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

Hello my name is XXXX XXXX It's a few things but all these things need to be fixed that i mentioned please help me resolve all the problems you can, thank you very much. ( 1. ) somebody is spending money in my name using to pay utilities it said i am not ok with any money being spent. ( 2. ) says i have taken a mortgage on something i did not and would not do. ( 3. ) I never lived at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( 4 ) My XXXX # has also been compromised and have an identy theft- identy fruad im trying to figure out any help would be greatly appreciated. ( 5. ) A already disputed charge of {$1500.00} to a common wealth financial, swift emergency phys., the only thing it changed was the address from coliseium dr. To XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2021. ( If it helps my grandaddy XXXX XXXX XXXX passed and in his will i was left some things and money that i never received, and could be what that mortgage is but if it is id b living there nobody told me how to get my part of the will. ) But all the things listed above need to be disputed and if he left me a home and somebody took a mortgage out on it that deffinatly needs to be disputed along with the rest of what was supposed to be left to me that i never received.nobody notified me of any of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In their latest response, Experian continued to refer to the report in question as my " Experian Credit Report '' ( which it is not, rather it is their Experian Healthcare Report '' as provided to XXXX XXXX ). They also continue mailing the Experian Credit report ( about six or seven times now ), despite it not being challenged. One would think that, especially after two years and multiple complaints, they would break from this language. 

Further, after referring to my copy of their Healthcare Report ( attached, as provided to XXXX XXXX ) Experian, in their latest response writes : " In your complaint, you state that there are two data points in error on the report : estimated household size, estimated income. You are requesting that Experian address the data points in error. According to our records, the personal information you mention is not on your current Experian consumer credit report. We will be mailing a full report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal Service. 

************Upon further research with our Experian Health division, we have been advised that the data points are already in progress to be updated. It is important to understand that it is impossible for any data provider, including Experian, to be 100 % correct, 100 % of the time and discrepancies or inaccuracies can occur from time to time. It is also important to understand that Experian Health employees do not possess the access or rights to change the data. '' After two years, they now understand which report of theirs we have been referring to and we applaud that. 

Now that they have addressed the erroneous data, presumably with its provider, and claimed to have updated it ( by now ), a new copy of that EXPERIAN HEALTHCARE REPORT- with the corrections they cite performing above - should be provided to me immediately.
Product: Bank account or service

I have had XXXX accounts at first merit bank for over 20 years. 10 years ago I started selling items for individuals and occasionally have small estate sales. My accounts have always been individual rather than business accounts. In XXXX the bank manager said the bank flagged my account for having too many checks deposited. She informed me they wanted me to change to a business account or to supply 2 years of tax returns to prove I was claiming income from the liquidation of personal property. I complied and gave XXXX ( the other manager ) 2 years of my tax returns which were supplied by my accountant. I had assumed since I had shown that, in fact, I had claimed all income the issue with the accounts was resolved. A few weeks later I received XXXX certified letters stating that all of my accounts were being closed. Quite stunned, I called first merit and spoke with XXXX ( downtown ) and she said they were closing my accounts. I asked why. She said they did not need to explain why because they could terminate a relationship with any of their clients at any time. I had explained that I supplied what they had requested from me, and still wanted to retain my accounts. She said she would submit a request to keep the accounts open & would check to see where my 2 years of tax records showed up. I called her back 3 days later and she said since I did not give them the tax records ( which in fact I did ) as XXXX another teller at the branch confirmed that I did, they were still closing the accounts. I was never given an honest or appropriate reason that the accounts were being closed. I had done what they asked me to do. I believe this is CLEARLY a case of DISCRIMINATION and would like to allow the First Merit bank to explain their actions before I escalate further action against their institution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX {$3500.00} this account not mine i try to called few times the dont have any contract with my name not the full ss then when they told me to verify my self they asked for the full ss number and they write it down on my account i never did any business with the company that they represent i disputed several times with the credit BUREAU i filed identity theft report nothing helps and its keep coming back as verified i keep asking them how they verified and the telling me that the collection agency verifying it i dont know what to do anymore im trying to buy a house and its stopping me and making me lose money every year my XXXX XXXX dropping and staying low bc of this account please help me to remove it very truly yours XXXX XXXX
Product: Debt collection

Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. 
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.
Product: Credit card

Tried to speak with merchant to get them to honor original price as agreed, no success. Attempted to dispute transaction with Chase credit card, was denied and not given a valid reason why they deemed it legitimate. A summary of the transaction disputed is below : I originally purchased a XXXX on XX/XX/XXXX ( XXXX # XXXX ), which was cancelled by XXXX through no fault of my own. My account and credit card were both in good standing and did not decline payment, so there was no reason this should have happened in the first place. I was told to repurchase the XXXX, and saw that the total price was now {$400.00} vs the original {$230.00}. I confirmed multiple times with the chat agent ( XXXX XXXX ) that the same price would be honored. I went ahead and purchased it, and then reached back out for the adjustment. I communicated with XXXX, who went back and forth on giving a clear response, and then finally stated that a XXXX was reviewing it and I would receive an email response within XXXX hours. Currently it is about XXXX hours over the promised time, and I still have yet to receive a response. I do also want to note that both conversations were quite difficult, and took several times before they understood my issue. They seemed to overlook key details I was providing and instead giving a canned response. Given I have this agreement in writing, I am requesting the {$160.00} be refunded as stated.
Product: Credit card or prepaid card

1- On XX/XX/XXXX transaction amount of {$330.00} at XXXX XXXX 2- On XX/XX/XXXX transaction amount {$140.00} at XXXX XXXX # XXXX 3- On XX/XX/XXXX transaction amount {$14.00} at XXXX XXXX # 12 On XX/XX/XXXX I noticed these fraudulent transactions and reported these fraudulent transactions to TD Bank Ph. # XXXX, got my card blocked .I was told the complaint would be investigated On XXXX I received a letter dated XXXX, showing my complaint as case # XXXX from Dispute Resolution Department of TDBank stating that chip was used for these transactions and since the card was with me all the time, they could do nothing about it and that I was responsible for payment of these transactions. 
I called TD Bank # XXXX on XXXX and contested the decision.I assured the Bank time and again that the card was with me all the time and I had never made the three transactions. I was told that they would open this matter again for investigation which would take 60 days. 
On on XXXX, I noticed a late fee levied for these transactions.I called Dispute Resolution Department on XXXX again and reported the matter.I was told that my complaint on XXXX was not showing on their system and no action had been taken.My call was transferred to customer service, from customer service I was transferred to Credit card services and then back to Dispute resolution department where I was again told that chip had been used and since I had stated card was with me all the time I was responsible for these transactions. 
On XXXX I sent emails to XXXX and XXXX about this matter and that I was being held responsible for these fraudulent transactions and forced to pay.This email was forwarded to Chairmans Service center for TDBank.I received a call from this office from # XXXX on XXXX and was informed that they will look into the matter. 
On XXXX I received a call from Chairman Service center, ph # XXXX Informing me again that since chip has been used I am responsible for these transactions In spite of my repeated statements that I had never made these transactions nor anybody else did it on my behalf and the card was all the time with me, the bank refused to accept my statement and I was repeatedly told since I was in possession of the card I was responsible for these fraudulent transactions.I told them that my Bank profile information/ID could have been compromised in the bank, card made and used to make fraudulent transactions in my account.I explained to them that I have been using this card since XX/XX/XXXX and have been paying for transactions on time and without incurring any late fee or fines. 
I had no other options left other than approaching CFPB to get this matter solved.
Product: Payday loan

I have made several request to Speedy Cash to Cease & Desist all phone calls and I still am receiving phone calls.
Product: Checking or savings account

On XX/XX/2020, I opened a Citi Priority Checking and Savings account. Soon after ( within 30 days on XX/XX/2020 ), I transferred an amount of {$50000.00} from my XXXX account into the new Citi account, and the terms indicated that I will receive a bonus of {$700.00} if I maintained that balance for 60 days. I continue to maintain the balance but have receiving no bonus. 

I have previously complained and Citi said it was too premature. Complaint ID XXXX. Since then, I spoke to them as well and a rep confirmed that I am eligible and raised an internal inquiry and I have not heard back from Citi. 

This has now taken more than twice the time Citi has promised for the bonus for account opening, and this is really deceptive way for them to get and keep my deposit.
Product: Mortgage

Borrower finalized her divorce from the primary borrower on the loan, on /or around XX/XX/XXXX. 
Since then the secondary borrower have been paying the monthly mortgage payments. The secondary borrower have tirelessly presented financials and the ability to pay the mortgage, but the lender have continually rejected removing the primary borrower from the loan. Although the settlement agreement, as well as the divorce decree, have been presented to the mortgage company. 
Again, I requested a modification on/or around XX/XX/XXXX, and was denied because XXXX XXXX XXXX XXXX, dba, Home Mortgage Company because they factored in the primary borrowers ' income although the primary borrower was no longer in the home. Also, effectual documents were submitted to the lender along with their representatives. 
Most recently as XX/XX/XXXX through XX/XX/XXXX the above documents were presented to XXXX XXXX XXXX XXXXXXXX, dba Home Mortgage Company both to the refinance department also  assumption department. Yet both applications were denied, based on the foreclosure on the primary borrower in XXXX. This is not feasible to continue to carry the other borrower on a loan that he has not paid for in over nine years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the XXXX in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about XXXX pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent this dispute to XXXX  to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability with my new credit applications getting denied also causing me undue stress.
Product: Student loan

I reported to Great Lakes Borrowers Services, multiple times that I fraudulently received my federal financial aid, which is a felony. I documented the issues, wrote & called, called back, emailed, asked the information be added to my file, requested that they act on the information. They have done nothing to date to assist me for almost two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today I am requesting the account in question be removed completely from my credit report. It's a very old account, almost 8 years in age. I would greatly appreciate if you could permanently remove it. Thank you. 

Im sorry for being specific, but i dont want the account hidden and still reporting, sharing and providing information to individuals that don't have my consent. Thank you in advance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against my credit card company for incorrectly handling a dispute regarding hotel charges. Below is a summary of the events leading to the dispute and the issue with the credit card companys response : XXXX. Initial Hotel Booking Issue : I was incorrectly charged for an additional night by a hotel. Despite my attempts to resolve the issue directly with the hotel, they refused to refund the extra charge. 
XXXX. Dispute Filed : On XX/XX/XXXX, I filed a dispute with my credit card company regarding the additional nights charge, which was made without my consent. 
XXXX. Dispute Denied : The credit card company denied my dispute within hours of making the dispute, citing a cancellation policy and stating there was no record of me canceling. This is confusing and irrelevant to my claim, as my dispute concerns being charged for a night I did not authorize, not a cancellation. 
XXXX. Lack of Proper Investigation : The denial suggests that the credit card company did not adequately investigate the circumstances surrounding the hotels incorrect charge. There was no need for a cancellation, as my issue was with being incorrectly charged for an extra night I did not book. 

This incorrect handling of my dispute has not only left me unfairly out of pocket but also questions the efficacy of the dispute resolution process provided by my credit card company. I seek the CFPBs assistance to investigate this matter and to ensure that a fair and just resolution is reached. 

Thank you for your attention to this issue.
Product: Checking or savings account

I opened an account with Marcus by Goldman Sachs online bank through a link from my brother so we both got a higher interest rate on savings accounts for a period of time. I linked 5 of my savings accounts with Lakeland Bank to 5 accounts with Marcus and transferred a total of {$28000.00} between the XXXX accounts. In XXXX I received an email that something was changed with my Marcus account, but I knew I had not logged in and done anything in some time, so I logged in to find a message that I was temporarily locked out of my account. I called Marcus and was told my accounts were closed, they could not tell me why, and my money would be transferred back to where it came from within XXXX business days or a check would be mailed to me. I never received the money so when I called after the XXXX business days, they told me it was still being reviewed. At the end of XXXX I received statements for each account showing interest received. At the end of XXXX I received statements for each account showing interest received and then letters for each account saying my accounts were closed, but still no money was returned to me. They tried to tell me in a XXXX way call with my bank that I needed to recall the funds. I have been told each time I call either that the money will be transferred back to me or that they are opening a case and I will receive a call from Marcus and neither ever happens. On XX/XX/XXXX, I was told they will not speak to me or answer any questions about my accounts or money.
Product: Mortgage

Have a LOC with WSFS Bank. They have filed foreclosure claiming " failure to make any payments in 2023 ''. I have a receipt of payment from them on XX/XX/2023, and they Snatched the XXXX payment along with the XXXX payment. I have the statements to prove it. 
Now XXXX has advised me to get payoff to current, which dismisses my case! The payoff includes their legal fees fighting this fraud case, and the Threat of {$1500.00} Fine and provides for Motion to Proceed for them! 
Their original foreclosure complaint states " no Payments Made in 2023 ''. They have rewritten the record to create one that shows this and have accomplished it by " Snatching Payments '' and " Re-Allocation '' in 2023!. I may have been low on payments as they kept rising, but I made them. This shows they created a new record to gain by foreclosing on my home. This shows what they did and how they did it, to foreclose on my home.hen they were paid internally to the WSFS LOC. This provides for multiple sources of documentation on transfers/payments to WSFS and the LOC. 
I'm XXXX, and on SS which hasn't been keeping up with the interest rates and inflation. I'm going to have to start transferring all of my SS to this and figure out how to get make more. 
I don't have the funds to defend against Predatory Banking Practices, Fraud, and Creating a new Record to enable Foreclosure. I believe this is a Civil Rights issue also with them violating my rights this way I'm not sure XXXX is up to or able to keep assisting with this case.. In which case, I have no protection against this bank 's actions. 
I can provide all documents including XXXX Bank Statements, WSFS Checking Account Statements, WSFS LOC Statements, and every other document they ever sent. Including : a WSFS Payment Receipt for XX/XX/2023, and " account Overdrawn Notices '' on XXXX XXXX after they seized money from my checking account. I'll need to speak with someone about them and personal info contained before sending them. 
I can't deal with this on my own and they have been evasive and blatantly lying to me every time I have called them. These are Unfair Banking Practices and outright fraud.
Product: Debt collection

they are trying to collect a bill from XXXX that Idont owe contacted XXXX XXXX they say I don't owe anything XXXX XXXX XXXX are trying to collect for XXXX XXXX dollars call XXXX today and they say I owe them nothing, these people are reporting me to credit bureaus
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on ther platform leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss and I want appropriate redress for these violations.
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 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 didnt comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.