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

Approximately eight months prior to my intended cruise trip, I discovered on the XXXX website that I could utilize Uplift for payment options. I submitted an application and received approval from Uplift on XX/XX/year>. According to the payment schedule, I was required to make monthly payments on the XXXX of each month, totaling XXXX payments. The first payment was scheduled for XX/XX/year>. However, by XX/XX/year>, I attempted to contact XXXX customer service multiple times without success. Consequently, I submitted a message through their website to request the cancellation of my trip due to unforeseen circumstances. On XX/XX/XXXX, I made another attempt to reach customer service, as I had not yet received a response. I located an email address from my booking confirmation and sent an email reiterating my cancellation request. A few hours later, I received a response instructing me to call customer service. After finally speaking with a representative, I communicated my need to cancel the trip. The cancellation was processed, and I was informed that a confirmation email would be sent within 24 hours. On XX/XX/year>, I received the confirmation email from XXXX. I promptly contacted Uplifts customer service to inform them of the cancellation and provided the confirmation details. The agent noted my account but mentioned that they had not yet received confirmation of the cancellation. After a few days, on XX/XX/year>, I called Uplift again, as my second payment was due that day. The agent confirmed that my cancellation had been received and that processing would take a few days. Subsequently, on XX/XX/year>, I received an email from Uplift. 

I would like to provide some context regarding the circumstances that led to my complaint with the Consumer Financial Protection Bureau ( CFPB ). On XX/XX/year>, I received an alert concerning my credit score from all three major credit bureaus, indicating a significant change. Upon reviewing the alert, I was dismayed to discover that my credit score had plummeted by XXXX to XXXX points across the bureaus. This decline was attributed to a report indicating that my Celtic ( Uplift ) account balance had decreased, the account had been closed, and it was marked as 30 days late. This situation has severely impacted my credit score, especially since I had followed the appropriate procedures to cancel my trip prior to the first scheduled payment becoming overdue. I promptly filed disputes with all three credit bureaus, and this morning, I received an email from XXXX confirming the completion of my dispute. The response indicated that Uplift maintained that the reported information, including the late payment, was accurate. I contest the accuracy of the late payment remark, as I was not informed that the cancellation, I initiated with XXXX would take five days for Uplift to process. Consequently, this delay adversely affected my credit score, despite my cancellation occurring before the payment due date of XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) Due to inadequate customer service and unfair practices, which violate the Customer 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 electric fund transfer act. ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek proper redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit oddities showed up with SSA for my XXXX year old mother. I contacted all 3 credit reporting companies in order to freeze credit and request a report for both parents. I had to provide my proof of identify, POA, parents proof of identify, SSA info etc to them. I sent all via certified letters and can not make any progress with Equifax after lengthy calls, them cutting me off, etc. I sent information they required to the address they specified by certified mail with a receipt. The post office provided a receipt that the sensitive information was received by Equifax on XX/XX/20 and signed by XXXX XXXX. I called and was asked to wait 30 days. I spent an entire morning on the phone trying to get the information but all they could tell me was that the info wasn't in their que. I sent another letter with a copy of the receipt and requesting that they located this very sensitive information that I sent on behalf of my parents. Certified mail receipt for XX/XX/20 again signed by XXXX XXXX. NOTHING. They still have nothing. They not only have on data breach but I now have concerns about inside their company. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX XXXX XXXX   SYNCB XXXXXXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Closed Business Account from Consumer Report Dear Sir/Madam, I am writing to formally request the removal of a closed business account from my consumer report ( XXXX ), as permitted by the regulations outlined in the Fair Credit Reporting Act, specifically 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, and 15 U.S.C. 6805. 

The XXXX closed account in question does not pertain to my personal credit history but rather belongs to a business entity. As such, its inclusion in my consumer report is inaccurate and misleading. Per the aforementioned statutes, it is imperative that consumer reports accurately reflect an individual 's credit history, and the inclusion of irrelevant business accounts violates this principle. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove the aforementioned closed business account from my consumer report. Please provide confirmation of this action once it has been completed. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2020 XXXX XXXX XXXX made his final payment of {$8300.00} to XXXX XXXX DBA XXXX  XXXX. XXXX XXXX did not receive a satisfaction of mortgage at this time. ON XX/XX/2020 XXXX XXXX received notice that his mortgage has been transferred to Fay servicing. There in after XXXX XXXX received monthly mortgage statements showing payments owed for Escrow ( taxes and insurance ). This is incorrect because XXXX XXXX has paid the taxes and insurance himself since the inception of the mortgage. XXXX XXXX has made several attempts to rectify this issue with Fay servicing to no avail. We do not agree that Fay servicing is owed any money at this time and are asking to help rectify this situation and help the Arcess obtain the Satisfaction of Mortgage that is owed to them. Attached is the loan history detail received from XXXX dated XXXX XXXX which you will see shows that the loan has a principal balance owed of {$0.00} as of XX/XX/2020.
Product: Checking or savings account

On XX/XX/2022 at XXXX pm, a thief drained my checking account I have through XXXX XXXX XXXX Bank XXXX XXXX XXXX {$300.00} withdrawals from the atm. Let me mention I did not give my card numbers or PIN number to anyone. I did NOT authorize these withdrawals either. The debit card was in my purse in my wallet when this happened. The withdrawals took place nearly XXXX miles away from me in XXXX, Texas at a XXXX ATM. Someone replicated my card according to the police. I called chime immediately and told them I did not authorize the withdrawals as this situation was theft/fraud. I also filed a police report in the jurisdiction where the theft took place XXXX XXXX Police XXXX ) Chime refuses to give me my money ack despite me taking all the necessary steps to prove this was theft. They would not even give me a provisional credit and now XXXX out {$600.00} over something I didnt do or consent to. I need help getting my money back as this is a large amount of money please. Their customer service is joke, basically told me I was XXXX, and their suspervisor, XXXX, was rude, condescending, and even mocked me. He thought my situation was hilarious. This is incredibly unfair and unacceptable! They denied my dispute and said they found no error despite what I supplied them with. I NEED my money back please. I feel absolutely violated and terrified this will happen again.
Product: Money transfer, virtual currency, or money service

due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian several letters asking them to please REMOVE all old addresses, phone numbers, name variations, social security number and last 4 digits, from my report, per I am afraid of being a victim of identity theft, and fraudulent activity, yet Experian will not remove the items from my report, Experian is merely ELECTRONICALLY matching my info with XXXX and Not PHSICALLY investigating. I have tried to resolve this matter with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX  Balance : {$2400.00}.
Product: Debt collection

Remex , Inc. Reference : Account Number # XXXX Dear Sir/Madam, I am writing to dispute the alleged debt referenced above, which your company claims to have acquired from XXXX XXXX XXXX . I am aware that as the successor in interest to XXXX XXXX XXXX, you are now bound by the arbitration agreement stipulated in XXXX XXXX XXXXXXXX XXXX arbitration agreement. As per the arbitration agreement, I am formally invoking my right to arbitration to resolve this dispute. It is important to note that the initiation of arbitration entails significant costs for your company, far exceeding the nominal value of the debt you acquired from XXXX XXXX XXXX. Before proceeding with arbitration, I am extending an opportunity for an amicable resolution. I am willing to settle this matter for {$1000.00}, which accounts for the emotional distress, anxiety, and financial hardship caused by this dispute. Additionally, it is imperative that you delete this tradeline from any credit reporting agencies to which it has been reported. I believe this offer is fair and reasonable given the circumstances. Failure to respond or engage in good faith negotiations may result in the escalation of this matter to arbitration, incurring substantial costs for your company. Please contact me at your earliest convenience to discuss this matter further and reach a mutually beneficial resolution. You can reach me at via email at XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

It's not letting submit the FTC report to XXXX, transunion or XXXX
Product: Vehicle loan or lease

NMAC agreed in good faith to waive fees did not ever send lease statement recycled debt on credit report to influence my buying decision
Product: Credit card or prepaid card

On Tuesday I closed my card due to fraud. The told me I would have a new card expedited since I was leaving town. And it would be there by Thursday. Gave the address to ship to they did n't change it. Called XXXX to confirm everything was done and it was n't. They changed it said I would get it Thurs and nothing. Calles Thursday said it would be there Friday. Friday morning they say nothing had been shipped and then a different person said it had. Now it 's XXXX on Friday nigjt and nothing. No tracking number no nothing. Cadence bank fraud department is a fraud themselves. Never use them And someone needs to do something about their communication issues and the liea they tell their customers. They claim they will do whatever for the customer but they are all full of shit. This was the entire week of XXXX XXXX.
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They claim now they will ship one to the beach and a new card has to be made ans I wo n't get it until weds. So now this issue will be going on a week.
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I will be canceling my card and tell the whole world including all the senators and politicians I have done business with never to use the services.
Product: Credit reporting or other personal consumer reports

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items : XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding incorrect information on my credit report. Specifically, my name is misspelled, which is a significant error that could negatively impact my credit history and score. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and complete information on my credit report. This law protects consumers and requires credit reporting agencies to correct any inaccurate or incomplete data in a timely manner. 

I have already attempted to resolve this issue by contacting the responsible credit bureau, but I have not received a satisfactory resolution. Therefore, I am requesting your assistance to ensure that my name is corrected immediately on my credit report and that I receive written confirmation of the correction. 

Thank you for your attention to this matter. I am available to provide any additional documentation necessary to resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I woke up early on the XXXX of XXXX trying to use my unemployment funds to pay bills and my card declined! Everytime I call the number on the back of the card Im sitting on the phone for hours without talking to customer service!
Product: Credit reporting

old account / over XXXX years oldwas previous deleted now Reinserted
Product: Credit card or prepaid card

XX/XX/2022 I spoke to XXXX. I had a deposit post to my account for {$80.00} after covering an overdraft for fraudulent charges in the amounts of {$15.00} twice to the same company. I had {$37.00} available and went into the XXXX XXXX XXXX to pay {$37.00} for gas. I was charged an overdraft fee of {$20.00} when I clearly had sufficient funds in this account. 
I requested they fix the issue and XXXX tries to yank me around like this was my fault. As I stated {$37.00} is less than {$37.00} therefore I should not have been hit an overdraft fee. 
He thanked me for telling him I was filling a complaint against Netspend. Who thanks someone for filing a complaint? 
I would like a refund of overdraft fees relating to the charges the past few days ad I was not responsible for them and can clearly show I had enough funds in the account to cover the charges. 
XXXX said I was being sent to supervisor when indeed I was hung up on.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 Wells Fargo Bank issued two wire transfers from our checking account at XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} per transaction, for a total of {$1000.00} without our permission. We do not bank with Wells Fargo and have not had any type of active account with Wells Fargo for approximately two or more years. 

We discovered the illegal withdrawal of funds from our account on Sunday, XX/XX/2019 and contacted a local branch of Wells Fargo by phone on Monday. Wells Fargo Banking personnel had two responses to our claim : 1 ) How did they ( Wells Fargo Bank ) take money out of our account when we don't bank with them or have and type of account with them? 2 ) There was nothing they can do about the illegal transfer, and we had to contact our bank, XXXX XXXX XXXX XXXX XXXX, and make them find a solution to the problem. 

Both responses by Wells Fargo personnel were reprehensible! First Wells Fargo Bank steals XXXX from us and then tell us there was nothing they could do about it, and we should go find someone else to deal with it. 

Fortunately for us we found out about the stolen funds in time for our bank, XXXX   XXXX XXXX XXXX XXXX, to rectify the problem before any checks we wrote bounced due to insufficient funds. Due to the efforts of our wonderful personnel at the credit union, they were able to retrieve the {$1000.00} from Wells Fargo before we were hit with penalties for insufficient funds. 

I am upset that Wells Fargo Bank did absolutely nothing to rectify the problem. Was this truly a mistake by Wells Fargo our did they purposely try to steal our money for whatever reason? How many other people have experienced similar thefts by Wells Fargo Bank. I hope a government agency fines Wells Fargo for their illegal act or at the very least penalizes them for their incompetent act of taking money out of our personal account without proper cause or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and fair practices, 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 the 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 card or prepaid card

I purchased my flight with Chase through Chase Rewards. Directly after paying for the flight, I received a message that my flight schedule changed. When I had originally bought the ticket, it showed a later departure time, but directly after purchase the departure time was earlier. I know that a different time was shown pre-purchase because I am traveling from XXXX, XXXX to XXXX, XXXX. Due to XXXX 's active full-scale invasion of XXXX and XXXX of critical infrastructure, XXXX now has no functioning airports. Therefore, it takes me over 16 hours to reach XXXX. I would have never bought an earlier flight, XXXX XXXX was the new shown departure time, because I know the schedule of the limited trains that leave XXXX for XXXX. I would never be able to make a XXXX flight so I would have never purchased it. Additionally, I have proof that Chase informed me of a flight schedule changed which remained on my Chase rewards dashboard for weeks after the purchase. When I contacted Chase, they said they called the airline and there was no itinerary change. This is probably true ; however, the issue was not with the airline, rather with the Chase rewards system/dashboard. Chase refuses to reimburse me and when I tried to change the flight, they only offered prices that were significantly higher than on the airline 's website. Additionally, when I called Chase rewards customer service, following a heated conversation of frustration, the customer service representative sent me more than approximately 30 emails with my trip overview in direct retaliation for our discussion. Of this, I also have proof. I have lost XXXX USD, received horrendous customer service who spammed my inbox in response to the phone call, and I believe Chase proposed inflated prices for a flight change. A flight that costed XXXX USD they proposed to me for {$1200.00}. I kindly request this issue be reviewed, I would like Chase to reimburse me, and I am happy to provide proof. To this day, the only recognition of guilt reimbursement they provided was XXXX credit points which are XXXX USD, when I lost XXXX USD worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

unrecognized inquiries on 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 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: Bank account or service

Bank of America drew on personal credit line and even exceeded credit limit to satisfy judgment against a company that I was an employee of.