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

I took my car to a place early XXXX to fix an issue, two weeks later they said my car was ready on XX/XX/XXXX! I had a friend take me to get my car. Upon arrival I was asked to pay a XXXX dollar deposit. He told me because he needed to make sure I was able to pay the amount. I transferred money from my kids savings, and went to cashapp and put my pin in, and then decided not to send the deposit, due to not feeling comfy. He asked to see my phone to show me his work on XXXX, then he preceeded to my car, put the hood up, I had put my phone in my car still unlocked, he was revving my engine while I was in front of my car looking at the engine. He said well sorry, please come back if you change mind. He later admitted while the car was being revved up and phone was still unlocked, he sent himself the money of XXXX. He never touched my car, I actually have receipts 2 weeks later showing I bought part needed XXXX from dealership, same part he said he fixed. 

I noticed ten minutes after I left, money was gone and called cashapp. I called the mechanic and he acted like he fixed something. Negative, my car is still not fixed. I need the money he took to pay for my repair. The part I got from dealership 2 weeks later was XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried filing a dispute 5 different times with cashapp. included the police report, and screenshots of the text messages showing the mechanic admitted to the theft and fraud. They deny my dispute due to the fact I put cashapp pin in and that is the reason. They did not care I sent texts where mechanic admited to it and even cashapp would not care. He gave me XXXX back already the following day and said he spent the other half on XXXX which is illegal to do. He also was very XXXX towards me. Nobody has gotten back to me with cashapp, its only through email. These investigations can take up to 30 days but im denied within 24 hours each dispute. They even banned my cashapp due to fraudulant activity that goes against cashapp policy? What did I even violate? Making dispute after dispute trying to get help for theft? Anytime I call, they read the same lines over and over. I have even asked to speak to a US based call center, denied. 

The business still has their cashapp, stealing money for XXXX usage is okay? They disbaled my cashapp so I could not make anymore disputes. I appealed, which was told its a 30 day process, hour later appeal denied. I never did anything that violated cashapps terms. I do not see how this is fair. Please help me resolve this and get my XXXX dollars back.
Product: Credit card or prepaid card

On XX/XX/2018 I called XXXX XXXX ( issuer of XXXX XXXX XXXX account ) to inquire why my interest free promotional balance was {$420.00} and the total balance due was {$700.00}. I was told that the additional was late fees and interest charged on the late fees. I was told by the agent on XX/XX/XXXX that they were including the late fee in my payment due but have not been applying them to the late fee balance. Instead they have been applying them as additional principal payments. He also said that even though the additional amount added to my monthly payment was collected for late fees that I would have to call and tell them to apply it to the late fee otherwise they would go unpaid. This has resulted in me owing an additional {$270.00} dollars and counting in late fees and interest because the interest is continuing to be added to the late fee balance. Over the years I have called Synchrony many times and no one has mentioned this even when I have called specifically about my late payments. This is also not mentioned in the billing statements or on my online account. I feel that it is deceiving to collect for late charges but apply them for something other than collected for.
Product: Debt collection

Upon doing research on my credit report, it appears that ARS is reporting 2 collections under my name for act # XXXX and # XXXX. I've contacted this company multiple times on numerous occasions for validation and they are not responding to me. I have never done business with them, and I do not have a signed contract. I have the right to demand to see a signed contract between ARS and myself. I have never received any correspondence from this company to give me time to validate my debt and this company has failed to respond to any of my letters that I sent out to them. The mentioned accounts are from XX/XX/XXXX for {$1900.00} and the other is from XX/XX/XXXX for {$880.00}. Because this company failed to follow the law the mentioned accounts need to be removed from my report at all credit reporting agencies.
Product: Checking or savings account

I am filing a complaint regarding an unresolved issue with a digital bank, specifically Chime Bank however they held the account through The XXXXXXXX XXXX. This account was ending in XXXX. This issue involves the closure of a checking account that took place approximately three years ago ( XXXX of XXXX ), and the subsequent disbursement of remaining funds, which I have yet to receive. 

The last formal communication I received from the bank was dated XX/XX/XXXX. In this email, they informed me that I needed to provide specific documentation to receive my account closure check at a new address. The required documents included a clear photo of an ID, the last 4 digits of a social security number, and proof of the said new address. 

Due to the considerable amount of time that has elapsed, I am unable to provide the exact balance of the account at the time of closure. However, I am confident that it was a substantial enough amount to warrant concern and merit this complaint. 

Despite the time that has passed and my numerous efforts to resolve the issue, I have not received the closure check, nor have I received further communication from the bank 's member services concerning this matter. 

I am seeking the assistance of the Consumer Financial Protection Bureau to facilitate the resolution of this issue, either by helping me receive the closure check or by aiding in obtaining a satisfactory explanation as to why it has not yet been dispatched. 

I am willing and able to provide further information or documentation if required, in accordance with privacy regulations.
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX XXXX. 
I have had since XXXX had {$14000.00} limit with 0 notice reduce my limit to {$10000.00} found out while at a register. Balance at the time was {$9900.00} 0 late payments 0 missed payments Up till this summer 0 interested paid to the company because i paid it off every month with an average of {$5500.00} a month since XXXX. We used it for a trip to the grand canyon. 
Still have the same job since XXXX with increase in pay each year. Same job field since XXXX with increase in pay each company transfer. XXXX XXXX is over XXXX. 

When i called i basicly got told nothing other than my balance was high. Which the closest it got was {$11000.00} still {$3000.00} under. Also i was mailed the letter as of the XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Initial communication to Uplift.com ; reporting that I lost XXXX ( XXXX ) points on my Credit Score due to their inaccurate reporting of multiple CLOSED accounts. I have one ( 1 ) account with Uplift , Inc. I have made multiple purchases using Uplift, always paying on time, as agreed, been a good customer. Uplift literally just started reporting to the Credit Bureaus XX/XX/XXXX and XX/XX/XXXX they reported multiple accounts CLOSED that were actually paid off in XX/XX/XXXX. As a Buy Now Pay Later company ( how they advertise/ literally their XXXX search tag description NOT as a 'lender ' ) they shouldnt be reporting transactions as multiple 'loans '. It literally is their website ADDRESS : XXXX XXXX XXXX I provided a screenshot of the loss of the XXXX XXXX XXXX XXXX no avail. I requested repeatedly that my issue/ complaint be escalated to an XXXX XXXX, XXXX XXXX, XXXX can take action to rectify this wrong to no avail. 

XXXX, XXXX XXXX and XXXX Multiple follow up communications with XXXX XXXX XXXX, Complaint XXXX, XXXX XXXX, Uplift.Inc. who ultimately responded XXXX This matter will not be leaving our team. I, once again, confirm that the previous communication from a member of my team as well as my communication had the accurate information, and no changes will be made. 

I am exhausted with the attempts to resolve this issue that is through no fault of my own. Over XXXX weeks now I have made attempts to reach an Executive that could resolve this issue.

Uplift literally on the website home page states " With Uplift, you can make thoughtful purchases now and pay overtime in bite sized installments. Spread the cost of your purchase over fixed monthly payments. No Uplift Fees. Ever. Including late fees or pre-payment penalties. '' This describes a Buy Now Pay Later ( BNPL ) service not a traditional LOAN that necessitates reporting to the Credit Bureau as an account being CLOSED!

Legislation has recently been passed regarding Buy Now Pay Later ( BNPL ) companies such as Uplift and it is important that BNPL borrowers are entitled to some of the same rights and protections of the Truth in Lending Act that apply to traditional credit cards, CFPB XXXX XXXX XXXX. 

I am being adversely affected and seeking the assistance the CFPB to rectify this wrong and reverse this action and an immediate resolution to this tragic, unfortunate situation. 
Additionally, why are there MULTIPLE entries on my Credit Report when I only have ONE ( 1 ) account with Uplift? They are harming me REPEATEDLY!

I have uploaded multiple attachments to support Uplift , Inc. self-identifying as a Buy Now, Pay Later company. I have also uploaded their XXXX email titled " Important Update Enhancements to Credit Reporting '' stating " don't worry '' if you see a notification about a " new account being opened on your credit report. '' Suspiciously it mentions nothing about reporting the account/ transactions as CLOSED! 

Thank you for your time. 

Respectfully submitted ....
Product: Debt collection

Not working. XXXX. Received XXXX they didnt bill XXXX
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 


I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is from a XXXX loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.
Product: Credit card or prepaid card

Used XXXX to plan a trip my card was charged in total {$2700.00}. I emailed XXXX tried calling, I knew COVID was effecting travel but never dream a company would take advantage in these times. I filed a dispute with Barclays within the time frame and was told they could not help me. My husband and me are retired and on a fixed budget. Please let me know what can be done. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Product: Money transfer, virtual currency, or money service

OnXXXX I found out my XXXX banks have been hacked and XXXX money to people I dont know and XXXX people and buy XXXX I immediately called All my banks, chat with agent in XXXX and XXXX to let them know the fraud and unauthorized transactions. Citibanks is the first bank I call and agent gave me a case number XXXX suggested to froze my checking account until I request to turn back On. I called twice to request static of my case because today is XX/XX/XXXX I call Citibank agent told me my case number is not finish or complete due to cut off and thats a lie so I start to yell at them and transfer me to dispute department n spoke to XXXX and she told me that my case is close on XX/XX/XXXX and I will receive a letter by XXXX that I lost the case for XXXX transactions money XXXX for {$42.00} and {$2400.00}. At XXXX the scammer even add his own deposit account and routing number in too
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inquiries from Credit Report Dear TransUnion Consumer Solution I hope this message finds you well. I am writing to formally request the removal of certain inquiries that are currently being reported on my credit report. I understand that the integrity and accuracy of credit reporting are crucial to maintaining trust in the credit system, and I appreciate your attention to this matter.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to dispute information that I believe is inaccurate or incomplete. It has come to my attention that several inquiries listed on my credit file do not comply with the regulations outlined in the FCRA. Specifically : Inquiries that are not associated with my credit applications or do not have my written consent. 
Inquiries that have exceeded the permissible timeframe for reporting, as stipulated under FCRA regulations. 
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Furthermore, I would like to highlight that there is an ongoing lawsuit regarding the failure of credit reporting agencies to conduct thorough investigations in response to consumer disputes. The allegations suggest non-compliance with the statutory requirements to ensure the reporting of accurate and verified information. This reinforces my request for you to take swift action regarding this matter. 

I kindly ask that you conduct a thorough review of my credit report and the associated inquiries. Given the potential violations of both the FCRA and the current legal landscape concerning credit reporting practices, I request the removal of these inquiries as they may negatively impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX Bank when now Convergent Outsourcing has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have four hard inquiries that i did not authorize. one from XXXX XXXX n 3 from XXXX  XXXX. i already have a card from XXXX XXXX that is in good standing. XXXX  i never filed for anything from them.
Product: Debt collection

Fair Collections & Outsourcing ( FCO ) have harassed me multiple times via phone and letters in attempt to collect debt for " XXXX XXXX XXXX XXXX with apartment or unit XXXX '' which does not belong to me. I have notified them that this debt does not belong to me and they continue to harass and attempt to steal my personally identifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT I,  XXXX   XXXX , the  petitioner, witness, and r epresentative for my wife  XXXX   XXXX  stated that, I had P.O.A was uploaded on the complaint #  XXXX  by me including my driver 's license my wife 's ID card and copy of her social security number. I also stated that, I assist my wife because of her limite d English and knowledge of our dispute with these credit bereua including,  XXXX ,   XXXX   XXXX  , Experian, esp ecially, the  XXXX   XXXX   XXXX  here on  XXXX  has had the major problem issue to report to the  XXXX  Credit companies above reported our incorrect social security. I do n't know if I made mistake, I can not locate the Complaint number above. I request the CFPB to send th e POA in cluding my diver 's license and the copy of my wife 's social security and her ID card to the  XXXX  credit companies above to fix the incorrect information spell of her first name with  XXXX , and to fix the la st 4 digit of her social  security including her last name if there is any inaccurate personal information with  XXXX   XXXX , and Experian as well. The spelling of her last name with Experian  (   XXXX   ) the  correct is  XXXX . the correct of her last for digit of  her S.S.   XXXX . I also request the  XXXX  credit companies to fix my wife 's personal information so she will able to get better score on her FICO score.
Product: Debt collection

Responding to the following statement We have received and reviewed the consumer complaint. In a previous complaint, we provided both contracts. XXXX  stated he had a contract at both addresses. When XXXX moved from one address to the other, the new residents did not take over, keeping XXXX  responsible. Much of the equipment was not paid off either. We can offer a settlement of {$3700.00}. If the consumer truly believes this was paid off, we would need proof of payment My response : Providing contracts does not support being paid or the discrepancy therein ; secondly, they failed to address the validity of the charge being owed. What was owed has been paid in full. Also, the contract I signed and have a copy of doesn't mention a cancellation fee of {$2000.00} that is being charged as part of the {$4900.00} charge, XXXX  took it upon themselves to cancel my current system, which was being paid due to their error in billing. The mention I moved XXXX times and owed this amount doesnt seem reasonable that XXXX would grant me credit and install a new system if I had already had a past due balance and was on another system. 
Does it add up? Do you have the contract but no payment history, or don't you want to share that, as it would prove that nothing is owed? Secondly, it seems odd, per their statement, I had one outstanding contract with XXXX ; why would they give me another contract if I was in default of the first one? Nothing makes sense ; they are just doing what their partner XXXX is doing, Lying to trap a person in debt that is not owed. It's all one big hustle. 

I have the current owner, the Realtor, and XXXX XXXX, text message attached all stating that the system was turned over to the new owner, who has an active account on the same system they are now trying to charge me for ; they are withholding information placing the burden on me to validate because it part of the game, the above people are willing to give a statement as well as the closing attorney that this was part of the sale of the home, why would have two active accounts but own one house. Also, they only produce two contracts, and it should be a total of three. 

The original contract, as stated in my first email at XXXX XXXX XXXX, XXXX GA The Second transfer to XXXX XXXX by XXXX, Still active on the same equipment at XXXX XXXX XXXX XXXX, Ga The last one was active and current XXXX XXXX, which XXXX canceled because of there XXXX up of the first two ; it seems odd someone would be outstanding on two contracts, and you give another contact ; this collection agency has an obligation to prove the validity of the charge, and they have not done so, providing a rubber stamp contract doesnt prove a person still owns the debt, they will not
Product: Credit card or prepaid card

Just over a year ago my wife and I applied for a secured credit card with TD bank after having our bankruptcy discharged the previous year. We were told that it would take about 6-7 months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been more than a year and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. Our credit scores are in XXXX-XXXX 's.