23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Got a text from a number that claimed I needed to contact XXXX , Harris & Harris debt collector for something regarding the turnpike. After blocking the number I looked up the company and all I saw were bad reviews claiming they were a fraudulent company only focused on claiming debts that were not owed by the people they were harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date : XX/XX/19 Equifax- froze credit on XX/XX/19 ... simply trying to go in and do temp lift..however, their systems are not working and can not reach reps on phone ... I have online account set up in XXXX 2019..but unable to access due to their systems issues. Went through automated system entered all personal info and then it said the self service option was down. I went through all the trouble and time to set up account months ago and can not access, can not reach equifax ... 

Equifax is in complete turmoil with their systems and ability to service customers. I am a professional and XXXX  XXXX. The inept systems and ability to let consumers manager their credit is absolutely unacceptable. If I did that in my business, I would be out of business. Maybe Equifax should be if they can not manage and meet their obligations to customers. 

The CFPB should be testing their systems..it is embarrassing and unacceptable. They are making millions off our credit reporting and consumer/taxpayers should be able to manage it. Their systems have to improved. Obviously their systems are not given their data breaches. It is unacceptable behavior. I hope and trust that the agency put some serious pressure on getting things improved at Equifax.
Product: Checking or savings account

Chime bank issued me checks for XXXX and XXXX respectively for a previously closed account. I tried to deposit them through their mobile app to my current Chime account. They were rejected for no reason given. The mobile app is the only way to do a check deposit at Chime. After writing XXXX times, I spoke to supervisor XXXX on XXXX. He informed me not to redeposit saying some other department made that decision. In addition, he suggested I take the checks to another institution. So I asked..are you saying Chime will not honor checks issued and drawn on Chime when one tries to deposit to his Chime account..he said that is correct.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked to have them removed I am providing identity theft report. I am requesting that they be removed in accurate and not mine
Product: Checking or savings account

Regions Banks are reporting that account was opened on XX/XX/2015 when this account was declined but was reported to XXXX XXXX XXXX XXXX I have never had an account with Regions Bank and they are reporting inaccurate information that may have other financial institutes decline or refused to extend me offer for the next 7 years. Regions Bank pleae provided all methods used by you to report this as accurate to XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Fix my credit file or i will send a notice to the address The Notice to Experian should be addressed to : General Counsel, Experian, XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am indigent & demand that you pay my filing fee in pursuant to the arbitration agreement ( c ) After Experian receives notice at the Notice Address that you have commenced arbitration, it will promptly reimburse you for your payment of the filing fee. ( The filing fee currently is {$200.00} for claims under {$10000.00}, but is subject to change by the arbitration provider. If you are unable to pay this fee, Experian will pay it directly upon receiving a written request at the Notice Address
Product: Debt or credit management

Lexington Law in XXXX until XXXX and they basically took my money
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX  # XXXX, Account name : XXXX  # XXXX 1

5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any 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: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$780.00}
Product: Checking or savings account

On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes. On Wednesday, XX/XX/2018, I received a phone call from USAA stating that I would still be liable for the charges.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE. ( XXXX XXXX XXXX XXXX  FOR {$5300.00} OPENED XX/XX/XXXX ) ( XXXXXXXX XXXX  FOR {$130.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$710.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$810.00} OPENED XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumers financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Fraudulent item & this debt does not belong to me. Please help remove from credit bureaus, this is the 4 th time u am dealing with this same issue.
Product: Credit card or prepaid card

this complaint is regarding the clothing chain XXXX XXXX XXXX XXXX, and their credit card issued by Comenity Bank. 

I had an account with them for over five years. I set up my account to receive paper statements. For an unknown reason, I stopped receiving paper statements. I use the credit card, never received a paper statement, never received an email statement ( a  search of my email was done while I was online with the company 's customer service agent to verify no email has been sent while other promotional emails were being received ). I reviewed no indication of a payment being due. 

Furthermore I was never notified in writing of any form that the underwriter had changed and that the company was being financially managed to differently, and nothing to account for the change in the status of how I wished to receive my statements. I received an estatement on XX/XX/XXXX ( attached ). I started receiving urgent email notifications on XX/XX/2019 ( attached ) about the bill being passed due. 

I was charged interest, and late fees, and received no recourse from the company other than to pay the bill in full. On XX/XX/2019 I paid the bill {$87.00} ( which would not be pulled until XX/XX/XXXX, attached ), filed a complaint with the company and canceled my credit card.
Product: Checking or savings account

Two credit card transactions made on or about XX/XX/2023. Card issued from Wells Fargo. 
Transaction amounts XXXX XXXX Then on XX/XX/XXXX I paid off both transactions through my Wells Fargo savings account. 
These transaction as can be proven were to satisfy a loan made out XXXX XXXX XXXX this info was also reflected when card transactions were made. Wells Fargo is claiming it was an on line gambling transaction is is the furthered from the truth. They do want to pay out because of the amount that will have to be paid is over XXXX XXXX dollars on the cash back rewards program. This prob can be filed under counsel for breach of contract. I have reached out on at least 5 different attempts to get resolve on this issue and have been lied to on all. First told it was a glitch in the system and the money would be paid and now told I missed the cards. Again the financial institution is WELLS FARGO. I am prepared to move forward with a law suit if deemed necessary for breach however Id much rather see this handled through this institute. Thank you for your help in getting resolution in this matter.
Product: Bank account or service

I opened a Santander banking account in XXXX of 2016. At the time of opening there was a {$150.00} incentive to open the account. Since that time, I have called Santander 2 times to determine when the XXXX will be credited. XXXX call I was told there is a 3 month wait to get the credit so I would get it in XXXX. 2nd time I called I was told XXXX. I just called today XXXX and was told I am not eligible to receive the incentive. I wish to log a complaint about Santander 's deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me 30 days late. I disputed it several times with XXXX XXXX and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show XXXX XXXX as reporting me late, XXXX XXXX doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with Equifax once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that XXXX XXXX says I was 30 days late in XX/XX/XXXX. Equifax is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Product: Prepaid card

This dispute relates to XXXX Serve Prepaid accounts held by me and XXXX accounts held by my wife. On XX/XX/2024 I was unable to load funds to these cards and an email was sent to me and my XXXX that the cards were temporarily locked. We were also unable to log into those accounts. I called Serve on XX/XX/2024 and was told these accounts were permanently closed due to a returned charge ( I believe from a XXXX load of funds ). Serve customer service refused to provide any details -- such as the nature of the returned charge or the balances in the accounts. I was informed that the only way I could contact them to receive any information was by mail. I sent a letter on XX/XX/2024 requesting final statements on these accounts as well as funds from each account, which should be {$1000.00} per account. As of this date, XX/XX/2024, I have received no communications. Accordingly, I again called the Serve customer care number and was told to resubmit a request for this information by mail. I was refused, on multiple occasions, any direct telephone number to contact the company directly about the funds being held. I note as well that Serve 's refusal to provide me with access to my account records has prevented me from seeking a chargeback or other resolution ( such as complaint with the Texas Department XXXX Banking ) from XXXX who created the falsely disputed charges in the first place. 



At a bare minimum, I want the funds held in my accounts to be returned to me as quickly as possible. I also reject Serve 's contention I am in violation of their account agreement and would ask that CFPB direct the firm to reopen the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

After i noticed this Random account being repoted to my Consumer Report I Contacted Experian via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from them.
Product: Credit reporting or other personal consumer reports

Unfortunately I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX  XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law
Product: Credit card

I earned a total of {$1300.00} in rewards. I requested that this amount be transferred to my bank account back in XX/XX/year>. I have documentation to show, " Reward transfer Status '', but the money was never transferred to the account. Immediately after contacting XXXX, they removed the amount earned from the rewards account. 

To date, all I am getting for them are teasers to take a survey to access the rewards. However, when I tried the survey, the account didn't show anything about getting the rewards already earned. 


I am not the only person experiencing this problem. There are many like myself venting their frustration about XXXX online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Account XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Checking or savings account

First week of XXXX I noticed unknown charges on my bank account. I immediately contacted XXXX bank and shut down my card. The BMO representative XXXX issued a report back to the bank on the charges totaling {$51.00}. Approximately two weeks later the bank sent me a letter dated XX/XX/XXXX with reference number XXXX stating the " Our investigation reveals that your card was required to be present to complete the transaction. '' This is absolutely not true. The bank rep. XXXX advised the charge that came through on XX/XX/XXXX was actually done on XX/XX/XXXX which I was not in town and had my card with me. Secondly if they truly investigated my account they would see these charges appear all of a sudden and are from a location that is quite a ways from my home and does not fall in a pattern of my checking account. I called the bank on XX/XX/XXXX and was advised to send an email to XXXX and I would hear back within XXXX hours. I waited until XX/XX/XXXX and called BMO again. I spoke with a BMO manager named XXXX who advised she would escalate and call me the next day. That call never came. Today XX/XX/XXXX I called and spoke to a manager named XXXX who advised she spoke with processor and they can TELL that my card was presented at location. This is not true for these charges on my account are absolutely fraudulent and my card is with me at all times. BMO bank has offered NO PROOF that my card was present to make these transactions. I had a total of {$51.00} stolen out of my account with absolute no funds protection by my bank that I have been a loyal customer to for over XXXX years.
Product: Checking or savings account

XX/XX/2020 several charges on my checking account for a XXXX XXXX i immediately called the bank informing them of fraud charges on my account, in the amount of {$600.00} I NEVER authorized a XXXX anything. the bank was notified several times by myself that my identify was stolen. i immediately went to the police dept to file a complaint with them regarding my checking account and also it was discovered that 3 store credit cards were opened in my name along with a loan thru a company called " XXXX '' i had notified all 3 credit agencies my credit was frozen for 7 years, XX/XX/XXXX i received a letter from td bank saying that the charges were valid. several XXXX charges within minutes at different locations in another state. on XX/XX/XXXX went went into my account and charged me the {$600.00} and no they are hitting me with over draft fees, i was informed today by TD Bank that there was nothing they can do> This identity theft has been an absolute nightmare and i have supplied td bank with the police report, proof my credit was locked for 7 years to do identiy theft, i have filed also with identity theft.gov. I deo not understand why my bank is doing this. also the detective has reached out to them
Product: Credit card or prepaid card

Requested a credit card though XXXX XXXX, I am not upset about being denied ; however, I am upset about the reasons for denial and credit score reported by Synchrony Bank. 1. Multiple changes in phone numbers. I moved all my accounts to my cell phone ; because now all my creditors want to send text alerts or prefer a cell because my house phone doesn't provide these services. 2. Synchrony Bank states my credit score is XXXX, I monitor me credit score with all financial bureaus and my lowest score is XXXX mainly because I just refinanced my home to get a lower interest rate. I am never late, behind or mss any payments. I filed bankruptcy in XX/XX/2017, because my rental property in Florida was trashed by my tenants and the cost of repairs exceeded the value of the home, I still owed more than the value of the property. So because of that yes, I am in the process of rebuilding my credit and doing rather well at it. What I am angry at the most, is where did Synchrony come up with XXXX. They are upset, that at the time I filed bankruptcy, the courts wiped out all my credit cards, 3 of which were backed by Synchrony Bank.
Product: Credit card or prepaid card

Last year I upgraded my Marriott credit card with Chase to the XXXX XXXX credit card. This credit card has a higher annual fee ( {$95.00} ) and additional benefits, such as a annual free night certificate for rooms up to XXXX points ( instead of the XXXX points offer on the {$85.00} annual fee credit card ) on the account anniversary. Last year I paid the {$95.00} annual fee for the upgraded card, however the annual free night certificate I received was for a room up to XXXX points and not XXXX points. I contracted Chase, however they are unwilling to correct this.