.
Product: Checking or savings account

I bank with Capital One and I filed a dispute for a {$400.00} purchase from XXXX. The items purchased were not as described. I purchased hair with the intention of bleaching the hair to then dye and customize for my business. I supplied multiple forms of proof that the hair was described as being able to be bleached by the seller. But the hair was, in fact, not able to be bleached. The seller 's defense was that the items were not described this way, but I submitted screenshots of the seller 's website showing that the items are very clearly described this way XXXX the description is still currently published on the website ). I also reached out to ( 2 ) other hair companies and had them confirm in writing that the hair provided was not as described and could not be bleached. Nevertheless, Capital One has decided to deny my dispute and charge me for the items purchased. I do not believe I should be charged because the seller 's defense that they did not described the items in this way is clearly rebutted by the fact that the very same description of the items is still published on the website and available to the public. It honestly feels like Capital One did not even attempt to look at the facts provided or advocate for the consumer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has NOT reported any of credit cards account information to any of the three major credit bureaus in more than 90 days ( Over three months ) their last reporting was in early XXXX and this is negatively impacting my credit score, since i have been consistently making payments to lower my balances and as of XXXX all of my five accounts with Comenity bank had been paid in full. However, as of today XX/XX/15 has yet to be reported to the credit bureaus. 
When I contacted them they couldn't even provide a reasonable ( if any ) excurse at all as of why they have failed to report to the credit bureaus. 
My responsibility lies in paying these bills every month. Theirs is to report to the agencies. I been doing my part why haven't day?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item need to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of unauthorized inquiries currently reported on my credit report. This communication constitutes my Round XXXX dispute under the Fair Credit Reporting Act ( FCRA ) for the following inquiries : Inquiry Information : Inquiring Company : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XXXX XXXX XX/XX/XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring XXXX XXXX XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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, MD XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Checking or savings account

My XXXX account was closed by BNY Mellon because of recent changes to the benefitwallet portal. I had uploaded the receipts based on the transactions that I had and as per the portal, the payout will only happen only when the account is funded which worked as expected in the old portal. For the new portal, they had asked me to re upload the pending receipts that were not paid out which I did. The new portal decided to send me funds that were not available and it failed and resulted in non-sufficient funds fee of XXXX $ and closure of the account. I called up benefit portal and they acknowledged this was an issue with the new portal ( XXXX Employee ID XXXX ). XXXX also mentioned on the call that she was not aware of this change in new portal and stated she is going to open a case and request BNY to do the below : The case number that was opened was XXXX A ) Reinstate my account B ) Reverse the NSF fee C ) Cancel the 12 transactions that were moved from the old portal to the new portal. I had no idea that benefit portal was changed and would work like a checking account based on how the FAQ clearly stated that payout will only happen once funded.
My claim was closed by benefitwallet operations director stating lack of evidence and are not willing to help anymore. There was no letter or any sort of communication about the payout procedure. The call records of XXXX will also state that all the employees of benefitwallet are not aware of this change. In lieu of this, I would like my account reinstated and NSF reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management XXXX. XXXX  XXXX XXXX XXXX, California XXXX XXXX : Account XXXX Dear Midland Credit Management, I am writing you about two violations with this account that I would like for it to be immediately removed from the credit bureaus. 

1 ) Statue of limitations this account is over 7 years old 2 ) No written notice prior to you all damaging my credit was sent out to me I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in ( Maryland ) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. 
This letter is your formal notification that I have filed a complaint with Consumer Finance Protection Bureau. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. 

XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 
I belief that Portfolio Recovery did NOT do a proper investigation. 
If they did, all 3 credit bureaus would be reporting the same Date Last Active. 

XXXX reports XXXX XXXX. reports XXXX XXXX. reports XXXX I have disputed this account with portfolio recovery for over a year now. 

This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : TAB/SUNBIT Account Number : XXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Its was a total of XXXX inaccurate accounts that dnt belong to me nor did I authorize. XXXX of the accounts were deleted but XXXX still are reporting. Please remove these accounts from all XXXX bureaus
Product: Debt collection

On XX/XX/19 I received an email from XXXX, a collection agency. I asked for a telephone number to call as well as detail in the debt. I was given a name that represents 80 different online lenders. I am not certain of the validity of the debt. I was instructed that I must pay with a XXXX prepaid card. This seems suspicious to me, plus the fact they will not give me a telephone number to call and talk to a representative. When I stated this was suspicious, they sent back an email stating an arrest warrant would be issued.
Product: Credit card or prepaid card

Credit card payment was due on XX/XX/19. Payment in full was made online on XX/XX/19 four days before it was due. Wells Fargo sent a payment confirmation saying payment would be posted on XX/XX/19 a week after payment was made. It generated a late charge of {$25.00}. I went into the bank to ask for the charge to be refunded. Request was refused. I said this was predatory and I would be filing a complaint.
Product: Debt collection

On XX/XX/2023 Synchrony Bank used phone number XXXX to call me regarding a past-due bill. At this time, I explained the them my situation and told them that I would make a payment as soon as I was able but that at that time I was not able to make a payment. I asked them to stop calling me during that call. On XX/XX/2023 they called me again regarding this debt. 

In addition, I was under the impression that they could not call me to speak with me about a particular debt for seven days after having a conversation about it.
Product: Money transfer, virtual currency, or money service

Transfer of money was canceled by Moneygram without any explanation. Prior to this I used the Moneygram XXXX to transmit money without problems. So I was directed to speak with the decision makers and they told me that I will have to use another company to transfer money. So out of frustration I reconnected with XXXX XXXX which I used before but had higher rates but lower receiving exchange rate. So after a couple of successful transactions with XXXX XXXX I had the same problem with XXXX XXXX. 
I came to the conclusion that XXXXMoneygram had black listed me. I came to find out that XXXX XXXX and Moneygram had merged. I made several phone contacts with both Moneygram and XXXX XXXX  but that changed nothing. I tried XXXX but I am in the same position. I need to know what is the problem is. 
I have been supporting my family for over 30 years. My family needs me.please help me overcome this.
Product: Mortgage

CHASE BANK IS A LIAR, INCOMPETENT, NEGLIGENCE MORTGAGE LENDER, THEY LIED TOO. 
THEY FORCED ME TO SHORT SELL MY BEAUTIFUL HOME THAT I LIVED IN FOR 22 YEARS. 
CHASE WILL SAY THAT THEY FOLLOWED ALL POLICIES, UNDER THE LAW BUT THEY DID NOT. 
I SENT BACK ALL DOCUMENTS THAT THEY REQUIRED AND THEY CONTINUELY LOST THEM ON PURPOSE AND SAID I DID NOT SEND THEM IN WITHIN THE TIME FRAME THAT THEY ALLOWED. 

DON'T BELIEVE A WORD THAT THEY TELL YOU. 

7 CHASE TOP EXECUTIVES COMMITTED XXXX, BECAUSE OF THE WAY CHASE CAUSED MILLLIONS OF PEOPLE TO BECOME HOMELESS, CHECK IT OUT. 
I AM REQUESTING {$40000.00}. IN DAMAGES, PLEASE YOU NEED TO GET THEM TO PAY,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Money transfer, virtual currency, or money service

Unauthorized transaction were made on my CashApp without approval.
Product: Money transfer, virtual currency, or money service

Since Sendwave promises in their app they deliver the money up to XXXX hours ( attachment XXXX ), we had an emergency in XXXX, and we used their services to send that money ( attachment XXXX & XXXX ). 

Today, it has been 06 days since we sent the money and yet, the money has not been transferred to our bank account in XXXX. 
I have made several attempts to resolve this matter by calling their representatives, and by chatting online. And it seems like they do not really care about resolving this situation. Instead, what I have been getting for an answer ( when XXXX is provided ) is : no need to contact us again about this matter. We will send you an email when its done. ( Attachment XXXX ). 
I have asked to talk to a supervisor over the phone, and I was told there was no supervisor to talk about this, but someone would contact me, which also never happened! 
I was finally informed over the phone that they have encountered technical problems with whoever company makes the transfer in XXXX. But I have talked to someone who has used their services just last Saturday and the person assured me they sent the money ( smaller amount ) on XX/XX/XXXX, using the same Sendwave app and their money was deposited on the same day. 
My concern is : Why are they holding up our money for so long? Why is there no relevant reason explained by their representatives? Why has my money not been deposited yet and no one can give us a solution? Why after 05 days now, if I cancel the transfer, I was told I by a representative will have to wait up to XXXX business days to have my money back? 
I have sent {$2900.00} dollars on XX/XX/XXXX My wife has sent {$1000.00} dollars on XX/XX/XXXX I would appreciate your intervention on this matter. 

Thank you!
Product: Student loan

Applied for XXXX in XX/XX/XXXX with XXXX. XXXX approved XX/XX/XXXX. Called XX/XX/XXXX. Advised to resubmit. Resubmitted XX/XX/XXXX. Called XX/XX/XXXX. Told to be patient. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX a manual transfer was requested for loans to be transferred from Nelnet to XXXX. Called XX/XX/XXXX still waiting for loans to be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I was required to pay off my XXXX XXXX XXXX  in order to purchase a building for my business. I complied and paid it off. XXXX XXXX XXXX XXXX, and Transunuon refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, XXXX, XXXX and Transunuon completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and Trabshnionfor them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX  or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.