23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year>, I was sent a prepaid American Express card as part of a rewards program : " This Card has been provided pursuant to a reward, loyalty or promotional program. '' As claimed on the card website, this is for " Use at U.S. merchants that accept American Express Cards. '' However, since American Express does not provide a mechanism to register a billing address, name, or ZIP code for prepaid cards, most charges are declined. In addition, American Express charges a $ XXXX fee for this particular prepaid card after a year, even though the card website also claims " Funds do not expire. '' but right below it, also claims " Subject to applicable law, a {$3.00} monthly fee will be assessed against Card balance starting 12 months after Card issuance. '' After making multiple attempts to add the card to popular online services, such as phone bill payments, and online shopping, no charges are allowed to process. The above monthly fee also will result in the balance going to {$0.00}, despite the fact that virtually no charges are allowed to go through when used online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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 XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I lost my phone and was the victim of fraudulent transactions. I used Bank of America to pay many XXXX XXXX remittances for the same amount. I contacted XXXX XXXX and asked it to return the money to me, but they refused. Then I contacted Bank of America to recover the XXXX payments of {$2900.00}, totaling {$8900.00}. Bank of America said that because I logged into my Bank of America account many times, they refused to compensate me. How could an ordinary person log into Bank of America many times a day to confirm the account status? I lost my phone before, and it was not me who logged in. After that, I have been communicating with XXXX XXXX to see if there is any refund. Bank of America refused to compensate me because I logged in many times. I asked Bank of America if it could prove that I logged into the bank many times with the same phone. The banker said he couldn't be sure!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the criminal background it says Im on XXXX on one charge the other ones says driving while suspended while XXXX  I have never gotten a XXXX  from XXXX  ever I have a XXXX  from XXXX  which should not even be on the background in the first place its passed seven years and California state law says u can not report anything passed seven years which u have reported on the report and it was for XXXX  and it reporting XXXX  which is a lie and all of those charges have been dropped to infractions except one so u guys need to fix this I have lost my job due to ur in accurate report
Product: Debt collection

FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company # 1 : Diversified Consultants , Inc . 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : Diversified Consultants , Inc . Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. This is an error.
Product: Credit card or prepaid card

My CITI card has a Virtual Account Number system. I called to dispute a charge made on a VAN for {$18.00}. It is easy to close a compromised VAN and the whole purpose of the VAN system is to limit access to the main card number. There is no issue with the main card number, however, Citi has decided to block me from using the card at all. 

Over the succeeding 2 hours, Citi has repeated assured me on the phone that my card is fine, however, their website continues to indicate that there is a " hold '' on my card for potential fraud. There is no potential fraud. 

This is something that Citi has done before and their desired endpoint seems to be getting the consumer to open additional Citi accounts ( checking etc ) to " make it easier to verify ''. 

I suggest avoiding them.
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 Consumer 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 ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

i sent an email expressing how i was treated when i was on the call with one of there reps and asked for help .... 


My car was at the XXXX dealership in Downtown XXXX XXXX for a recall from XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX, my car was repossessed without any prior notice ; they came and took it around XXXX XXXX. The next day, on XX/XX/XXXX, I contacted the lender to inquire about making payments to retrieve my car. I explained that I had no transportation to get to work and that my car had been in the dealership for an extended period due to a recall. Unfortunately, the representative I spoke with was extremely rude and insensitive to my situation. She didnt even tell me where or who had repossessed my car so I could pick up my property and told me with sarcasm in her voice that I couldnt get it out until I paid what I was late on, which is over {$5000.00}. Her lack of empathy and unhelpful attitude only added to my distress. 

I believe this situation is highly unfair. My car was in the dealership for months, and I was not even provided with a rental free of charge. They expected me to pay for the rental daily, which was impossible for me as I earn minimum wage. How was I supposed to pay for both my car note and a rental simultaneously? This situation led to me losing my job a few weeks later due to a lack of transportation. 

Additionally, your website mentions that you provide assistance to customers facing hardships. I believe this situation qualifies as a hardship, so I am deeply disappointed by the lack of support and the treatment I received. It feels contradictory to what you promote. 

I am requesting that you reconsider my case and provide some form of assistance or payment plan to help me retrieve my car. I am in a difficult financial situation and need my car to get back to work and support myself. 

Thank you for your understanding and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

I was current with my mortgage to Wells Fargo. The next payment was due XX/XX/XXXX. On XX/XX/XXXX I called Wells Fargo and told I was in Default and had not made a payment sinceXX/XX/XXXX. I have until XX/XX/XXXX to pay Wells Fargo XXXX or I will be Forclosed on. I have owned my home sinceXX/XX/XXXX. My mortgage statement shows that I am current with no late payments due.
Product: Debt collection

AldridgePite LLP ( XXXX foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from XXXX stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me. I contacted XXXX and I was told the same as Aldridge.
Product: Debt collection

I never received notice of debt from the collection agency and was on a payment plan with the hospital to resolve. This is nuisance collection.
Product: Debt collection

I am a XXXX female XXXX veteran. I acquired my illness during an injury in XXXX. We moved to be closer to family and needed cell phones for emergencies. I am only XXXX and have had XXXX. The local XXXX office stated outstanding coverage in our rural area. At first, my phone didnt even work. Returned it only to find that there was no coverage where we live and my teens, husband and I had no way to reach emergency services, or keep communication with my physicians. 

Local office took an additional {$400.00}, we returned phones and it was supposed to be done. This was in 2007. Instead, it pops up for over two grand on my credit reports. 

I need to move closer to medical facilities to prolong my life. Instead, XXXX through the XXXX ( XXXX was sold years ago ) thanked me for my service despite knowing this information and refused to remove it. The first call was from XXXX XXXX stating it was wrong and they would fix it. Weeks later, she called to say she talked to the parent company who said they wouldnt remove it. She would not give me the contact info for this person. 

It is wrong, greedy and keeping me from seeing my youngest graduate high school. Please help me.
Product: Checking or savings account

I received funds from the XXXX in XX/XX/2020 deposited into CapitolOne Bank. Today, 5 months later ; CapitolOne decided to close my account and threaten to return funds due to a suspected fraudulent deposit from XXXX. They did not offer me the option to prove that the transaction is legitimate.
Product: Credit card

This credit card account was opened in my business name using my EIN originally with XXXX XXXX. However in XXXXXXXX XXXX XXXX I was notified that XXXX XXXX had sold the debt to servicing solutions company who not only attached the debt to my personal credit using my personal social security number, they also hiked the interest rate sky high and changed the payment due date. My business had never missed a payment, and was never late prior to Servicing Solutions taking over the debt so there should have been no reason for the interest hike. Also, my information was leak in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I feel that is how servicing solutions obtained my personal social security number to attach the debt to. When I asked to be sent information validating and explained the interest hike etc, they sent their own companies general information that was not pertaining to or geared specifically towards my account personally. This is unacceptable and in my opinion fraudulent.
Product: Credit reporting or other personal consumer reports

I started my investigation on my credit report back on XX/XX/XXXX. I submitted my letters to the credit bureaus and have attached a copy showing that I had requested to have the collection accounts removed. I had sent the information through priority mail next business day and they received it as of XX/XX/XXXX. I had also requested to have incorrect names and addresses removed from my report. XXXX never responded to my initial claim, XXXX never responded, Equifax sent me a letter confirming the activity on my account on XX/XX/XXXX but never ran an investigation on my report. I sent a second letter asking to for an investigation to be completed back on XXXX XXXX 30 days later. I got a letter from XXXX on Monday the XXXX of XXXX saying they had completed my investigation and they had not seen fit to reopen the investigation. They have updated the results of their investigation to remove one collection account for XXXX. To date the other 2 bureaus have not removed anything. I had 4 collection accounts registered to my name ( XXXX, XXXX, XXXX XXXX XXXX XXXX ). I also had incorrect spellings on my official names and in the letter I sent them it shows my official address that I have lived in for almost 4 years. I can verify the data they have on my names and addresses are incorrect. I have asked for statements or documentation proving the collection accounts are valid and have yet to get any data.
Product: Debt collection

I do not consent to any of the following closed accounts and Inquiries being reported on my consumer report for Experian, block and remove them. XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX, XXXX XXXX XXXX balance {$0.00}, opened XXXX. XXXX XXXX XXXX balance $ XXXX. XXXX XXXX XXXX, balance {$1300.00}, opened XXXX.
Product: Credit card

To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my consumer report. The account in question is being reported with the following details : Creditor Name : SYNCB/ASHLEY HOMESTORES Account Number : Account ending in XXXX Reason for Dispute : Account balance or payment history is inaccurate, Account is closed but reported incorrectly, and The XXXX late payment is reported inaccurately. 
Upon reviewing my report, I noticed discrepancies in how this account is being reported, which I believe to be incorrect. Specifically : 1. The payment history indicates XXXX late payment status for XX/XX/2023, which I contest as inaccurate. 
2. The account status reflects " Canceled by XXXX XXXX, '' but I need verification of this status and clarification if this was reported correctly. 
I request that you investigate this matter under the Fair Credit Reporting Act ( FCRA ). If you can not verify the accuracy of the information or if it is found to be inaccurate, I request its removal or correction from my report. 
I have enclosed copies of the following for your review : A copy of my credit report highlighting the account in question. 
Please complete your investigation within 30 days of receiving this letter and provide me with written confirmation of your findings. I also request an updated copy of my credit report upon the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX accounts, 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 a account without my written instructions.
Product: Debt collection

Received a call from Premium Assets Services about a very old account that they wanted paid from a Jewelers. I was told that they wanted to have this account closed by the end of the year and whatnot, I told them I had no way of paying it. They threatened to take legal action and was very verbally abusive after I asked them to not call my Mother 's residence. XXXX XXXX was the joke of a man that I was speaking with, and started saying how well your Mother thought she was raising a good citizen, but obviously that 's not the case here. I am furious and my Mother is elderly and sick and does not need this whatsoever. I am a grown adult and my finances and money troubles are my own.
Product: Credit reporting or other personal consumer reports

I PAID THE XXXX XXXX XXXX XXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON XXXX XXXX AND XXXX. I DONT OWE THIS COMPANY ANYTHING
Product: Credit card or prepaid card

SXXXX XXXX  Walmart has been charging me 25.15 % interest for 5 years. I have asked them directly to reduce down the interest rate and they always refuse. They have received about {$1000.00} yearly in interest only from me. The balance owed never drops down.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :.
Product: Credit card or prepaid card

THE NUMBER SHOWS UP XXXX LEAVES MESSAGE TO CALL XXXX TO DISCUSS FURTHER DETAIL DOESNT SAY WHO THEY ARE CALLING FOR AND GIVE THE SECOND NUMBER TO CALL BACK DONT MENTION WHO THEY ARE I BLOCKED THE XXXX NUMBER BUT THEY STILL LEAVE A RECORDED VOICE MAIL FROM THE XXXX FROM WHAT IS XXXX AND WHAT MANY OTHER PEOPLE PUT FOR THE SAME NUMBER COMES UP AS CAPITAL ONE AND SCAM
Product: Checking or savings account

Urgent Assistance Required : Unfulfilled 100 % Cybersecurity Job Guarantee and Refund Issues My Situation : Initial Contact : On [ XXXX XXXX XXXX ], I encountered an advertisement by XXXX XXXX promising a 100 % guarantee of securing a cybersecurity job within 90 days. 
Advertiser 's Credentials : The advert claimed over 10 years of experience in the field, which influenced my decision.

Investment Decision : Instead of depleting my last savings, I opted to " invest '' in this opportunity for myself and a friend, anticipating a job within the stipulated timeframe.

Key Details : Enrollment Date : XX/XX/year> Current Status : Despite the 90-day guarantee, I remain unemployed.

Response from XXXX XXXX and Team : Efforts to evade responsibility and retain the payment have been observed.

Total Amount Paid : {$14000.00} Payment Method : Through Bank of America and XXXX XXXX credit card Refund Attempts : Outcome : Both Bank of America and XXXX XXXX have denied my refund requests. 
Appeal for Assistance : Name : XXXX XXXX Request : I urgently need help in resolving this situation, specifically : Securing the promised job or a viable alternative. 
Obtaining a full refund of {$14000.00}. 
XXXX XXXX : {$2900.00} Bank of America : {$11000.00} Holding XXXX XXXX and his team accountable for the unfulfilled guarantee.

Action Required : To assist me, please consider the following steps : Investigate XXXX XXXX XXXX business practices and the legitimacy of the 100 % job guarantee. 
Facilitate communication with XXXX XXXX and his team to resolve the employment and refund issues. 
Provide guidance on navigating the refund denial with Bank of America and XXXX XXXX, exploring alternative dispute resolution avenues if necessary. 
Offer support in seeking legal or regulatory recourse, should it be deemed necessary.
Product: Checking or savings account

XX/XX/XXXX at XXXX XXXX a criminal withdrew {$1800.00} from my checking account using a debit card that was attempted to be cancelled that morning by Bank of America from a stolen purse, without the pin number on the account. Crime was reported, bank of america did not conduct a thorough investigation and removed the temporary credit of {$1800.00} from my account XX/XX/XXXX that was put in back in XXXX. I have XXXX police reports on file, neither have found the criminal, and Bank of America failed to look at video at the branch in XXXX, NC where the money was stolen nor did they investigate my location/whereabouts because i was 3 hours away from the crime scene when it happened. I fully expect Bank of America to continue to drag this on for days and weeks and i have to retell my story multiple times daily to catch up the next new person i talk to on the case. Bank of america did not communicate with me one time from my report on XX/XX/XXXX and just took the {$1800.00} back, that is how i found out they closed their investigation saying the signature on the withdrawel was consistent with ours .... no duh! They stole our purse and could have learned to trace it during hte day. Plus i am angy i cancelled my debit card and someone trys to get a large sum of cash out, red flag, make them use the pin # for my protection! Bank of america 's policies are preventing them from doing the right thing now while they reconsider my case, they refuse to temporarily restore my {$1800.00} credit while the investigation continues. It is their fault the investigation failed! They have access to the video tapes at the bank, not me!!!! This is the problem with big banks, they don't care about their customer who has been loyal since XXXX for 20 years! They are on the brink of losing me as a customer for life!