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

I paid for an item at XXXX XXXX. The tech sent me an email to say I didnt send in the XXXX XXXX correctly and they could still try and if they couldnt get results Id have to pay twice. I immediately emailed and said that wasnt going to work for me. The technician never got back to me and ran the XXXX  anyways. This is all backed up in email. I told her and her supervisor I would dispute the charge with my bank and since I was disputing the charge with my bank they didnt need to refund me. 

I disputed the charge with BofA ( Bank of America ) they asked for me to send more information but they failed to provide a way to send information as their app kept freezing and closing everytime I tried to send it in. I tried calling several times I tried setting up an appt but there werent any appt times available for 3 months and I tried emailing to no avail. Now they have sent me a letter that they are closing the case and they couldnt find any wrong doing.
Product: Checking or savings account

On XX/XX/year> I looked at my bank account and noticed XXXX transactions with XXXX that I hadn't made. I called the bank right away to report the fraud. When calling the person I spoke to was over see 's and there XXXX wasn't the best. He ended up filling a dispute for around XXXX of the transactions. I kept trying to tell him there was many more. The bank refunded about half of the transactions right away. 

A few days later I called the bank back to let them know they missed a lot of the transactions that needed to be disputed. They once again sent me to a agent that was over see 's and didn't complete the claim correctly. He submitted for XXXX of the transactions. I then called a third time to have the remaining transactions disputed. 

I then had to call multiple more times to get the remaining transactions disputed and this is where my problem starts. I keep being told my claim is being denied for various response yet no one at the bank can explain why. 

Finally I seem to keep getting the same answer on why they won't do anything. The reason I am being given is they won't investigate the charges since I have made purchases from the merchant in the past. I told the bank that is 100 % true but that doesn't mean someone can steal my credit card number and make purchases with apple. 

I then went to XXXX and got a copy of my purchase history from the app store which is linked to my name and sent it to the bank. The bank has acknowledged they have it but refuse to answer the question of " if you don't see the transactions on my purchase history why are you not disputing them and refunding me my money for them. All the bank will say is that its the investigators decision and there is nothing they can do about it. I then asked the bank why are you rejecting part of my claim yet you approved part of the claim. They once again can give no answer to that.
Product: Checking or savings account

A check ( # XXXX ) which was issued one year ago on XX/XX/XXXX to a vendor company, was processed and paid by the Wells Fargo Bank, when that check got deposited on XX/XX/XXXX. 

There was a STOP Payment on that Check but as per the Bank Policy the STOP Payment is Valid only for Six months.
Product: Credit card or prepaid card

I signed up for 0 % for 12 months with XXXX XXXX with the account issued by Wells Fargo National Bank. On X/XX/17 I sent a balance transfer from my credit card to Wells Fargo and the balance transfer was rejected. I called my credit card and they told me the balance transfer was returned back to them as Wells said the account information did not match the owner. Since this occurred, Wells charged my account 900 roughly in interest. I want this rolled back and the overnight address provided so I can get this off the account.
Product: Credit card

My upgrade card sent to XXXX {$3800.00} on XX/XX/22 and I never received this card. Upgrade will not dispute the charge since it's past 60 days. I thought the payments were going towards my other loans with Upgrade, I have no notification of this card being used until I saw flags for transactions last night. I did file with Upgrade that i never received this card.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau Representatives, I hope you are doing well in Washington D.C. I hope that all of you are safe from The Coronavirus Pandemic. I'm writing to you because I'm experiencing serious problems with the company Skrill USA. I have been a very good customer from the company Skrill USA since the year 2007. 

The company name was XXXX during that time. The company told me that my Skrill account didn't have any monthly fees or other types of fees when I opened my account the first time. Skrill has been charging me inactivity fees for several months without even notifying me about this.

They also closed my Skrill account without notifying me that they were going to close it. I have been a customer of Skrill USA for almost 15 years. I opened my Skrill Account in 2007. I have been a very good customer and also very loyal to them. The Skrill customer service representative based in XXXX assured me that they were never going to charge me any Skrill monthly fees in my Skrill account and they were charging me unfair fees of {$5.00} Dollars each time. 

I was never contacted about this and they never notified me that my account was inactive. They also never sent me a letter to tell me that they were going to close my Skrill account.

They closed my Skrill USA account and they continued charging me those unfair {$5.00} fees without any notification. Please contact me at my email address if you have any questions. I can't get in touch with them by phone because the customer service number is not working well. Sometimes the calls get through or sometimes they don't go through. It's very hard to reach someone on the phone. 

I got an email message from XXXX XXXX from Skrill INC. telling me that they were working on this matter but after that I never heard back from anybody else. They also promised to call me but they never called me as they promised. I spent many hours of my time trying to get in touch with them. They are not answering their phone when I'm calling them. I think they are not answering the phone on-purpose. 

Several weeks ago I reached a Skrill representative by phone, I asked the representative to call me back if we got disconnected but he never called me back when we got disconnected. Thanks for the assistance that you can provide me to resolve this matter. This problem is giving me a lot of stress and tension Feel free to call me at XXXX. 

Respectfully yours, XXXX XXXX
Product: Debt collection

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Aidvantage/ Maximus LLC regarding what I believe to be a violation of the Family Educational Rights and Privacy Act ( FERPA ). The purpose of this letter is to bring to your attention the specific details of the alleged violation and to request an investigation into the matter.

According to FERPA, educational records should be kept confidential, and disclosure of such records without consent is prohibited. I believe that Aidvantage/ Maximus has, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to determine whether there has been a violation of FERPA by Aidvantage/Maximus . If a violation is found, I request appropriate action be taken to rectify the situation and prevent future occurrences.

Thank you for your prompt attention to this matter. I appreciate your efforts in ensuring that consumer rights are protected.

20 U.S. Code 1232g - Family educational and privacy rights b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, ( 2 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than XXXX years.
Product: Credit card

You will see that I previously filed a complaint against XXXX XXXX for a denial of a credit card. They said I was pre-approved and gave me a response code number. I applied and was denied. This was the second time in a row and their reasoning was due to the Experian report. I talked to their XXXX response team and they said there was nothing they could do, everything was based on the Experian 's explanation. 

I vehemently protest this based on the illogical process in the reasons they gave XXXX XXXX. I've attached the XXXX rejection letters with the list of issues against me as follows : XX/XX/year> XXXX. Number of revolving bankcard trades opened in the last 24 months. 
2. Average Revolving/Open Balance 3. # Revolving Trade Lines With Balance 4. One or more bankcard ( s ) or line ( s ) of credit with a balance greater than {$1000.00} on credit report.

Take Note : None of these reasons are valid. How many bankcard trades have been opened in the last 24 months? I've been denied. I have no open Balance with any credit card. I have NO trade lines with Balance. NONE! 

XX/XX/year> XXXX. Number of revolving bankcard trades opened in the last 24 months. 
2. Average Revolving/Open Balance 3. # Revolving Trade Lines With Balance 4. Income provided can't be verified. 

Same reasons again that are unfounded. And, income can not be verified? They never asked me to prove anything about my income. How fair is that? 

I am requesting Experian to fully explain, with proof, the details of the above items as listed. I have tried contacting them multiple times without any means of contact. 

See the attached documents that show Experian 's Credit Report showing the opposite of what they list above.
Product: Student loan

In XXXX of XXXX I began preparations to move from XXXX to XXXX New York. I called myfedloan to get clarification about qualifying employment as I began my job search. Specifically, I wanted to know about the hours requirement for working for a qualifying employer, as I was seeing part-time and per diem options. I was confused by the language on the myfedloan website that used vague words such as " generally '' when explaining the hours requirement for qualifying employment and hours. During this particular phone call in XXXX of XXXX, the representative I spoke to from myfedloan assured me that as long as I worked at least 30 hours a week at a qualifying employer, it would count towards my loan forgiveness. I then accepted a job at 32 hours. 

This representative obviously misspoke, as I have since learned you can only work 30 hours for qualifying employer if that is the sum of TWO separate part-time jobs, but that if you are only working 1 job at a qualifying employer it has to be at least 32 hours, OR whatever the employer considers full-time. This was NOT explained in that phone call where I asked for help understanding this policy. 

As such, my recent application was denied because according to my employer, 35 hours was considered full-time. Something I was not aware of until they completed the PSFL form, since in my offer letter it did not indicate I was part-time, I was 32 hour exempt employee.

This was SO confusing, and I potentially lost almost a year of working at a qualifying employer because of confusing information on the website and misinformation from a representative who was supposed to help guide me and clarify the loan forgiveness process. Not only that, myfedloan is not responding to my appeal and refuse to consider approving me for the time worked. Please help!
Product: Credit card or prepaid card

My wallet was lost during a vacation to XXXX in XXXX of XXXX. I called and reported the card as lost. There was a fraudulent charge placed on my card before I could alert my Avant credit card of the loss. 

No one has contacted me to discuss the fraudulent charge. I have had to make payments and pay interest on this transaction. Ive left several messages for the investigator reviewing my case and have received no call back or communication. During my most recent call to Avant on XX/XX/XXXX I was told that I was responsible for the fraudulent charges without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I signed up with a debt consolidation service Infinite Law Group. At some point they sold or transferred my account to Derek Williams Law Group. I realized in XXXX that I am paying too much for the services I have received. I have heard nothing from the in 6 months. I decided to cancel the service. I requested a refund of the monies I have paid in {$1800.00}. I got a breakdown of my account finding that none of the debts had been settled and the balance in my account is only {$200.00}. I cancelled and asked for a refund. I have been told that I do not warrant any additional refund. In further investigation, my contract states that I would be charged {$65.00} a month for the 10 months for a {$650.00} retainer fee that they have been collecting {$100.00} for. I have requested a log of what calls and letters have been sent to my creditors but am being told that they have to get approval by management as they usually don't give clients access to that. I want to know what has been done on my account to warranty the {$110.00}, {$49.00} and {$100.00} they have collected monthly out of the {$300.00} I have been paying into the account. It appears to me that they haven't been able to settle any of my accounts and won't be able to for a long time as there are little to no funds in the account to pay any of the debts even if they had been settled. Every time I have called them in the last 2 weeks, all I hear is but your contract ... yet they have been over charging me per my contract. I feel that they have been stealing money from my account. If I had not cancelled with them I would never have known that they were taking the additional {$35.00} a month out of my escrow account. If they are doing it to me how many other people are they doing this to? I was told by them that I was only eligible for a refund in the 1st 30 days. How would I have known in the 1sXXXX 30 days that no work would be done on my behalf. I feel that I have been ripped off by this law firm and have been advised to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been lied to about my credit score. XXXX XXXX has me down as a XXXX credit score, when XXXX says totally different. They have me as a XXXX credit score. Also there is inaccurate account information that needs to be removed in regards to a debt that has already been paid.
Product: Debt collection

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Delete these Account immediately from my consumer report I DID NOT give written permissible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC 1618 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802.

Furthermore, review attached documents
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or 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: Credit card or prepaid card

In XX/XX/2020 I applied and was approved for an American Express XXXX XXXX XXXX XXXX. Part of the reason I chose this card was because American Express was offering {$150.00} cashback if you spent {$1000.00} in the first three months. On XX/XX/2020, American Express emailed me " COVID-19 support : Update to your Welcome Offer '' extending the time I had to spend {$1000.00} on the card to 6 months. I fulfilled these terms, but never received my {$150.00} cashback. My boyfriend applied for and got this card at the same time I did, and he received his {$150.00} cashback as soon as he spent the requisite amount. I called American Express in XXXX to ask about this, and they said they would open an inquiry and look into it. Nothing happened for about 10 days so I called again, and they apologized and said they would open an inquiry. On XX/XX/XXXX I got an email saying an inquiry was opened, but nothing ever showed up on my account and I still have not heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response except a confusing statement about not being able to identify me. I sent the same request many others have sent and got responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Sporting Goods XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX CRED Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX Miscellaneous Home Furnishings XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Home Furnishings XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I STILL CAN NOT FILE DISPUTES ON LINE, SO MUST DO IT THIS WAY! PLEASE FIND FILE XXXXPLEASE UPDATE PERSONAL DELETE ALL OLD NUMBERS.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. 
Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. 
My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! 
I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.
Product: Credit card or prepaid card

American Express Cards purchased through company ( XXXX ) to use as employee gifts are being " stolen '' while the cards are still physically in the employees hands ( still in original gift envelope ). 

Am Ex will not refund any money.