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

On or around XX/XX/2021, I used the money transfer app, CashApp, to send a payment for {$250.00} to XXXX XXXX. The money was never wired to XXXX XXXX and on XX/XX/2021, I received a notice in my CashApp account notifying me that the transfer had expired and {$250.00} would be refunded to my account. However, as of today, XX/XX/2021, CashApp has refused to refund the money to me.

I contacted my bank to dispute the charge -- because CashApp withdrew {$250.00} from my bank account for the above-referenced transaction. The bank issued a credit to my account as a refund. However, CashApp has continued to debit by CashApp account for the {$250.00}. For instance, I recently cashed in on {$97.00} in bitcoin, and CASHApp deducted the {$95.00} from my CashApp account and posted a negative balance of - {$150.00}. In other words, they are still charging me {$250.00} for a transaction that never went through.

I have reached out to CashApp ( via text and email msgs ) on several occasions, and they keep telling me that they are working with my bank to resolve the issue, meanwhile, they are placing debits on my account! Please help me stop this theft! 

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

IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit card

On XX/XX/year> I went to XXXX XXXX store, when I tried to paid, the cashier offer me to apply for credit card. I applied and the card was approved, but I proceed to pay cash. I did not use the card, the amount was {$58.00}. I called them, but nothing was solved. They keep calling me and made a payment of {$59.00}. The account is overdue, I required an investigation because, I did not use the credit card, but was charged.
Product: Credit reporting or other personal consumer reports

Credit Bureau : Equifax Collector : XXXX XXXX XXXX The above credit reporting agency is still reporting the above collection account when it has been investigated and removed from XXXX and XXXX. I dont believe EQUIFAX did a proper verification.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the repeated unsuccessful attempts to remove a charge-off account from my credit report. Despite my persistent efforts to address this issue, the charge-off entry remains unjustly impacting my creditworthiness and financial standing. 

I have made multiple attempts to dispute and remove the charge-off account from my credit report. Each time, I have provided extensive documentation and evidence to demonstrate that the charge-off status is inaccurate and should be rectified immediately. However, to my disappointment, my efforts have been met with continuous denials and refusals to remove the charge-off entry. 

The presence of this inaccurate charge-off account has had detrimental effects on my financial well-being. It has unfairly tarnished my credit history, making it difficult to obtain credit, secure loans, and access financial services. Furthermore, it has caused significant stress and frustration as I continue to navigate through the dispute process without resolution. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The charge-off account be thoroughly reviewed and promptly removed from my credit report. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact time frame of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove this accounts in my credit file : XXXX XXXX AUTO XXXX Balance : {$3800.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately.
Product: Credit card or prepaid card

XXXX XX/XX/2022 Capital One Bank an partner XXXX Credit Bureau Offered a Pre-Approved offer with 90 % approval Reservation Number : XXXX Access Code : XXXX Application was denied based on Credit Score being invalid or missing from source XXXX Consumer Relations.

Capital One Bank never requested credit score from XXXX Credit Bureau Capital One Bank was able to do a soft pull from XXXX Credit Bureau Capital One Bank should have asked to do a hard pull from XXXX Credit Bureau Capital One Bank is Fully Aware of the Consumer Protection Laws Capital One Bank already had access to my XXXX Credit Score CC XXXX U.S. House Committee on Financial Services
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was reported from " Thd/cbna '' on XXXX XXXX, 2017. I called Citi Theft Solutions through the Home Depot. They were supposed to remove the hard inquiry. To date, this has not been removed.
Product: Checking or savings account

Bank of America sent me a letter last week stating that they will be closing down all my accounts. 
This is outrageous I have been a customer of the bank for over 5 years and have never been involved in any form of shady transaction I need full explanation as to how this happened
Product: Checking or savings account

I am filing a complaint with capital one because I was treated very unfairly by them and my account was closed against my will without a proper reasoning. I also experienced XXXX and was called a XXXX and hung up on by one of the senior account managers who seemed to not want to be dealing with my concern. 

I was sick in hospital with XXXX XXXXXXXX to an apartment I had just moved in, and it had gotten so bad I was hospitalized for days and I had lost control of my finances and I had my sister taking care of things regarding my credit card checkings savings etc I come back from dealing with insane sickness and XXXX of my UP TO DATE credit cards are closed due to alleged abusive behavior. When I was inquiring about what went on when I was away and who they spoke to because I was not accessing my account I was told they couldnt tell me and that a letter had been mailed to an address in which I dont live at anymore because of how sick I became while living there. 

I am distraught that I have been treated this way by a bank who I once felt truly valued me as a loyal customer. 

I want my checkings and savings account back, I was unfairly exiled from Capital One I feel due to XXXX and because of the state of my health. I was discriminated against and my information was compromised
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX and XXXX XXXX Now XXXX XXXX XXXX XXXX ). As a matter of fact XXXX  and hundreds of other schools were recently sued in the XXXX XXXX XXXX XXXX. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX, and my Federal loans of roughly {$80000.00} were discharged, yet I still owe almost {$20000.00} in private loans due to the schools high pressure tactics to take out an extremely high interest private loan to pay for my classes. 
My Borrower Defense Claim was also part of the XXXX  XXXX. XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Product: Credit card or prepaid card

I had a promotion of 0 % APR till XX/XX/XXXX. On XXXX, I paid my balance IN FULL ( billing period XXXX, due date XX/XX/XXXX ) on XX/XX/XXXX, before due date, to avoid interest charge after promotion ended. However, in my next statement ( billing period XXXX XXXX, I was charged {$54.00} interest for my purchases happened XXXX. The way they calculated interest and promotion is super tricky, I got charged interest event hough I paid my XX/XX/XXXX balance in full. Agent told me I need to pay in full for everything happened before XXXX, which is when the promotion ended. This is ridiculous, they are using statement cycle and promotion cycle at the same time, which is super unclear to me. Also, to my understanding, I should not be charged interest as long as I paid off statement balance, however, it's not the case under this condition. Citi confuses me with the way they calculate interest and don't refund me the interest. 

I talked with 2 different agents from Citi already, they can not help me solve this problem ; I also filled a complaint on BBB, haven't heard anything from Citi yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple disputes regarding inaccurate inquiries on my credit report. I've sent Transunion multiple disputes regarding the following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to SHELLPOINT MORTGAGE XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.
Product: Credit card

A dispute was filed for a transaction made on XXXX, XXXX, XXXX. The merchant agreed to sell me the item in the amount of XXXX, refunded the difference back to the card. However, I was sent the incorrect model number. I ordered a XXXX Watch, I was sent the correct brand but incorrect model number watch. The item was returned, a return authorization number was provided, XXXX. The tracking number is XXXX, it was received on XXXX, signed for by a XXXX. I spoke with a XXXX at XXXX, she tried to say that the item returned is not one they sell and will be returned back to me. I 've seen the item advertised on their site before, however, it was sometime ago. Needles to say, they lied about not selling it. I further stated that the item will be refused back once received. I advised reps at Chase in the dispute resolution department of this, spoke with several of them yesterday on XXXX, they insist the company be allowed fifteen calendar days to refund. I tried to explain to them that merchant will not refund as they are claiming the item is not one they sell, which again, is a lie. The amount, XXXX is quite a lot, it is currently in dispute status. However, I do not believe the 15 day wait is necessary, considering the information I provided from merchant.
Product: Debt collection

I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No   XXXX   as the creditor account # on this collection notice from Credence and their reference no is   XXXX   I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, XXXX XXXX EQUIFAX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.
Product: Credit card

On XX/XX/XXXX a fraudulent charge of {$1900.00} was put on my Bank Of America credit card. Immediately I had a conversation with the fraud dept. of BOA credit card division. They did not cancel the card due to the fact, they stated, that all other transactions were valid and that a credit would be issued. 
I trusted their associate and let it go ; however for 11 months, none of this has been managed. I have called BOA almost monthly as I see it is never removed, no finance charges removed ... nothing. I continued to call and " believe '' that this mistake would be rectified before the next billing statement, which is what I was always told on the phone. On XX/XX/XXXX I received a letter from BOA Claims Resolution dept. stating that my claim is resolved and a permanent credit of {$1900.00} is complete and all fees associated with this would be credited. Today is XX/XX/XXXX and I still have the fraud charge on my account and I'm now due {$540.00} in finance fees. 
This is after XXXX " in person meetings '' at my local branch bank in XXXX, NJ on XX/XX/XXXX and another on XX/XX/XXXX. 
The bank also told me that everything should be taken care of now ... ... but it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Issue is that, when pulling my report, I only received a report from Experian. I DID NOT receive reports from the other two. ( XXXX  and XXXX ). 

Second issue is with Name. Every since Ive been XXXX XXXX XXXX, Ive NEVER used XXXX XXXX which is included in the Experian report. AND ... 

Is there a reason as to why I wouldnt receive a report from when I was XXXX XXXX ( maiden last )? 
To clarify, I did not receive any reports for the years earlier than XX/XX/XXXX or when I was XXXX XXXX. 

Thirdly, under Addresses, I have never lived in Oregon, yet there is an Oregon address on my report. Why? 

Is there a reason as to why my Report only dates back toXX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$490000.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$93.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I have tried countless of times to unfreeze my Experian account but have had no success for the last XXXX months. I have tried online and by phone ( XXXX XXXX XXXX XXXX XXXXContact Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) -- as well as by mail. I have sent an Experian form ( PDF ) by overnight mail to their XXXX, Texas address requesting to lift the freeze because I need it for looking for an apartment. With that application, I included photocopies of my California Drivers License, my Social Security card, and a copy of my bank statement. Due to Exerian constantly putting roadblocks in my way ( no response to my applicaton online, phone, or mail ) I have not been able to find housing. 

When I call any of their numbers as listed on their website, I am constantly referred to an A.I. computer voice and then the system just hangs up. A non-stop nightmare loop that goes nowhere. 

When I email and called to followup on my Experian Application that I mailed to them in Texas in early XX/XX/year>2025, I received no response. I also never received any mail or email to help solve my request. 

Experian makes it very difficult to get into my credit file vs. XXXX and XXXX. The other agencies requested that I upload documents to prove my identfication ( i.e. drivers license, social security, etc. ) Experian NEVER gave me that option and just keeps ignoring my request. They have created a nightmare that keeps me from my own credit report.