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

I purchased a sandwich at a XXXX restaurant operated by XXXX on XX/XX/2019. The charge should have been {$7.00}, instead I was charged {$77.00}. I did not see this on the receipt I signed - I don't deny that it probably WAS there, but there was a line and I was trying to get out of it as fast as possible. I was verbally informed that the cost was {$7.00}. 

I attempted to resolve this directly with the bank when I discovered the error several days later. I filed a dispute for the difference. 

The dispute was denied in mid-XXXX. I called the bank and they told me that they did not contact the merchant at all. Their decision was that because the card was present the charge was not in error. 

Seriously? What is the point of a dispute process if the bank won't even do the bare minimum?
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit card

Credentials associated with a XXXX debit card ( ending in XXXX ) were fraudulently obtained and exploited to initiate a substantial volume of unauthorized transactions over several months, totaling almost {$8400.00} through the PayPal platform. 

Details of Unauthorized Transactions : Upon reviewing our XXXX XXXX statements, we discovered that our account ( ending XXXX ) was subject to thousands of unauthorized withdrawals. These withdrawals occurred with high frequency and were for small, recurring amounts. To illustrate, on XX/XX/year>, XXXX small ( {$2.00} ) repeated withdrawals were processed in a single day by what appears to be a single user. 

Given the nature, volume, and frequency of these transactions, we believe that PayPal, which asserts its commitment to fraud detection and prevention, should have flagged this unusual activity as potentially fraudulent. No notification was sent to us or to XXXX, and no action was taken to prevent continued unauthorized access to our account, which we consider a lapse in PayPals duty to monitor and secure the platform against suspicious activity. According to standard principles of fiduciary responsibility and risk management, PayPal has a fundamental obligation to prevent misuse of its platform, especially when transactions follow a pattern consistent with fraudulent behavior. Federal and state regulations mandate that platforms such as PayPal utilize fraud detection software responsibly to protect consumers and act to limit fraudulent activity. Given these obligations, the lack of action from PayPal to detect and alert either us or our financial institution, XXXX XXXX, constitutes a breach of its stated policies and regulatory requirements. The substantial amount of {$8400.00} and the extent of unauthorized activity further underscore the responsibility of PayPal to reimburse the amount fraudulently withdrawn. We are prepared to provide a comprehensive list of all unauthorized transactions as reflected in our monthly XXXX statements. Additionally, we consent to XXXX providing any necessary account information to facilitate an investigation and resolution on your end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting to my consumer report as a charged off account. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. This account must be removed from my consumer report per IRS Publication 4681 ( 2022 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments ( For Individuals ) See XXXX XXXX XXXXXXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX (XX/XX/XXXX ), XXXX ( Experian ) and XXXX ( XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit card or prepaid card

I have an XXXX credit card from Barclays Bank. Around the second half of XXXX, I found an error in my statement and immediately called XXXX XXXX credit card customer service department and explained my concern about an unauthorized purchase at restaurant. I even spoke to the supervisor, at least the clerk told me about it. 
My old credit card has been canceled and replaced with a new one. About a week ago ( XX/XX/19 ) someone contacted me from the security department of the bank and told me that I would return {$16.00} for someone's purchase ( unauthorized purchase ). I tried to explain the situation again, even asking the clerk to allow me to talk to his supervisor ( again, as before, a couple of months ago ). The contact person only told me that the manager would call me within 48 hours. However, no one called me back. What is wrong with this bank - once issued a credit, in a couple of months it requires a money back!
Product: Student loan

MY LOAN SERVICE PROVIDER IS NELNET. Ive tried to Call my Loan provider several times before my first due date of my loan payments.. Never could reach anyone, i was waiting for a representative over 2 hours on the phone and then the phone called just ended abruptly. i also attempted to call XXXX XXXX and was on the phone for hours waiting for a representative to pick up This is unacceptable Ive tried on two different occasions w/ two different numbers to reach Nelnet XXXX XX/XX/XXXX & XXXX  on the phone for almost XXXX hours on XXXX call and XXXX min on another call just trying to reach them and the same exact occurrence happened where the call just ends after waiting so long. I am absolutely Livid! How am i suppose to get in contact with my provider if i cant even reach them on the PROVIDED phone number they give in order to reach them. All of their phone automated recording try to direct me to go online, NO i need a person and i should be able to reach one. I wish my loans NEVER transferred to Nelnet! I shouldnt be forced to make payment towards something i am trying to get help with. 

I did some research and sooo many people have the exact same issue. I dont understand how you can be a provider but NOT PROVIDE. 

I have also spoken with the Consumer Financial Protection Bureau, They have gave me general information and options on how to possibly resolve my concerns and i appreciate with everything the help they have provided for. Which led me to filing this complaint, very much needed complaint indeed.
Product: Checking or savings account

Before I was married my name was XXXX XXXX and I went to cash a check at a Wells Fargo Bank in XXXX NJ. I was asked if I wanted to open up an account and I told the teller no but he sent me to a personal banker who said that he needed my social security number to cash my check because I was not a customer. Later on I began receiving letters saying that I had overdraft fees in my account but I was confused because I never opened an account or was issued a debit card. When I brought the overdraft letters to a bank in XXXX, NJ the bank manager said not to worry about the letter and discard it. It turns out the personal banker opened an account for me without my permission to meet their quota when he asked for my social security number while cashing my paycheck.
Product: Checking or savings account

XXXX CITIZENS BANK ACQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX THEREAFTER. WE ARE HAVING DIFFULTY LOCATING SEVERAL ACCOUNTS IN THE NAME XXXX XXXX XXXX XXXX SS # XXXX OPEN IN XX/XX/XXXXAND SEVERAL ACCOUNTS IN THE NAME OF XXXX XXXX XXXX AND XXXX XXXX XXXX ( DECEASED XX/XX/XXXX-XX/XX/XXXX ). PLEASE FURISH ALL RECORDS ON ALL ACCOUNTS.
Product: Debt collection

Hello Im contacting you guys because I have XXXX phone calls strange emails and notifications from credit bureaus about this debt collection that is not mine. This is completely fraudulent and I have never done business with this company. I need this to be removed from our credit bureaus immediately before I take further action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Complaint against Apple Card - GS Bank for Violating 18 USC 894 Dear XXXX, I am writing to file a complaint against Apple Card - GS Bank for violating 18 USC 894, which prohibits making extortionate extensions of credit. I believe that Apple Card - GS Bank has engaged in predatory lending practices that have negatively impacted my credit standing and financial well being thus affecting my ability to make necessary purchases and manage my finances effectively.

have experienced unfair and deceptive practices from Apple Card - GS Bank, These predatory practices have resulted in a significant negative impact on my credit score, making it difficult for me to access credit when needed and affecting my ability to make essential purchases.

Apple Card - GS Bank has caused significant financial distress and hindered my ability to manage my finances efficiently. 

I request that XXXX investigate this matter and take appropriate action against Apple Card - GS Bank for their predatory lending behavior. I urge XXXX to intervene on my behalf and ensure that Apple Card - GS Bank complies with federal laws and regulations governing fair lending practices. 

Thank you for your attention to this issue. I appreciate your assistance in resolving this matter and safeguarding consumers from financial exploitation. 

Sincerely, XXXX XXXX
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 ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX  and XXXX  has an account on my credit report thats not mine. 
XXXX- account not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts they also violated my rights under. 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 a account without my written instructions. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXXXXXX Equifax- XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with XXXX, XXXX and Transunion over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXXXXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit
Product: Checking or savings account

First, this is the dispute I filled with Citibank. Dispute case XXXX APPEAL Hello, I am disputing/ case XXXX  XXXX on my debit card ending in XXXX This charge was made on XX/XX/XXXX i n XXXX FLORIDA . I did NOT authorize this nor did I make this purchase. There were 3 changes on XX/XX/XXXX XXXX for. {$68.00} 1 for {$38.00} and another 1 for {$290.00} All made in Florida I LIVE IN CA LIFORNIA and did not make these changes! NONE of these belong to me. Credit for 2 of them was issued back however you are not crediting me back the XXXX.. Please look into this and have this cleared up. If you have any questions please feel free to contact me at XXXX. Citibank will not credit me back the {$290.00}. They claim there is not enough evidence even though the y credited me back for the other 2. all of these charges were at the same place at the same time. 
I am not getting any resolve from citibank. They have been looking into this for several months a nd I keep getting the run around and keep getting transferred from person to person telling me t hey are looking into this and yet no resolve. I went into Citibank on XX/XX/XXXX spoke to a woman name XXXX  XXXX phone is XXXX who told me that she would help and could see the change was obviously not mine. She then went on vacation for 2 weeks, upon return I called her on XX/XX/XXXX S he told me she was in the middle of an audit and would not be able to help me then said I'd have to take this up with the dispute department that she could not help. That is what I have been doing for MONTHS! Please help me resolve this as I can not get help from Citibank. they are not protecting me or my money Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Debt collection

I paid a bill to XXXX XXXX XXXX on- line for XXXX. They continue to bill me this amount. I called them, because I could view that the total had cleared my bank.When i called XXXX, they claimed it went to pay old debt to Chapman Financial Services. I contacted Chapman FS, and asked them to show me that my account was credited this amount, they only used the information I gave them to continue calling me and sending me a new bill for XXXX. No where-in any questions or billings has the amount been-the amount showing on my credit report estimated XXXX??? 
this whole thing seems very fishy on both parts of XXXX XXXX XXXX and Chapman Financial Services
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX XXXX {$2500.00} high balance. XXXX XXXX owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Debt collection

I contacted ProCollect to let them know that I will be making payments through a third party company that will pay them monthly until the acct is paid in full. The representative accused me of refusing to make a payment. I been making partial payment for three months now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service NS unfair practices, which violates the 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 Fund ( EFTA ) and Regualation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports 1 late payment. I wish to have it removed or taken away. Ive never missed a payment. 
I have been on SS XXXX since 2019 There are derogatory accounts as well since they cancelled my student loans.
Product: Debt collection

I am writing to file a formal complaint regarding a troubling experience with XXXX XXXX XXXX, which has resulted in erroneous credit reporting and unfair billing practices. I received a notice in the mail from CCS collecting for XXXX XXXX XXXX stating that I owed them a certain amount. The notice provided an option to make a payment online, which I promptly did to ensure timely payment of any outstanding obligations and to avoid any negative impact on my XXXX XXXX. 

However, upon logging into the online portal, I discovered that the amount displayed was lower than what was indicated in the notice. Despite this discrepancy, I proceeded with the payment on the same day I received the notice, as I am diligent about paying my bills on time and did not want any adverse effects on my XXXX XXXX. 

I consulted with my accountant, who confirmed that I did not owe any funds to XXXX XXXX XXXX. With this information in hand, I initiated a dispute with the XXXX XXXX agency. Additionally, I reached out to XXXX XXXX XXXX directly and provided them with a declaration page of my insurance coverage, proving that I had the necessary coverage they were attempting to collect from me. They acknowledged their error and promptly issued refunds to me. 

XXXX XXXX XXXX assured me on multiple occasionsover XXXX timesthat they had contacted the XXXX XXXX agency to request the removal of the erroneous entry from my credit report. Despite their assurances and my provision of evidence demonstrating that I never owed the debt, the incorrect information continues to be reported on my credit profile. I started trying to resolve this in XXXX and we are now at the end of XXXX. 

I find it unacceptable that despite XXXX XXXX XXXX acknowledging their mistake, issuing refunds, and providing documentation to rectify the situation, they have failed to follow through on their commitment to remove the erroneous entry from my credit report. This has had a detrimental impact on my XXXX XXXX and financial well-being. I also sent in the mail and faxed the agency all of my disputes, proof of refunds and insurance paperwork. 

I am deeply troubled by CCS collecting practices, which involve sending notices that direct individuals to pay online before allowing any period for disputing the issue. This practice is unfair and undermines consumers ' rights to dispute erroneous charges. 

In light of the above circumstances, I am formally requesting the following actions : Immediate removal of the erroneous entry from my credit report CCS. 

I appreciate your attention to this matter and trust that you will take appropriate action to address these concerns. Please provide me with updates regarding the resolution of this issue. 

Thank you for your prompt attention to this matter.