23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Paid a user ( @ XXXX " XXXX XXXX '' ) through XXXX for concert tickets on XX/XX/2018. Two transactions totaling {$80.00} ( {$60.00} and {$20.00} from two different funding sources ). Tickets  didn't work at the venue. Seller must have either used them or resold them for further profit gain. 

Contacted XXXX  to get a refund ( since their app doesn't have built-in refund technology like PayPal has a Refund request link and Complaint Center ). 

XXXX  confirmed the seller was a fraud and had changed his name in their app ( to @ XXXX " XXXX XXXX '' ) and ripped off others. They claimed they'd to close the sellers account, but have not yet done so. 

However, XXXX refused to provide a refund ( which is to their illicit gain to allow criminals to get away with fraud on their platform, and support organized criminal activity ). 

They claimed that it was a business transaction, even though concert tickets are for personal use. A business transaction would like buying envelopes or a stapler, for business use. I'm not writing concert tickets off on my taxes and didn't take a business associate, like a business expense would be treated. 

XXXX is clearly in the wrong, and I hope the CFPB will support me and the millions of users of XXXX  in changing XXXX XXXX harmful consumer business practices.
Product: Vehicle loan or lease

On XX/XX/2021 i called the loan company because i had been charged an additional {$35.00} with my monthly auto loan. I spoke to the representative " XXXX '' who informed me that the charge was a " late fee ''. There is no indication within the contract that that was a late fee. XXXX emailed me the page of the contract that indicated late fee charges, however, the document contained a signature that was forged with my name and no valid signature from the dealer. I asked to be provided a copy of the full contract so I could review the document and ensure it was identical to the original, and that i was not being scammed by this loan company who claimed they bought my loan from the original dealer ( XXXX XXXX ). XXXX stated he would send me the contract via USPS mail. When i did not receive it I called back on and emailed the supervisor, customer service, and XXXX on XX/XX/2021. I was then told that reps did not have access to the contract and that the funding department processed my request and would mail it out. yet again, Premier auto Credit failed to send me a copy so i emailed and called them again on XX/XX/2021. I was told by XXXX and another representative that my request had to go through the supervisor and i was transferred over to supervisor XXXX XXXX  extension where i left a message and followed up with my 2nd email to him. I called again on XX/XX/2021 I was then told by representative XXXX that the " funding department provided the contract to XXXX, who would be mailing it ''. To date this company continues to provide me with inaccurate information regarding my auto loan, they refuse to provide me with information requested, and has not fulfilled my request to obtain a copy of the contract they received when they purchased my auto loan. Most of the representative refuse to identify themselves by name ( when you ask their name they hang up in the callers face ), employees are extremely rude, short tempered, and make threats, and/or hang up the phone when individuals call in. I have made a total of 8 payments to this company and i now have reason to believe I am being scammed or that this company is acting in an illegitimate ( fraudulent ) manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the XXXX major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a XXXX and an involuntary bankruptcy against the CFPB and the credit Bureaus.
Product: Vehicle loan or lease

I inquired as to auto loan rates on XXXX and after a few days I started receiving credit inquiries on my credit report. I did not apply for an auto loan with XXXX, but they sent out loan requests to creditors. My complaint is against XXXX for unscrupulous business practices and dealings regarding my credit.
Product: Credit reporting or other personal consumer reports

Hello I began my credit journey XX/XX/XXXX I started with a credit card with Chime I began noticing that they have not been reporting to all 3 credit bureaus as they stated they would when I applied and still currently on their website the date today is XX/XX/XXXX and the last time they reported anything has been on XXXX I didnt not want to escalate or make a report due to me wanting to be patient to see if there would be a update I then began my search online with similar customers/clients with the same card and theyve had similar problems and experiences like mine I personally dont want to close the account even though Im in good standing with them I just wanted to make my voice known to other people possibly experiencing the same situation as mine and hopefully getting justice/reasonable compensation for their false advertisement
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!
Product: Bank account or service

Overdraft fees. 
I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. 
For example, I recently set up an automatic payment for a credit card. I had transferred money to XXXX account ( I keep them separate to manage funds ) and because the transfer had not yet processed, and the CC pulled their payment ( ACH ) from my Chase account, there was a {$34.00} overdraft charge. 
In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. 
Furthermore, this can not be deducted from income taxes as 'accounting ' or 'bookkeeping ' fees. Why not? As an XXXX, I do n't have time to be an accountant, nor can I afford one, so I 'm occasionally hit with these fees. Why are n't they bookkeeping fees? 
I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. 
It 's infuriating.
Product: Credit reporting or other personal consumer reports

Please See Attached Documents for additional information that was requested by the Credit Reporting Agency. 

Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.
Product: Money transfer, virtual currency, or money service

Mid XX/XX/year> my mother and father in law who are based in XXXX were in a car crash and my husband who is based in XXXX XXXX travelled back home. When he informed me about the situation my parents in law were in I needed to send money and the we usually use Worldremit to send money home. I sent money to his Zambian number that I dont use often and I made a mistake with XXXX digit. The number I mistakenly sent to is XXXX XXXX XXXX. I sent XXXX XXXX which was meant to be ZMW XXXX, XXXX when being withdrawn in XXXX. The transfer number XXXX. 

Within a minute I saw this mistake I tried to recall the transaction as this app has that feature. Nothing happened it just kept on showing processing and there was no feedback. I called their call centre I was told that they are off line I must try in an hour. 

I called again in an hour I was told that they will engage their local partner which is XXXX at this case. I made follow ups I was told that this process takes time. Every second or third day I would make follow up and would be told the same thing. In fact now they got irritated that in future I must make sure that the number is correct. This happened on XXXX XX/XX/year> and I was told on XXXX XX/XX/year> that the money was withdrawn and they cant reverse it. I asked if they cant make this persons account have a negative balance so that should he get money to this mobile number it is automatically reversed up until all my money is paid up. I was told that is not possible. I asked for the email address of their local partner so that I can try to persue this on my own as worldremit is not interested in helping me recover my money and I was told they cant do that either.
Product: Credit card or prepaid card

I applied for a XXXX XXXX chase credit card that offered XXXX miles with qualified purchases. I received an email stating that the application process could take 30 days and I would receive notice by mail. I never received any notice by mail since XX/XX/2022 and the XXXX mile offer has expired. When I called Chase they want me to apply under the current XXXX mile offer but I should get the original XXXX that was offered. my credit score is over XXXX. Thank you for your attention in this matter
Product: Checking or savings account

am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.
Product: Credit card or prepaid card

This complaint involves a Capital One credit card. 
I had a 30 day free trial with a company called XXXX XXXX XXXX, a fantasy football service, back on XX/XX/XXXX. So I cancelled my free trial, before the 30 days were over.I have the cancellation receipt. 
So this company had my credit card information, and 9 months later, they started charging me monthly- {$29.00}. So if I hadn't cancelled their service, I would've been getting charged the previous 9 months too, you know? 
So I contacted Capital One, provided them the receipt showing I cancelled this service, and Capital One told me my cancellation receipt wasn't enough information?? 
I'm so upset with Capital One, they treated me like I'm some kind of criminal, and this company was the one that took my credit card number and started billing me randomly after a 9 month hiatus. 
I got billed 14 times for {$29.00}, as this company started billing me twice a month for some unknown reason, in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I just thought I post this situation, so someone considering any Capital One credit card, might want to rethink about it. 
What is funny, is the same thing happened to my wife, she had the same problem with her XXXX XXXX credit card and the same company, XXXX XXXX XXXX, starting to randomly starting to charge her card a few months after cancellation, and XXXX XXXX was great. They immediately credited my wife 's account, didn't treat her like some crook, and didn't have her on the phone for 3 hours like Capital One, and didn't make her wait for weeks for a decision, and then favor the rogue, scam company. How obvious was this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

I have been a victim of identity theft someone has obtained my personal information and open up fraudulent accounts in my name. I did not authorize nor provide permission to do so. Ive filed a police report with the police department supporting this identity theft, including that my social security card and drivers license was stolen.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX there was a refund sent to my cash app card by XXXX XXXX XXXX. {$3000.00} was refunded to my cash app by dealership. Cash app claims the dealership has the money. 
Dealership Claims CashApp has the money.
Product: Debt collection

I have contacted the collection agency to verify the debt and also the credit bureaus. It was deleted off one of my report for inaccuracy. I have not received a response from the collection agency and no verification from the bureaus. I had medical insurance at the projected time of the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and mailed a dispute letter to Experian on XX/XX/XXXX and XX/XX/XXXX. They responded with letters within 30 days explaining the account in question XXXX XXXX was verified by creditor but provided no documented evidence. I called them on 2 occasions XX/XX/XXXX and XX/XX/XXXX to delete the account and both times denied. My next step is to start litigation against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed on my credit report are transactions not done by myself. I have made numerous attempts to have them removed, where you responded saying this wasn't disputed on my behalf/ by me.

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted other requests to both Trans Union and XXXX to have the three accounts from XXXX XXXX XXXX removed from my credit report. These accounts are company accounts and are not personal. XXXX XXXX XXXX has responded that XX/XX/XXXX theyve updated and should be removed however Trans Union and XXXX continue to keep them on my credit report stating that they were verified. That is in complete disregard for the verification that XXXX XXXX itself has given me and has given CFPB in the complaint filed against them that I have attached hereto.
Product: Credit reporting, credit repair services, or other personal consumer reports

- My PenFed used auto loan was created on XX/XX/XXXX and I linked my XXXX XXXX XXXX XXXX bank account as an external account in the PenFed loan portal - To set up my account information, I used PenFed 's immediate verification portal which notes that it uses XXXX as the " security third party that will verify your banking account '' - I completed the immediate verification process and my XXXX XXXX XXXX XXXX account appeared in the PenFed external account portal - I attempted to make my first payment on XX/XX/XXXX in the amount of {$640.00} ( which is within the 2-month first payment window, so the payment was sent on time ), and received a rejected payment charge on XX/XX/XXXX and a late charge on XX/XX/XXXX. 
- I was *not* aware of the first rejected payment, and made a second payment to PenFed for the used auto loan on XX/XX/XXXX in the amount of {$640.00} and received a rejected payment charge on XX/XX/XXXX - I was made aware of the rejected payments and attempted to make another payment to cover the first 2 due periods on XX/XX/XXXX in the amount of {$1700.00}. That payment was also rejected - My credit report had a delinquent payment note added to it from the PenFed used auto loan line of credit - I talked to a PenFed representative on the phone on XX/XX/XXXX and was able to make a payment in the amount of {$1700.00} to cover the first two pay periods using a different bank account - On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had 3 rejected payments from my XXXX XXXX XXXX XXXX account when I tried to make my regular payment in the amount of {$640.00} - I found that XXXX XXXX XXXX XXXX XXXX account that was set up using PenFed 's immediate verification software had the wrong bank account information**. 
- I corrected the account information, and sent a payment of {$2000.00} to cover the past 3 rejected payment periods on XX/XX/XXXX - I spoke to a representative named XXXX at PenFed 's accounts department in late XX/XX/XXXX to discuss the information being incorrect and they made a note that he would start an investigation. I called again in late XX/XX/XXXX and another representative was not able to find any open investigation. 
- I made a a payment on XX/XX/XXXX in the amount of {$1200.00} to bring my account up to date while I tried to sort out the credit report investigation issue- I called XXXX 's accounts department once more in XX/XX/XXXX and spoke to a manager who said that I would have to call again to speak with XXXX to hear more about the investigation. The manager said they would follow up but I did not hear back after that. 
- I sent another payment for {$1700.00} on XX/XX/XXXX to once again bring my account up to date since my subsequent requests to PenFed has not resulted in any investigation, even after being in contact with the late payments and accounts departments.
Product: Student loan

I called on XX/XX/XXXX to request a full payment history starting in XX/XX/year> since the new mohela.studentaid.gov does not show my full payment history. I was told to expect this in 7-10 business days. It has been 14 business days. 


Today I spoke with XXXX who did not fix the issue.
Product: Checking or savings account

I submitted a mediation form, waiting to speak with the person who is assigned to my case, I feel that i should be compensated for there improper acts being a banking XXXX ion I believe fraudently taking out an accedential death policy without my knowledge classifies as FRAUD. There are several post on reddit stating the process step by step .I never got a redress call .they are not going thru this process I m not happy with the minimum cash comphenstion how dare they take out a cedential death policy on me an give me the minimum, Banks should be held accountable for there fraudulent acts.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX
Product: Credit card or prepaid card

Pre-approval offer sent in mail. Applied, no decision was given and application was put into a pending status. No decision received at any point. More than 30 days have passed. Hard inquiry placed on credit report, no account opened and no XXXX received. Capital one improperly accessed my credit report without providing a decision as well as sending me repeated ( i have received since the application including this week ) additional pre-approval offers even though they have not even given me a decision from when i applied from the first preapproval