23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had fraud by a site called XXXX XXXX on my Netspend card in XXXX and XXXX of 2021. I tried to file a dispute but the dispute filing software was down on my Netspend bank account. They told me wait a few days and try again. I waited a week the software was still down. I kept calling and they kept telling me to wait. Finally after no results in XXXX I emailed and they told me to send email documents so I did. Well its been 4 months and they still are investigating. 6 months if you cant when I had to wait because of the software being down! This is ridiculous. They emailed me in XXXX and said I had to wait until XX/XX/XXXX for a resolution. Now on XX/XX/XXXX they tell me there is no resolution yet and I have to wait until further notice. This company is scamming me and holding my {$2700.00} for half. A year now this is ridiculous! I want my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, in 2021, I contacted KiK off lending to close my KIK OFF credit account which has a {$500.00} limit. I received confirmation from KIK OFF that my KIK OFF account was closed. However, the account is still showing open on my XXXX report. I filed a dispute with XXXX to let them know that my account was closed. However, my account is still showing opening.
Product: Prepaid card

I received an Amex eGift Card for {$100.00}. This was received an email from XXXX. On this email, I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX  and shows a balance of {$100.00}. I attempt to use this on various sites ( using less than the face value of the card ), and the transaction is repeatedly declined for no reason. I am appropriately typing in the card number, date and CVV, yet they continue to be declined. The expiration date is XX/XX/year>. Upon doing research, many people have reported a problem with Amex gift cards.
Product: Debt collection

I asked them nicely to not call me anymore and they are still calling
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 violates the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution require requirements under the Electronic Fund Tansfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

They took my income. They asked me how much credit I want it and I only want it {$450.00} for store credit card and it was due to pre-qualifying and my credit actually is finally over the fair mark now after all the identity theft that I had so I dont understand why they didnt approve me for {$450.00} or even lower.
Product: Mortgage

Community Loans i want to know who instructed you to forward my mail as follows? 
XXXX XXXX XXXX C/O : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX, FL XXXX
Product: Credit card or prepaid card

I put in a dispute with Capital One on XX/XX/XXXX for {$1600.00} for a charge with XXXX for a trip from XX/XX/XXXX - XX/XX/XXXX. In the attached letter and statement you will see they said and posted the credit supplely for that amount. If you look at the top of my attached statement, you will see an overage of {$910.00} which means I don't owe them, they owe me. My credit limit is {$4100.00}, but my available credit is only {$2400.00}. That is a difference of {$1600.00}. If they had given me the {$1600.00} where is the difference. Since my credit limit is {$4100.00} then my available credit should also be {$4100.00}. They are saying one thing, but actually doing something else, which is giving false information.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I have inquiries that I do not recognize and even one of them was closed by the bank itself but the inquiries are still there affecting my credit report : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX - Experian XXXX. XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  was notified by phone and the account was closed. 
XXXX was also closed and XXXX XXXX was notified that the credit card issued in XXXX is not with me.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX  Date of inquiry : XX/XX/year>
Product: Checking or savings account

They keep closing ym account. In 2020 they closed my account for no reason at all! I did absolutely nothing wrong but because im a young XXXX man they assume im trying to do something wrong with my account if I try to send money with XXXX to another bank account because chase is walking distance to my home vs the other bank I use. It makes no sense these people are XXXX!!! 

I got a auto loan with chase a month ago and i had my online account setup so I can view my account details and pay my bills. Today I added a checking account planning to direct deposit my salary into chase and use chase instead as my bank because I prefer the app and online website. Hours later when im trying to sign in they locked my online account and I called and they won't provide any info as to why I can't have a checking account. if there's no reason its obviously racism. 

Not only did they lock my checking account I can't login to my online account to view my auto loan and pay my bill. They want me to miss out on paying my bills so they can now destroy my credit!!!
Product: Checking or savings account

Chime had closed my account days ago which I I didnt care about because they got upset I contacted the FDIC and as well corrected them to not call me by my first name. Its either XXXX XXXX or XXXX XXXX since I am a XXXX XXXX XXXX. And as well XXXX XXXX is respectful Im not their friend so anyways I didnt care and as well they are the worst bank. 

But anywho. I got a notification email saying they solved my disputes. One for {$130.00} the other for {$83.00} and {$100.00} my account was in a {$49.00} close to {$50.00} negative balance so I should get a check in the amount of XXXX  or so. 

I emailed them since they dont let you talk to anyone on the Phone as well why I say the worst bank. So I contacted through email and they failed to respond to let me know so I told them its fine I will contact who I need. 

Also I had a dispute for XXXX which I submitted them the evidence Claim ID : XXXX. Now with that they send me an email saying We reopened your claim based on the additional information you provided. We have completed our investigation and determined that an error did occur. 

As a result, credit in the amount of {$75.00} was posted to your account on XX/XX/2021 and in the amount of {$8.00} was posted to your account on XX/XX/2021 and any applicable fee ( s ) have been reversed. The credit is considered permanent and we have closed this dispute case. 

Now that was false because before my account was closed I looked at my transaction history and {$75.00} was never posted on XX/XX/XXXX so they only gave me {$8.00} back which when I say they I mean chime. So chime need to refund the rest of that money because again I know what I seen I followed by the date they said it posted to my account as a refund and it was not there this order was placed XX/XX/XXXX and refunded it same day. A refund takes 3-5 days with so refunded could have posted any where from the 13 to the 15. 16 the latest and again I sent chime my transaction from The XXXX to show there was no credit posted that day for the full XXXX or the XXXX they were claiming and they have the nerve to give me {$8.00} back. So they need to go and fix that and give me my rest of my back then not only will it be the XXXX already on my account but the additional check for XXXX and whatever other dispute they have open to solve then that should conclude or business but other that that they need to find my XXXX check to me and they need to finish that dispute and any other properly.
Product: Credit card

I've consistently ensured that payments on this account are made on time, avoiding any overdue status. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Payday loan, title loan, or personal loan

I am requesting your help in this matter, due to COVID and losing hours and no stimulus and not qualifying for unemployment we were desperate and sought financial line of credit through money key however we now have realized there is no way we can afford to continue this payment at {$180.00} dollars every two weeks and this not getting paid off for years and the loan bal starting at XXXX and will end up paying three times that, in recent news we have become aware of President XXXX overturning the rent a bank true lender rule and the bank connected with this company was also mentioned in the Congress letter as one of the rent a banks that has went around states laws and using outrageous fee and taking advantage of people during this financial and health crisis, we live in the state of Arkansas which is cap at 17 percent, I am asking for your help in this matter and to have resolutions of voiding their contract and Harassing phone calls due to signed law by XXXX to protect Americans from such illegal money scams
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX at XXXXXXXX i received a phone call from XXXX XXXX from XXXX XXXX XXXX saying they are calling to collect a debt of $ XXXX from a pay day loan i got back in XXXX. I asked them to send me paperwork something in writing and she replied that my opportunity for " discovery '' was over and she would send the police to my job and they were going to garnish my wages. I tried to explain that the debt was paid and i could prove it and again was threaten with send cops to my job. She also said she would be contacting my boss at that point I asked to speak with a supervisor and was told that i was speaking to the supervisor and she hang up. Same day at XXXXXXXX   she called my job and told her there was no need to call my job she had already spoke with me and she yelled " ill just call corporate '' and hang up. I checked my past emails and the debt was completly paid besides {$15.00}. How does {$15.00} turn into {$4000.00}. When i called back to try to inform them of this i was immediately placed on hold for 30 minutes. Around XXXXXXXX same day my brother calls me informs me XXXX XXXX XXXX had just called him. Why would they call my brother when they had already spoke with me? I have tried to call this company and they must have caller ID because i call the phone picks up no one says everything and im placed on hold. Cant believe companies are allowed to behave like this.
Product: Credit reporting or other personal consumer reports

Hello, I am currently in a process of closing on a house in XX/XX/XXXX, and the loan process officer sent a credit report regarding a credit inquiries that i didn't give permission to pull my credit report. And now it's having an effect on the process of closing on the house. I would like to get all of the 7 inquiries removed out of my credit. Thank you XX/XX/year> Advantage Credit Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of this year, I received a letter in the mail from Citi XXXX XXXX stating they have completed their investigation regarding my Office Depot account. In the letter, it states if I have other evidence that I would like them to consider in regards to my dispute please mail the supporting documentation. On XX/XX/2020 I mailed off further documentation providing more evidence that the item they're claiming I have has been picked up. I have not heard anything else from them since I mailed the letter off, yet I am still being charged on my credit card for an item I do not have. Earlier this year in XXXX I received a credit card from office depot with a {$1000.00} credit limit. When I received the card I went online and tried to place an order and it got declined. I'm thinking well maybe I entered some information in wrong so I went back and tried to complete a second-order that also got declined. After that, I gave customer service a call, which is awful by the way, and they had put a stop on my new card that I had never used before. Stating they thought it could be possible fraud due to the large amounts. The two orders only added up to about {$200.00} or {$300.00} dollars so I was confused about why they put a stop on my card. The customer service agent removed the stop and stated over the phone it was okay for me to start placing orders. What was NOT stated on the phone was the two previous orders I originally placed would go through. So now I've been charged for 3 desks and chairs. All items that I have been wrongfully charged for have been returned. I have no desk and only have 1 chair. All other items are returned. The chair amount is {$140.00}
Product: Checking or savings account

On XX/XX/year>, at XXXX XXXX, I paid for a prescription at XXXX ( store # XXXX ) for {$11.00}. This was paid via XXXX XXXX which is tied to my Citibank checking account/debit card. At the time of checkout, I noticed another transaction come through from XXXX for {$820.00}. I immediately questioned the cashier ( XXXX ), who said there wasn't a record or log of that transaction on her register. I asked to speak with the manager, XXXX XXXX, who searched the register log and was unable to find a record of the transaction. I immediately contacted Citibank via phone to dispute the charge. This was at approximately XXXX XXXX  on XX/XX/XXXX. Citibank opened a claim case, XXXX. I explained to Citibank that I had not made this transaction. I received a letter from Citibank dated XX/XX/year> that my claim was under review. I later received a letter from Citibank dated XX/XX/year> declining my claim. I then called Citibank to dispute and they said they would review again. On XX/XX/year> I received another letter from Citibank again declining my claim. Since then I have called XXXX and they said they are not responsible. I also called XXXX on XX/XX/year> and was given case number XXXX. I was told they would review it, and to this day, there is no resolution. On XX/XX/year> I received another letter from Citibank declining the claim. I am attaching as a backup a screenshot of my checking account 's XXXX statement highlighting the {$11.00} transaction and the erroneous transaction for {$820.00}. I am also including copies of all the correspondence with Citibank. I did not make this charge/transaction with XXXX on XX/XX/year> for {$820.00}. I am at a loss on how this happened and why neither Citibank nor XXXX can resolve this. I have been an account holder with Citibank for over 18 years and have never disputed any charges. I hope you can help.
Product: Credit reporting

Requested validation and verification. These bankruptcy accounts being reported do not belong to me. I contacted Bankruptcy Court and respond was they did not report.
Product: Credit card or prepaid card

This is my third complaint and the most serious. 

Wells Fargo is attempting to commit Fraud and lie about what has transpired here. I have fully documented court admissible evidence of all of my correspondence with Wells Fargo. 

I have had NO LESS than 20 calls with them or have returned their call. Dozens of emails as well. 

They are now personally sullying my professional reputation. I will be serving a Writ of Summons next week to demand the court order them to stop.
Product: Debt collection

I disputed this collection with XXXX after not agreeing to information on credit report. Now I have a missed payment on my credit report reporting from closed collection that has been charged off. This is not right and should be removed from my credit report
Product: Mortgage

On XX/XX/2022 I called the customer service number for my loan servicer : XXXX. The loan is held by Ameris Bank. I informed them that there should only be one property attached to my escrow account, not two. I looked up the second property on the XXXX XXXX website and discovered it is owned by the state of Alabama. The parcel # is XXXX. I was told by the customer service representative that the issue would be resolved in 10 business days but I could call back sooner to check on the progress. I called back on or around XX/XX/2022 and was told there was no resolution and it would take XXXX business days. I was advised to call back on XX/XX/2022. I called back on XX/XX/2022 and was told that the issue was not resolved yet and I should call back on XX/XX/2022 to request that the issue be escalated since it was past the due date for resolution. During one of my follow up calls I offered to send a snip from the XXXX XXXX website to show I am not the owner but was informed that the bank had to do it's own research. I called back on XX/XX/2022 and was told the issue would be sent to the escalation team. I received an email from XXXX XXXX stating she was the representative for my escalated issue. She did not provide a contact phone number. I emailed her and asked what she would be doing to resolve my issue and when can I expect it to be resolved. By Monday XX/XX/XXXX, I did not receive a response so I called the same customer service number. I informed the representative that I had not received a response from XXXX. She said I should have received a response within 24-48 hrs and she did not know why XXXX had not responded. She said she would send a message to XXXX to reach out to me and, once again, I was advised to call back if I did not receive a response by Wednesday XX/XX/2022. It is XX/XX/2022 and I have not received a response or resolution. It is clear that continued calls is not resulting in resolution so it seems silly for me to continue to call. The impact of this issue is an overstatement of my escrow payments of {$100.00} per month.
Product: Checking or savings account

Bank of America closed my account ( XX/XX/2017 ) due to fraud. After the investigation I was told that it was indeed fraud and a no fault to me. However I have been placed in XXXX and XXXX XXXX XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : TN CHILD SUP XXXX Balance : {$20000.00}
Product: Student loan

School : XXXX University, XXXX I am having issues with my loan servicer & bank. I have a private student loan financed by XXXX XXXX and serviced by American Education Services ( AES ). I was on a repayment plan with lower, affordable payments. When that repayment plan expired, my payments doubled and I was not able to afford them. I called several times and asked for other payment plan alternatives. Each time, they asked me a series of specific questions and were not transparent about the process. They were fishing for specific answers and if I did not respond with those answers they would deny my request and not help any further. For example, what I gathered from a group of questions was that if you were unemployed, they would only grant you a forbearance if you could prove that you have a job that starts in the near future. I had a job, I just could not afford my payment doubled. At one point, one representative told me to just pay what I can afford and my account would stay in good standing. I knew that was a lie. I 've continued to request help with repayment and have been denied each time. I continued to make payments each month with what I could afford. That amount has even increased over time. But the amount past due on the account continues to grow and my account is delinquent. This seems unfair considering I make a payment each month. I believe they are collecting as much as they can from me now, only to sell my debt to a collector where my options will be even more limited and my credit ruined. I have been dealing with this for about a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date I have not received any response, and they are still reporting inaccurate information on my credit report, as they have not provided any information of them removing the inaccurate items from my credit report.

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Product: Credit reporting or other personal consumer reports

XXXX ATTEMPT : disputing again because a Experian rep canceled my previous dispute with my attached documents when I asked them not to because I did not want to rest the dispute process with the attached documents so I am sending them again I am again disputing this XX/XX/year> late payment that is reporting on my credit report. They changed the reporting status multiple times on my credit report, it was reporting on time at first and I will be attaching a copy of that with this dispute. My consumer rights are being violated and my information is not being reported accurately.

15 U.S.C. 1681s2 Requires that information provided to consumer reporting agencies be accurate. It prohibits providing inaccurate information, or providing information after being notified that it is inaccurate. 
And the late payment in XX/XX/year> with XXXX XXXX XXXX was reported late and that is inaccurate information I was NEVER LATE. 

Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law of the posted late payment and I was never notified. ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit.I was never notified about any XX/XX/year> late payment or any late payment at all. I credited the transaction with my credit card/social security card . The late payment is in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. 
Experian is VIOLATING MY CONSUMER RIGHTS they CAN NOT guaranteed accuracy and is reporting false misrepresenting information on credit and keep changing the information and dates on the same account Thanks kindly