23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I submitted a complaint and the number is XXXX. Wells Fargo responded with a lot of irrelevant information avoiding what is the heart of the issue. I AM NOT A CO-BORROWER OR CO-SIGNER ON THIS ACCOUNT AND AM ONLY AN AUTHORIZED USER WHICH MEANS I AM NOT FINANCIALLY RESPONSIBLE!!! AS AN AUTH USER I CAN USE THE CARD, " BENEFIT FROM IT '', AND PAY THE BILL AND THAT DOESNT MEAN I AM FINANCIALLY RESPONSIBLE JUST BECAUSE YOU HAVE ME ON THE CHECKS PAID OR STATEMENTS!!!! According to the laws you are required to follow you need to produce the original contract showing my signature which you FAILED TO DO. THE STATEMENT BELOW DOESNT LET YOU OFF THE HOOK OR ABSOLVE YOU OF FOLLOWING THE LAWS! IF YOU DONT HAVE THE APPLICATION YOU CANT REPORT THIS TO MY CREDIT PLAIN AND SIMPLE. I also was not on the bankruptcy.
Product: Credit card or prepaid card

I needed to make a large purchase to pay an IRS tax bill that was unexpected. I signed up for a My Best Buy Visa Card which had a promotion that for 18 months there was 0 % interest. In order to pay for this charge I had that was substantial, I called their customer service. I was told on XX/XX/XXXX at XXXX XXXX  during a call to customer service ( call duration 15 mins 18 seconds ), that it would also qualify for 0 % interest. The only reason we made this purchase was because we were told that it would qualify. 

I also had to pay an additional 3 % in order to make this large purchase due to credit card fees from the IRS. We would never have done this if we weren't told by the representative that it would qualify for the 0 % interest promotion. 

I realized this happened on XX/XX/XXXX, XXXX XXXX, and spoke with their billing fee dispute department. They promised me that they would review the recorded call from that day. I was told the process to review recorded calls can take a significant amount of time, so I waited patiently. 

To avoid accruing further interest, we paid off the balance that was causing the interest charges, and only didn't pay the interest fees assessed to our account. 

Our final interaction was on XX/XX/XXXX when I had not been contacted by Citi or Best Buy. I called at XXXX XXXX  on XX/XX/XXXX and was told that they can not comment further but that they were not going to adjust or credit the account for any of these false charges. 

I paid the remaining balance accruing interest on XX/XX/XXXX. I truly hope that there is some sort of protection for people who are abused and lied to by credit card companies. What I was told and promised on the phone by a Citi representative was false, I had to pay these interest charges, and would like to be reimbursed for all fees/interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue with Equifax 3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with Equifax only. 
see attached document. 
Thank You.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp XXXX Block Inc ) due to inadequate customer service and unfair practice, which violates 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

The company involved is Wells Fargo. On XX/XX/2023, my birthday, while I was in a college lecture with XXXX other people, a {$1400.00} cashier 's check was taken out of my checking account at a branch. I filed a claim for this money as I did not take this money out of my account. I was concerned about being able to pay for my college tuition fees next semester. They informed me that they would do a 10 day investigation into the claim. They told me after the 10 days that there was no error found. I called them to dispute the matter further as I am 100 % sure it was not me. They gave me the name of who the check was written out to, XXXX " XXXX XXXX ''. During the time that the check was taken out on the XXXX, the bank XXXX XXXX department called me and informed me that they had caught and blocked an attempted {$400.00} online transaction using my checking account. While I was on the phone, whoever stole my identity was at the bank branch getting the cashier 's check, as they said it happened at XXXX PM, the same time that I was on the phone with the agent. They told me that the device that attempted to make the purchase had an IP address in Texas. I live in California and have never been to Texas. After further researching the name that was written on the cashier 's check, XXXX " XXXX XXXX '', I found an account of a female with that name on XXXX. Her location was listed as " XXXX, TX ''. After trying to further dispute the claim that this was not me after their 10 day investigation, they informed me that the XXXX would give me a call within XXXX business days to explain the closure of the claim. It has been XXXX business days later and I have still received no phone call. I will be dropping this immoral bank, and I suspect them of simply stealing my money as they have been shown to do with customers recently. Customers online have stated they do not trust this institution and they have been terrible at trying to help me get my hard earned money back. I'm XXXX XXXX XXXX, in college full time, and watch my money closely. Please investigate these crooks. People who I have no knowledge of have stolen my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Credit Reporting Act. XXXXt Account # XXXX has violated my rights. 

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A, States I have a right to privacy 15 U.S.C 1681 section 604 A, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I paid for a western union money order in the amount of {$1900.00} made out in the transaction to my landlord XXXX XXXX in XXXX of XXXX or XXXX bought from the XXXX on XXXX and XXXX XXXX XXXX in XXXX Oregon. I left it a car dealership in XXXX Washington while leaving to get some documentation from my apartment in XXXX Oregon in order to buy a vehicle from that dealership. When I returned they had no recollection of said money order and someone proceeded to cash said money order fraudulently as it was made out to XXXX XXXX. I might have brought the money order with me and dropped it but I don't believe that I did. When I proceeded to retrieve the money from the fraudulently cashed money order western union made it impossible for me to get the money back. I have always been under the impression that it is illegal to cash and fraudulently acquire the proceeds from a financial instrument when you have to have forged the name of the intended recipient and most probably cashed it through your own account as you had no proper identification for that purpose. By western union not allowing me to retrieve the funds from my stolen money order they are promoting this type of behavior and the business that cashed this stolen money order should be liable for the cost I would think ultimately as they cashed it without identification. I have tried a couple different ways and times to retrieve the proceeds of my stolen money order to no avail. I just learned of this venue for remedy and ultimately would hate for this theft to go unresolved and western union to blatantly promote theft in this way. Again I was always fearful of forgery and theft by way of financial instruments but if the parties involved make it impossible to recover the stolen proceeds thereby leaving the guilty party free of any penalties or punishment then I don't know why more people don't just commit these crimes. Left unresolved promotes this type of behavior and that is unacceptable.
Product: Debt collection

Ive had several phone calls from a debt collection company ( NCA ) stated that money was owed to them due to XXXX XXXX XXXX giving a me a loan on XXXX XXXX.I never applied for a loan in-person or online! XXXX never gave me a loan! .This is FRAUD!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had insurance with XXXX XXXX in XXXX. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over XXXX points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BETTER BUSINESS BUREAU XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>. An unauthorized payment in the amount of XXXX XXXX ( XXXX ) US dollars was made from my checking account. This payment was made for a XXXX XXXX XXXX account. Also during this time, nine ( 9 ) fraudulent checks were also processed without my authorization through various methods.

I alerted my bank, Bank of America, to these unauthorized activities. The money taken through the fraudulent checks were credited to my account after an investigation. After an initial review, BoA denied my claim for the XXXX XXXX XXXX payment. I escalated the issue with Bank of America and provided copies of my financial records ( including my credit report and history ) to show that I have never banked nor had any financial accounts with XXXX XXXX. A few weeks later they responded that it was a valid transaction and provided me with a transaction receipt that was in poor quality ( a copy of a fax ) and with no relevant information other than the date and amount of the payment.

I had asked Bank of America for evidence that linked me to the XXXX  XXXX account because I had never opened an account with XXXX  XXXX. I also called XXXX XXXX to search for any possible accounts under my name, the search inquiry resulted in XXXX accounts that matched my name and information. 

Bank of America insists on using a single transaction receipt as evidence that it was a valid transaction and refuses to provide any additional information on the transaction. I asked them to provide information on the XXXX XXXX XXXX account and they refuse to do so. 

I am at a stalemate with Bank of America as I have provided all the information that is currently available to me as proof and evidence of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I have been unable to resolve my issue with the incompetence of your staff at the lower levels so I am emailing you directly as CEO of Goldman Sachs. My issue is simple, I am a XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. He has been on and off XXXX XXXX for years and on this latest time I receive orders there has been a struggle to get my Servicemember Civil Relief Act ( SCRA ) benefits and protections ( 6 % interest rate on credit cards ). Over 90 % of my credit card companies have complied with this which is the federal law ( statute ) yet Goldman Sach 's Apple Card have stonewalled me a few occasions. I need resolution at your level. This has also been the case with my wife 's credit card- XXXX XXXX. See email chain and attachments. Thank you.
Product: Credit reporting or other personal consumer reports

No action has been take and I sent off my letter a week ago
Product: Checking or savings account

On XX/XX/year> someone unauthorized got into my checking account and removed XXXX dollars. I filed a fraudulent claim with my bank. The bank ruled it as domestic and is refusing to pay the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for XXXX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.
Product: Credit reporting or other personal consumer reports

i would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
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Product: Debt collection

I was given a document of judgement for a Garnishment by my HR representative today at work. Without my consent my employer was informed of this document and given the opportunity to read what was on this document. They then gave the document to me at my place of business without any recognition of a process server or any request for my presence in the initial handoff.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license. To date the changes have not been made.
Product: Debt collection

Dispute of Inaccurate Information and Debt Validation Request Account Number : XXXX Collection/ChargeOff with XXXX Dear Experian, I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Additionally, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. Please provide a detailed response outlining the findings of this investigation, including the original written instructions from me with my wet signature. Furthermore, pursuant to Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the validity of the debt referenced above. Please be advised of the following : Dispute of the Debt : I dispute the validity of the debt, or any portion thereof, as stated in your notice. According to the FDCPA, you are required to cease all collection activities until you provide verification of the debt. Verification Requirement : As per Section 809 ( b ) of the FDCPA, I request that you provide me with verification of the debt, including a copy of any judgment if applicable.
Original Creditor Information : Additionally, if the debt has been sold or transferred, I request the name and address of the original creditor, as required by Section 809 ( a ) ( 5 ) of the FDCPA.

Cease Collection Activities : Until you provide the requested verification of the debt or a copy of a judgment against me, you must cease all collection activities related to this debt in accordance with the FDCPA.

Accuracy of Report : According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, please be aware that, according to Section 809 ( a ) of the FCRA, you are required to provide me with written notice of my right to dispute the debt and request validation.

Verification of Contacts : I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.

Failure to provide the requested validation within the specified timeframe will be considered a violation of the FCRA, and I reserve my rights to pursue legal remedies available under the law.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from Carvanva. On the third day of having the vehicle an message saying the Alternator and battery was dying. Carvana warrantys company XXXX XXXX  set up XXXXXXXX XXXXg to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.