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

After submitting my tax form and my refund was calculated. I selected to have it sent to my Credit Karma save account as XXXX XXXX  stated I would receive faster that way. I did receive it fast but Credit Karma is holding the money hostage. I can't withdraw it to send my regular bank and when i did click withdraw and it said " expect to see your funds within 1-3 business days '' instead of depositing money it withdrew it THREE separate times FROM my account and left me with XXXX in my account and then the money was no longer in my account at credit karma. So not only did they not deposit my money, they stole it from me. I received a couple, " we can't do anything about it '' and now I have another XXXX on the ay that I can't cancel being sent there so it now appears credit karma will be stealing XXXX from me. This is money I worked hard for and need. If I had the money to spare I wouldn't be calling and complaining. Moreover, I receive a refund that shows that I do not make enough money to have to owe. This is outrageous, criminal, and immoral. I would like to have all of the money that is my earned money rather than a bank that does not need it stealing it from me. As you can see in the documents I'm attaching there is now no money in my CK savings despite them having withdrawn money and it stands to reason that if they withdrew money it should now be XXXX in my credit karma account because they withdrew money so it should be sent to my account and added to the XXXX. Obviously, i had no money to withdraw. Now I am also being charged overdraft fees. Upon looking into this, I see they have been doing this enough to the point where there was an article in XXXX about it.
Product: Checking or savings account

SoFi is refusing to release money I received from my insurance company for damages caused by XXXX XXXX. I need this money to replace my roof. My home and my family are now at risk of sustaining even more damage as hurricanes continue to ravage my area. On XX/XX/year> I deposited a check from my insurance company for {$4700.00} into my SoFi checking account to replace my roof after XXXX XXXX. My insurance company confirmed that the check was cleared by SoFi on XX/XX/year> and the amount is visibly shown in the app but the funds were never deposited into my account. I called to request an update and was told that a security representative investigated my deposit, claimed that my check was bad, accused me of violating their terms of service and said that they are restricting and closing my accounts. I provided SoFi my insurance claim documents, emails from my insurance company confirming that SoFi cleared the check, informed them that I still have the original check and offered to provide several additional documents verifying the authenticity of the transaction. They are still refusing to explain anything, reinstate my account, allow me access to my funds or return the money to my insurance company so that they can issue me a new check to replace my roof. SoFi 's refusal to resolve this is a serious problem and puts my home and family at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.
Product: Credit reporting

I have worked with Equifax for over a year to try and get my credit score from them. I signed up for the {$29.00} a month service to pull my credit and every time I have tried since XXXX XXXX of 2015 it fails. They have also not supplied my credit files companies and cost me buying a boat this XXXX. I have called, faxed, email literately over 100 times. I always get the standard answer " we have to escalate your problem and it will take 7-10 days '' no one ever contacts me and it never fixes anything. They are saying my credit file is too big but I have never had a problem with the other XXXX bureaus. I am hiring a lawyer next being I am being held hostage from seeing my credit and I paying a monthly fee not to see which really sucks! I am attaching a few of the XXXX emails I have to and from them in the last year for proof. Remember this is less then 5 % of the failed emails and case numbers. I have outstanding credit and I being punished for some reason unknown to me by Equifax!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section ( 2 ) also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 s-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.
Product: Credit reporting or other personal consumer reports

I have been sending information about some accounts that appear on my credit report to the bureaus for months, and they didn't answer about my requests, not even by email. By law they have to report about my requests. It is unfair I have to come to this to be took into account by these companies.
Product: Checking or savings account

I was buying tickets for XXXX on XXXX XXXX.. but because of where the seller was located, I needed 2 day shipping which XXXX does not support ... ..so the seller asked me if using XXXX  would be okay ... .I said absolutely and he was very communictive all daywith me... we decided to use XXXX as I bank with Chase ... .at the same time that we were texting, I called my bank and asked themabout the person that I was sending the money to... they specifi cally told me that as long as they are " registered & verifi ed '' with XXXXthat it should be okay, I asked if I would be covered in case something happened, they responded yes s long as the recipient was, again " registered & verifi ed '' ... so I purchased the tickets and asked for the XXXX  tracking number once he told me that my ticketshad been shipped... .then nothing ... .I tried to use the XXXX  tracking number but it was not in the system... .I went to my local XXXXoffi ce and they told me that I had to call XXXX  Customer Service... .I had been for two ( 2 ) hrs previous to going to XXXX inperson ... .anyway the registered person on XXXX was XXXX XXXX ( XXXX ) the amount of the transaction was {$430.00} on XX/XX/XXXX ... .I was supposed to receive the tickets today... .I did text the seller several times with no luck ... then heresponded that his daughter had been bitten by a dog & even went so far as to send me pics ( they were pretty bad ) ... .I told him thatthe tracking number wasn't working & could he please send me a copy of the XXXX  receipt ... .I heard nothing until the next morning & he apologized & told me that he would be sending it to me shortly ... .I knew he already had the money, why would he stsill becommunicating? Since yesterday, no communication & his telephone mailbox can not be reached ... .I do not know what I have to do tofi le a claim and stop this person ... since this all took place he has since been blocked by XXXX XXXX... he stated that he was in XXXX, Txbut the telephone number if for XXXX ( XXXXXXXX XXXX ) the telephone number is : XXXX ... it was perfectly legitimate to think thenhe may have bought the tickets to go to XXXX living in XXXX  it's close, and at some point moved to TX & could no longer use thetickets ... ..what can I do? The Sellers Name was : XXXX XXXX, XXXX ( or XXXX  ), TX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Product: Vehicle loan or lease

On XXXX XXXX XXXX I paid the current month and the upcoming month in XXXX payment. I called and spoke to a representative at First help financial and was told it was find. The following month the company attempted to draw funds again for the month that was already paid resulting in NSF fee and a mark against my credit for non-payment. 
I called the company again on XXXX XXXX XXXX  to ask about the additional fee and the NSF in the system on my account. 
I requested that the fee be removed and was told that there was a NSF fee and it can not be removed. 
Company refused to reverse the NSF fee. 
This company is not fair to customers and has no representation here in the US that understand financial law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.
Product: Debt collection

This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Credit reporting or other personal consumer reports

I am writing about the dispute of the charge off of my account which I requested verification of the debt pursuant to 15 US Code 1601. I believe the charge-off was inaccurate and violates the Truth in Lending Act. 

I disputed the following : * The total amount of the debt ( {$4000.00}. ) * The interest rate * The repayment Terms I also requested a copy of the following information A copy of the original credit agreement A breakdown of the total amount of the debt A statement indicating whether the debt has been sold or transferred to another party.
Product: Credit card

Formal Complaint : Unresolved Credit Card Dispute - Case XXXX - Barclays XXXX XXXX Aviator Advantage Card I am writing to file a formal complaint regarding an unresolved credit card dispute with Barclays Bank, specifically concerning my XXXX XXXX Aviator Advantage card, case number XXXX. 

On XXXX the XXXXXXXX XXXX, I made a purchase from merchant XXXX XXXX in the amount of {$240.00}. I subsequently returned the merchandise on XXXX the XXXX. I have the XXXX XXXX of XXXX to the merchant. 

Despite returning the merchandise, I have not received a credit to my credit card account. Therefore, I filed a dispute with the credit card issuer Barclays in early XXXX. 

Since then, Barclays has repeatedly requested the same information, specifically proof of delivery and the dates of the order and return. I have provided this information to them on XXXX separate occasions! Barclays has acknowledged receipt of this information. 

In a letter dated XXXX the XXXX, Barclays stated that providing proof of delivery and the dates of the order and return would result in a ruling in my favor. I promptly resubmitted the requested information, and Barclays acknowledged receipt. However, they continue to deny my dispute without providing a valid reason. 

I am happy to provide any additional information you may require. 

I believe Barclays is acting in bad faith by repeatedly requesting information already provided and then failing to honor their stated criteria for resolving the dispute. I am seeking your assistance in compelling Barclays to properly resolve this matter by issuing a full credit to my account. 

Thank you for your time and attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in   XXXX   XXXX   XXXX   even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit card or prepaid card

-I had XXXX reward points with American express XXXX Points were obtained through credit cardrewards with many credit cards, then combined together. 
-I closed most credit cards, except for XXXX that didn't charge a yearly fee. 
XXXX XXXX my remaining credit card due to inactivity in XX/XX/XXXX, however I did not receive notification. I also did not agree to close the account.I found out the card was closed on XX/XX/XXXX. 
-Amex then took away all reward points I had in my account. Again I did not receive notification, and I did not agree with them taking away my reward points. 
-I tried to contact Amex on XX/XX/XXXX, but they claim they have not done anything wrong, and are not able to reinstate my reward points. 
-I disagree with their decision. Those XXXX points are worth about {$1500.00} cash back. I did not agree to for them to be forfeited, and I did not agree to close the credit card account.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Transunion located in XXXX XXXX XXXX. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Bank account or service

My account was charged for XXXX insufficient funds fees charges this morning. Over the weekend, my XXXX fee was withdrawn and left me {$98.00} overdrawn. ( I did not know banking happened over the weekend ) On Tuesday morning chase bank chose to charge me for the overdraw of XXXX smaller charges, XXXX of them {$22.00}, which is less than the overdraw fee itself, XXXX for less than {$35.00}, which is less than a dollar over the overdraw fee itself, and XXXX for {$55.00}. The reasoning they gave me is that they handle the largest charges first and something about pending charges versus cleared charges. None of the charges are pending to me since they remove the money from my account the second the charge comes in. The money for all of these charges was deposited on the first banking day as it is always deposited in the many years I have banked with Chase. In addition, the smaller fees would have been covered until the XXXX fee - so the insufficient funds fee was valid for XXXX but not for the smaller fees. The XXXX fee happened over a weekend when there should be no banking anyway. I have called Chase to have the fees reversed and they refused. I spoke to XXXX different people, the last being supervisor XXXX who 1 ) said she tried to reverse but the system wo n't let her because I 've gone past my courtesy limit this year 2 ) I asked her which regulatory agency I could complain to because this is corporate theft, and she told me she is the XXXX I would complain to. I asked her again to tell me who regulates banks and she said she understood and was very sorry but did not recommend a regulatory agency.
Product: Credit reporting or other personal consumer reports

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. 

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX Opened XXXX. XXXX XXXX Balance {$240.00} XXXX. XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX. XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX.