23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

The Amex gift card I received says it's active and has {$25.00}, yet I can never make a purchase and it always says the payment method expired or declined. Whenever I re-add the payment method, I'm given a {$0.00} pending purchase for XXXX  days. 
After looking for my issue online, I have seen numerous others with the same problem, all noting that customer support was unhelpful and a waste of time. I refuse to go through that process for it not to work for me either.
Product: Mortgage

No matter what kind of loan transactions Ive ever tried to get through Wells Fargo, it was denied. And was easily excepted at other financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have sent a certified letter to XXXX XXXX Suntrust Bank disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than XXXX with no resolution, from Suntrust Bank. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.
Product: Money transfer, virtual currency, or money service

I am filling 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 affective 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

1 ) XXXXXXXX XXXX XXXX : OPENED XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
2 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE $ XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
3 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE ( UNCLEAR )- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
4 ) XXXX XXXX- OPENED XXXX CLOSED XXXX BALANCE $ XXXX- CREDITOR REPORTED LATE PAYMENTS FOR XXXX AND XXXX OF XXXX  FOR 30 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY 5 ) XXXX XXXX- OPENED XXXX BALANCE XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX XXXX XXXX XXXX, AND XXXX XXXX FOR 30-120 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY. 
6 ) XXXX XXXX : OPENED XXXX CLOSED XXXX UNCLEAR OF BALANCE- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. LISTED ON REPORT TWICE WITH TWO DIFFERENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

XXXX and SpringOak Capital continue to report and allege debt I do not owe. I did not receive any documentation or contact information for the party whom they spoke with to validate this debt. Under the Fair Credit Reporting Act this debt had to be properly validated before it was able to be reported.
Product: Payday loan, title loan, or personal loan

One Main Financial broke their obligation under contract laws to debit my account against our legally binding agreement to cancel one extra minimum payment of {$120.00} before its auto-pay due date and accept my payment of that same minimum due amount of {$120.00} before that auto-pay due date of XX/XX/2022. 
Since, One Main Financial justified their " breach of contract '' described above to be an intentional act, therefore I AM UNDER NO LEGAL OBLIGATION TO CONTINUE PAYING THEM ANY MONIES AS OUTLINED IN OUR ORIGINAL LOAN CONTRACT. I have closed our account agreement! One Main Financial also, never refunded me this extra {$120.00}, which they have stole, WHICH NEVER REMOVES THEIR GUILT OF " BREACH OF CONTRACT ''!
Product: Credit reporting or other personal consumer reports

I'm seeking your support to address an inaccurate account listed on my credit report. This matter has negatively impacted my reputation, and I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

After apply for a XXXX secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all three credits agencies to inform them of the inaccurate information. The account number is XXXX the name is XXXX XXXX. This account was last updated on XX/XX/XXXX XXXX. My name is not spelled correct or date of birth.
Product: Checking or savings account

On approximately XX/XX/2022, I opened an Albert checking account under a promotion that promised a {$150.00} bonus if there were three months in a row of 1. direct deposits over {$200.00} 2. at least {$100.00} in debit card spend Qualifying direct deposits would also unlock cash back offers on the debit card. 

I repeatedly contacted Albert customer support since opening the account to ensure that I was properly meeting the bonus requirements. They clarified that the 3 30-day periods would start with the first direct deposit ( which was on XX/XX/2022 - an XXXX deposit that they confirmed on my direct deposit list and which unlocked my cash back offers that month ). 

Thus, according to them I needed one direct deposit and {$100.00} of debit card spend for each of 3 periods - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Immediately after setting up the account, I went to their " set up direct deposit '' menu and was happy to see that XXXX  host was listed as one of the options. NOTE that this " set up direct deposit '' menu flows directly from the {$150.00} bonus offer page. I have saved screen shots from the DD enrollment process and at no time in this process did they say that XXXX host was not a " qualifying '' direct deposit. It was one of the options immediately after the {$150.00} bonus offer screen. Because enrolling " automatically '' didn't work, I followed their instructions to add the DD manually instead. 

Upon receiving that first direct deposit on XX/XX/XXXX, it did not automatically post as DD. so I wrote to customer service. and they moved the deposit to my official qualifying DD list inside the app. They clarified that this would be my first qualifying DD and the 30 day periods noted above. 

This continued for almost 2 months that they would add my DDs to the official qualifying DD list and I would make the required debit card spend. Each time I wrote in, at no time did any Albert rep say these deposits wouldn't qualify for the bonus. ONLY qualifying DDs count to unlock the debit spend offers and each time my offers were unlocked, further representing to me that I was qualifying for the bonus as well. 

Until this past week when they suddenly claimed - two months in to a three month qualifying process - that my deposits wouldn't count for bonus purposes. When I pointed out the misleading nature of their dashboard, the customer service correspondence we'd had, and that nowhere in their terms did they state this... they literally waited a week to get back to me, added language to the terms that was not there before, and now refuse to consider these deposits as qualifying even though they've been affirmatively misleading me for 2 months. 

This is fraud and bait and switch. They can not revise terms on a bonus after the fact, and they can not affirmatively mislead their customers with their dashboard or their CSR responses.
Product: Credit card or prepaid card

I believe that Bank of America ( BoA ) is in violation of, but not limited to, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) is that amended the Fair Credit Reporting Act of 1970 ( FCRA ), as well as, the Truth in Lending Act ( TILA ) of 1968, among other laws and public policy. 
On XX/XX/XXXX, payments I made to the balance of credit card ending XXXX were processed. On XX/XX/XXXX, BoA changed the dates of those payments to XX/XX/XXXX, after I submitted the XX/XX/XXXX complaint to the State of Michigan Attorney General and the purported Consumer Financial Protection Bureau, et al. Today, I an email from BoA, which stated the following : Dear XXXX XXXX : We were unable to withdraw funds from your Pay From account for the payment shown below. As a result, this payment was not made : Pay To Amount Payment Date Pay From Account BK OF AMER MC {$150.00} XX/XX/XXXX XXXX Your payment is still due and your Bill Pay service has been suspended. We won't send this or any other scheduled payments until you call us to reactivate your service. Action Required Contact us immediately at XXXX to reactivate your Bill Pay service. When you call, a customer service associate will review the status of this and any other scheduled payments and determine whether you need to make those payments using an alternative method. They just blocked my access from rectifying my 1 % of the balance minimum payment due {$150.00} I made on XX/XX/XXXX what they claim was a payment paid from a closed account I rarely ever made payments from within the last 12 months - via their website ; according to a Call Center representative purportedly XXXX XXXX of XXXX, NY today at approximately XXXX EST! She said, " you must wait 2 to 5 business days in order to access the account Bill Pay feature, which would be either Tuesday, XX/XX/XXXX or Friday, XX/XX/XXXX ''. This is ridiculous! Why send me an email to call immediately? They are trying to make me forget to rectify the issue they caused and submit the payment ... .... She also claimed to remove a checking account from my BoA account, without my permission. She refused to transfer me to a supervisor. I uttered profanity, because I was upset by the continuous flagrant disrespect held out by BoA. Just because I owe $ XXXX doesnt mean that you have rights to do illegal things with my account : rounding up decimals on bills to steal {$0.00} from and inaccurately presenting bill amount to borrower ( s ), now blocking me out for control of my account even after telephone consultation, I dont think that BoA deserved the right of existence. Imagine the number grandmothers and distracted single mothers they are taking advantage of with these attempts to pilfer nickels and dimes in a multiples to generate millions Serve justice, please. I want them to reverse all fees ever charged or intent to charge me within the last 3 months! 
Serve justice, please
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to XXXX  to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, XXXX  should not report false items when provided proof of payment.
Product: Credit reporting or other personal consumer reports

The following credit inquires were made without my knowledge or authorization and I request prompt deletion from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Wells Fargo fails the truth and lending act, they are deceptive, and fails to be direct and forward with their Wells Fargo Reflect Credit Card Terms and Conditions with Cash Advances. It is imperative for Wells Fargo to be very clear and detailed on their terms of conditions especially for those such as myself who have a XXXX XXXX and for minority groups who struggle with fully understanding such lingo which I am also apart of. 

Wells Fargo Reflect Credit Card is advertised as 0 % interest for a minimum of 18 months and maximum of 21 months. It states for all terms that there are interest fees applied including Cash Advances.

In the terms and conditions it states what the FEES are for Cash Advances which is {$10.00} or 5 % of the advance. It does not state that there will also be a monthly interest charge. 

I did a Cash Advance and was shocked to receive monthly interest charges on a no interest card, and this defeats the purpose of having a zero interest card. 

When I called in the representative read me something over the phone, however, I pulled up the terms and conditions and see that its very misleading, deceptive, and possibly false. 



Wells Fargo needs to be very clear, concise
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 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit report. Possibly due to fraud.
Product: Checking or savings account

Since the opening of our USAA account, they have continuously posted transactions accordingly to the account. The account would reflect the transactions within the business day, displaying the proper available balance. Then, our transactions would disappear for a whole business day, reflecting that amount of money back into our account. We would then spend the money USAA told us was available. The next day the previous transactions appear along with our new transactions, reflecting a now overdrafted balance. I believe they use a computer algorithm to do this on purpose to those with continuously low account balances in the hopes of charging us overdraft fees. 

For example, recently on the XXXX of XXXX, we made XXXX separate purchases of {$14.00} to the XXXX XXXX XXXX via XXXX and the official website. These transactions posted to the account and reflected in our available balance on that day. Yesterday, ( XX/XX/2019, a whole week after the payment posted ) I checked my account balance and saw I had {$30.00} available. I looked through my purchases thinking there might be some mistake, but didn't see anything amiss ( though thinking back, I didn't see those XXXX specific purchases listed. ) I spent the {$30.00} yesterday. Today, I awoke to see that my balance is overdrafted and suddenly the XXXX purchases are listed as having been Authorized and Posted yesterday, XX/XX/2019! Yet I have been using my subscription this whole time and was never made aware of any problem with my transaction. 

This is predatory banking practice and highly unprofessional! We entrust our money to a bank with the expectation that our transactions go through in a timely manner and that our accounts are balanced properly. In having a Visa Debit card with USAA, it is inherently understood that I should not need to balance my own account with pen and paper as I would have to with a check. I will not pay another overdraft fee because of their mismanagement of my account and I expect that they be the ones who are fined accordingly for preying on low income families ( and MILITARY FAMILIES at that! ) Yes, in some degree this is my fault for trusting the available balance listed and not expecting to be yet again cheated by their predatory algorithm. One should be conscious of how much money they have to spend regardless of what their bank tells them. It seems almost too absurd that a bank would do this to a customer and yet, here it is!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act This creditor has violated my rights. 
Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states that A consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b. A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelle handling of disputes particularly in the light of the recent cfpd lawsuit highlighting significant issues with the platform using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering the lost funds was impossible and the transaction could not be tracked, not only had Zelle neglected to protect consumers but has also allowed repeat offenders to exploit there system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

All  3  credit bureaus have failed to keep excellent history from a mortgage i obtained in   XXXX   to  XXXX  at  XXXX   XXXX   XXXX    XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had  ( 2 ) lea ses with  XXXX   XXXX    XXXX    XXXX   XXXX  for a  XXXX   XXXX  and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.