23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX down payment received by company ( The Used Car Factory ) towards XXXX XXXX XXXX. They made copies of " everything '' I signed but conveniently left out a copy of the original credit application for me to take home. I spoke with a few loan officers with my XXXX XXXX and they have not received any physical documents from this company only multiple applications. XX/XX/XXXX The finance manager of the company excessively texted and called me throughout the day to sign a new edocument for the vehicle. Further evaluation of the document revealed they had submitted fraudulent income, in excess of my actual income, {$25000.00} gross yearly. I questioned the fraud in the document with the finance manager and he proceeded to misrepresent that the bank verified this income. I filed consumer protection complaints as well as a XXXX with the dmv against the manager/owner in my state. The same day I returned the vehicle and the owner refuses to refund my {$2000.00} down payment. I've seeked legal counsel and started proceedings.
Product: Money transfer, virtual currency, or money service

Former CFPB complaint number : XXXX I am filing regarding the fact that only some of the funds mentioned in the final paragraph of the letter issued regarding the aforementioned case ever made it to me. No one ever contacted me prior to refunding so several of the accounts were closed at the time of refund. Please get in touch with me to sort this out. I am on the phone with your support team right now and they are not helpful.
Product: Debt collection

ON XXXX CCS COLLECTIONS DAMAGE MY CREDIT PROFILE WITH XXXX  AND XXXX  WITH A MEDICAL BILL IN THE AMOUNT OF {$570.00} THAT VIOLATES THE FDCPA 15 USC 1692c ( a ) and ( b ) 15 USC 1692e ( 11 ). ON 5-23-2021 CCS COLLECTIONS DAMAGED MY CREDIT PROFILE WITH XXXX WITH A MEDICAL BILL IN THE AMOUNT OF {$570.00} THAT VIOLATES THE FDCPA 15 USC 1692c ( a ) and ( b ) 15 USC 1692e ( 11 ).
Product: Credit card or prepaid card

In a letter posted here on XX/XX/XXXX, US Bank agreed to close the account they created at XXXX. As a result, the complaint that I created here on XX/XX/XXXX was closed. There response on XX/XX/XXXX failed to address my grievance regarding the credit card they misrepresented and I recieved under false pretences. They did however agree to close my account. They did for two days, then they choose to activate it again. I hope this proves that I can not negotiate with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always been in a deferment or a forbearance option through navient. I have never missed a payment due to my elegibility w my income due to XXXX. and ssa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advantage Credit and XXXX XXXX loans pulled my credit without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Goldman Sachs Bank a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these account and did not authorize them. They are reported by third party.
Product: Mortgage

XX/XX/2020. Filed a dispute on donvenmuehle morage there saying I am over 90 days late on all my payments on my house and they know I pay them they known there behide over covid 19 have a recording to prove that one. But the check clear my bank. And you can see when dovenmuehle recover the checks. The recipe date is stamped on the check. Yes the house was in bankruptcy. I was granted a stay because I paid the courts and the mortgage.
Product: Checking or savings account

TO WHOME IT MAY CONCER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2023 I have been driving my semi truck in Texas when I had received a call on my cellular telephone. A man with a heavy XXXX accent have explained to me that he is an employee of the fraud department at Wells Fargo bank. He told me that they see strange transfers from my account to someone in Texas. This have surprised me because I told him that although I am driving a truck in Texas now, I have not done any transfers in several days. He very politely notified me that a suspicious transfers of large sums of money from my account to someone has been done. He even have mentioned unknown to me XXXX first and second name of the receiver of money. At that time I have responded that I have not done or authorized any transfers, never heard names of the receiver, and even do not have this kind of money in my account at this point in time. 
I became very nervous and started to suspect some foul play. I have told him that I do not know who he is and requested some confirmation from the bank. In a minute or two I have received a message into my phone stating from Wells Fargo Fraud Department and soon after email from Wells Fargo bank ( copies are attached ) confirming very strange transactions. All this was happening while I was driving a heavy truck. He suggested that I should close the account right away and that money from my account been transferred to several people, including one person I knew. This person have called me asking why I am sending {$1500.00} by XXXX. I have explained to him why and he immediately sent money back to me by XXXX. Unfortunately, I have not received this money. As to the other two recipients caller told me that he will take care of it. 
Suspecting fraud, I stopped at the nearest truck stop and called the bank. Answering banking manager told me that my mobile account had been locked, gave me a claim number, and asked to come upon my return home. I have visited the bank first thing upon arrival to XXXX XXXX. I have learned that I have lost {$3500.00}. 
It looks that I have become a victim of a common now fraud and I have immediately called our local police department ( report is attached ). All my account data have been stolen from my bank account by criminals who overcame all bank securities. {$6500.00} had been transferred unauthorized from my business account by Wells Fargo Bank in order to provide funds to the fraudsters. 
I feel violated by the fraudsters and my bank both. Letters received from Wells Fargo ( copies are attached ) state that they have " secure online banking '', " transactions were authorized '', and my claim is dosed. 
Again, I have not initiated and/or authorized any above mentioned transactions. I have not initiated neither authorized transfer {$6500.00} from my business account to the account emptied by the fraudsters. 
By this letter I request thorough investigation of this matter and return of {$3500.00} to my account as soon as possible. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

After being recently released from the XXXX XXXX XXXX XXXX, having been held in their custody from XX/XX/XXXX to XX/XX/XXXX, and reviewing copies of my credit reports I noticed an unauthorized inquiry made by this company.
Product: Credit reporting or other personal consumer reports

Someone is wrongfully using my info and i would like this removed from my credit report XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$94.00}
Product: Money transfer, virtual currency, or money service

I wire transferred {$2600.00} ( + {$25.00} banking fee ) on XXXX XXXX at XXXX XXXX PST from Coinbase to XXXX XXXX and it still has not arrived a month later. I have emailed their various customer support emails, called their bank, and called Coinbase. I called Coinbase three different times, I was on extended hold, and then they hung up on me. I reached out to them multiple times through XXXX also. 

Coinbase has failed me as a customer and I 'm seeking Government help to find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.
Product: Student loan

I was forced to pay off some of my student loans while still in school full time, approximately. XXXX. I believe this was an unfair decision made by the federal student department, with no one accepting responsibility and or trying to help me resolve the issue and refund the money back. The servicer of the majority of the student loans was even changed to avoid responsibility, while further pushing the matter " under the rug '' for the sole purpose of avoidance of error. I am a mother of an autistic son and all money that I have is money needed for daily living expenses, and to have a federal agency misuse my funds in this manner is unspeakable. This was an unfair debt collection practice, and " NO XXXX '' has acknowledged this discrepancy to assist.
Product: Credit card or prepaid card

On XX/XX/22 I purchased to seat covers from XXXX in the amount of {$59.00}. 
On XX/XX/22 Citibank closed their investigation and reverse the {$59.00} credit to account ending in XXXX. 
The copy of the merchant 's response does not include shipping XXXX 's name, date of shipping, tracking number, deliver date and or delivery pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX La,XXXX  XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT BELONG TO ME.
Product: Credit card or prepaid card

I opened my account with Care Credit/Synchhrony in XX/XX/XXXX. I used it to cover the cost of XXXX  I had the following month. I was given a brochure at my doctor 's office and applied on-line. It was as easy as could be. I applied for a line of credit totaling $ XXXX and to my surprise, I was notified immediately, after hitting send that I was approved. A credit card was later sent to my home. I was never required to talk to anyone from Care Credit at all. I enrolled in paperless billing and every month I received a notification that my bill was due. I paid the amount requested each and every month on time. I got my balance down to just over $ 10K, but this month, I got a notification, as I always did, but the current balance was back up over $ 12K. I called to inquire. The IVR is terrible and it takes forever to get to a representative. Even when you say representative, the IVR asks to describe why. When I would say something, the IVR would say that it wasn't enough information ... .terrible! I got a representative who advised that the two promotional periods on my account had expired without me paying the full amount owed, so all the deferred interest was added on. I had no idea what she was talking about. She stated that my doctor should've explained it to me. It is completely ABSURD that a healthcare provider would be required to go over any financing conditions with their patients, when the financing is with CareCredit, not the doctor. This is Care Credit 's responsibility, as I am entering into a contract with THEM!! I called the next day and spoke to a supervisor. I offered to pay the balance in full, if they took off the deferred interest, but she said there was nothing she could do. I did end up doing just that - paid $ XXXX last week. I found that XXXX Care Credit was ordered to pay {$34.00} XXXX back to customers for deceptive practices and the terms of that lawsuit back in XXXX. It states that any line of credit more than $ 1K, requires a Care Credit representative to talk to the consumer. A $ XXXX line of credit granted immediately on-line! Too good to be true! I never got any reminders or any notifications that the promotional periods were ending. NOTHING!! Again, I enrolled in paperless billing and listed on the email was current balance, minimum amount due and due date. There should be something in RED on that notice about the promotional period ending. It is deceptive and unfair. I am an accountable person, but this is sneaky business. I am requesting that the deferred interest be removed from my account. 

Thank you!
Product: Checking or savings account

On XX/XX/XXXX I deposited a XXXX XXXX XXXX check XXXX {$4400.00} at a Citibank ATM in XXXX. Citi  incorrectly encoded the deposit for {$4900.00}. They later issued an adjustment debit of {$500.00} on XX/XX/XXXX ( Case # XXXX ). While this seems to be the correct course of action, Citi had already collected {$4900.00} from XXXX XXXX, evidenced by my XXXX XXXX XXXX statement. The {$500.00} was never received by XXXX XXXX despite my numerous attempts at contacting both banks. XXXX XXXX is requesting I contact Citibank, while Citibank is redirecting me back to XXXX 's. To date, I 've provided copies of the deposit along with Citi 's investigation report ( cited above ) to XXXX XXXX  whom attempted to reach Citibank on XX/XX/XXXX while issuing provisional credit- Citi had not  responded and the credit was reversed. This has surpassed 6 months, and neither bank is able to resolve this matter.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting th account listed as XXXX XXXX XXXX/ XXXX  XXXX  # XXXX incorrectly there are several late payments on the account that is incorrect. TransUnion states they verified the information but that is incorrect. They do not have access to my financial records to prove that I was indeed late because this would be a violation of my privacy rights. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card

I placed an order on XX/XX/XXXX using my Chase Sapphire Reserve card ending in XXXX for a " soundbed '' from XXXX XXXX ( XXXX ) through their merchant services company XXXX ( XXXX ) for {$2300.00}. 

The product was supposed to be on backorder. After waiting until XX/XX/XXXX, I contacted XXXX XXXX and received a template email apologizing for the delay with no specific information. 

Online searches reveal there are numerous complaints ( and very few successfully fulfilled orders ) and significant delays and overall weirdness ( refunds by check that never appears? ) with the refund process. I am concerned that XXXXXXXX XXXX cancellation process is not set up to properly and promptly deliver a refund. 

I called Chase to request a chargeback. However, I was informed that this was out of Chase 's chargeback window, and I was provided the information for Chase 's Purchase Protection service. Unfortunately, that service does not apply, since the product has never shipped.

I'm getting the runaround here. Can you please help me? 1 ) I would like Chase to apply a late chargeback. 2 ) I would like ChaseXXXX to consider revoking XXXX 's ability to process payments unless they investigate or remove XXXX from their platform. 3 ) Someone really ought to look into XXXX. 

All that being said, I just want to see some movement on this. 

With gratitude, XXXX
Product: Debt collection

I am writing to you with the utmost urgency and frustration regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite repeated attempts to rectify this egregious error, these fraudulent accounts continue to tarnish my financial reputation. This is unacceptable, and I demand their immediate and aggressive removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Currently, I am saving money in order purchase a home upon my return from XXXX. However, while go through the prequalification with a mortgage broker ; I was informed of a debt from Jefferson Capital System is showing on my credit report. However, this loan was already paid through military allotments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from XXXX XXXX stating they were reducing my credit limit to {$100.00} based on a report from Equifax that my credit score is XXXX. My credit score on Equifax is XXXX. 
I contacted XXXX XXXX credit several times, and they won't fix the error, even though I've offered to give them the credit information. 
This is harmful to my credit and should be actionable. I had a prior investigation with the XXXX Police XXXX department after the credit agencies reported false information on my Credit Score for multiple defaulted and late payments that were NOT mine, and that were summed up as " mixed identity '' for another person with my name in an entirely different state. 
I have also contacted Equifax. Equifax is claiming they have no knowledge of a report with a score of XXXX. I have names and times of all parties spoken to. They are asking for the letter from XXXX XXXX which I have faxed to them.
Product: Credit card

I submitted a claim to Barclays Bank about an unauthorized charge of {$600.00}. On XX/XX/ XXXX I received a letter stating that the matter was with a dispute specialist, and it could take up to 45 days to resolve. 
On XX/XX/XXXX I called to check on the progress of my claim and learned they closed the case citing that I did not answer a phone call from them. I was told to resubmit a letter requesting that the claim be reopened. 
On XXXX XXXX I mailed a letter requesting they reopen my claim. 
On XX/XX/XXXX I spoke to the dispute department, who transferred me to the fraud department who then transferred me back to the dispute department where XXXX assured me that a manager would call me within 48 as they do not have managers on site. I never received a call. 
On XX/XX/XXXX I spoke to XXXX in the fraud department who sent my call to XXXX in disputes. XXXX said the manager would call me within 24 hours. Again, I did not receive a call. 
On XX/XX/XXXX I spoke to XXXX who said a manager would call me within 48 hours. 
As of today XX/XX/, I have still not received a phone call from a manager at Barclays Bank nor has the charge been removed from my account. 
I find their handling of my claim unprofessional and dishonest ; I would like this charge removed and reimbursement for the interest that I have been charged.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute.

Your personnel 's inability to communicate effectively in cl

ear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal
action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
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 ( CFPD ). 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, this 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: Debt collection

I sent a letter to Experian on XX/XX/22 regarding a formal request for Verification Procedures. They failed to send out this verification but instead they sent me an email stating that the company reported the information as accurate. This was my second attempt requesting that Experian provide proof of the verification procedures.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went into 1st Horizon branch and made a payment for XXXX to cover XXXXXXXX XXXX  payment and XXXX payment which was clearly before the 30days mark hit. Then 1st Horizon bank posted the payment 3 days after the actual walk in payment and it did give me a 30day late on all 3 credit reporting agency!! 
I disputed it with the credit reporting agencies and first horizon bank keeps providing them with inaccurate payment dates and also reporting XXXX wasn't paid when 1st horizon bank clearing see the error they made and hasn't fixed it and reporting inaccurate information nor removed this error off my credit report.