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

Wells Fargo stopped me from accessing my account with a debit card told me I could have a debit card for a year because of fraudulent activity. I also was charged monthly fees on the account after they took my debit card and told me I wasn't allowed to have a debit card to my account. I also was negative funds in my account mysteriously and was charged overdraft fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Edfinancial Services Student Loan Issues Dear CFPB Representative , I am filing a formal complaint against Edfinancial Services , my student loan servicer, regarding issues with my loan account [ Loan Account Number ]. 

Details of the Complaint I have experienced the following problems with Edfinancial Services : Incorrect loan balance, failure to process income-driven repayment ( IDR ) requests, misapplied payments, unauthorized fees, poor customer service, inaccurate reporting to credit bureaus, delays in Public Service Loan Forgiveness ( PSLF ).

They have failed to retrieve information that was given. 

It has caused financial hardship, credit damage, denied loan forgiveness.
Product: Credit reporting or other personal consumer reports

The following account has been on my XXXX and XXXX credit reports for years : JPMCB - CARD SERVICE Acct # : XXXX Alleged date opened : XX/XX/2018 Alleged balance owed : {$2500.00} This account is not mine and needs to be removed from my consumer reports. I have requested the following information from JP Morgan Chase Bank for them to investigate the fraudulent account : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6. The purchase agreement 7. Swear under penalty of perjury you were present during the alleged debt 8. Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers are correct 9. Master Bill Of Sale 10. Proof that the account number XXXX is 100 % accurate since this number was reported to my credit report. Anything account other than XXXX is not 100 % accurate and therefore would need to be removed from my credit report.
Product: Debt collection

I received a letter from Prince Parker and Associates telling me that I owned XXXX from XXXX XXXX XXXX XXXX. 
I contacted XXXX customer service and they informed me that I didnt owe them anything, and told me to contact the Federal Trade Commission . 
The FTC in turn told me to file a complaint with your agency.
Product: Vehicle loan or lease

On XX/XX/2019 At XXXX I got a call from BaySide Credit The name of the representative is XXXX  , I was threatened that they were gon na take legal action against me, I was told by XXXX  that they were going to take me to court and garnish my wages. 
I offer to pay {$100.00} a month but my offer was not accepted, I was pushed to come up with {$250.00} to make the payment and to settle the account for {$1000.00} payment was supposed to be made on XX/XX/2019 even knowing that I'm a single  mother working hard as well to get back on track, however on the second call I got with BaySide Credit on XX/XX/2019 at XXXX, I spoke to a representative first, he forward the mgs to a manager XXXX who came out with an option to pay {$500.00} in 2 payments, I told them that I was not gon na be able to pay the {$250.00} so I ask to lower the payment again for {$100.00} until balance was paid off in full not with the settlement, however XXXX  got into the call again and told me again that they were not gon na work with me, they were going to go against me and take me to court and garnish my wages, when I ask to work with me with the full balance of about {$2600.00} or so.. he mention its going to take you over 2 year to paid off, i told him I didn't care that I will prefer paid.. then have it on my credit for 7 years, he put me on hold, came back and ask me again  for another balance that I can't paid he ask for {$150.00} to settle the acct in 18 months I told him once again that I could not do more then {$100.00} I have my family as well. But he stated that there was nothing else to do and I end up the call. Now I'm scared that they are going to garnish my wages.
Product: Credit reporting or other personal consumer reports

I applied for a loan and was denied due to low score and " serious delinquency '' on said account. I tried for 2 hours a day for several days to get ahold of a person to discuss the discrepancy of my reported score and to discuss what is " seriously delinquent '' on my account. When I check online Experian shows I am not delinquent on anything and am up date on all current payments. I can not get ahold of anyone to discuss what is actually causing the " serious delinquency '' and why my bank and i are being served different credit scores. I have tried several numbers and each time the automated voice says it can not help me then it hangs up. This is having a serious impact on my life because I am trying to consolidate my debt so it's more manageable and it's currently causing me to skip meals so I can make payments on time. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

XX/XX/XXXX - Received an alert from XXXX via XXXX that Barclay 's Bank  Delaware had requested credit inquiry. 

XX/XX/XXXX - I contacted Barclay 's Bank and informed them this was not me.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX reporting agencies refuse to remove these accounts from my name after required documentation was submitted FTC REPORT IS attached. I am a victim of identity theft.
Product: Checking or savings account

I tried to deposit {$5000.00} to ATMs located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I initially tried depositing with the drive through ATM and it didn't count the cash correctly and deposited {$3400.00}. The second time, I tried to deposit the remaining amount through another ATM XXXX XXXX XXXX XXXX XXXX  ) in the property and it only deposited {$100.00} and returned {$900.00}. Third time, I tried to deposit the remaining {$900.00}, and only deposited {$100.00} and returned {$800.00}. Two ATM machines located in this chase branch miscounted total of {$600.00} and I have no way of getting my money back. Please help me with finding the lost money. Please have the branch check the balance of these two ATMs and return my deposit.
Product: Checking or savings account

Misleading capital one as usual advertise this credit card to have XXXX XXXX XXXX XXXX XXXXhe XXXX  card and incompetent custoner service XXXX XXXX says is doesnt have the benefit of XXXX requesting for misleading capital one to XXXX the benefit due to their confusing tactics and misleading tactics as the attachment clearly indicates the benefit
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. 

XXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX  : # XXXX 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 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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX ) 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.
Product: Credit reporting or other personal consumer reports

- THD/CBNA on XXXX/XXXX/2924 sent inquiry for personal loan that I dont recognize. 

- Original creditor information not available but I have a collection account that was opened on XX/XX/year> in the amount of {$580.00} that I do not know where it came from. The only other information I have is the account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion to remove inaccurate inquiries in my account over 4 times in XXXX these Inquiries are unauthorized, illegal, fraudulent, and blocking my obtaining personal and business credits and loan. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a master card with OLLO and on XX/XX/2023 my wallet was stolen while at XXXX XXXX grocery store and immediately thereafter the thieves used my credit card, went across the street to XXXX and charged {$500.00} for presumably gift cards. OLLO notified me immediately that the charges were suspicious and I confirmed this and told them the card was stolen. The store manager confirmed on their video two men stole my wallet out of my purse. I filed at XXXX 's report immediately and they were going to XXXX to look at the videos. OLLO said that only two of the charges went through and then the others were attempted but denied. I have been talking to OLLO customer service and fraud dept at least every week to get this resolved. Finally they said today that they are sending me a letter reversing only two of the charges even though I was charged for four.Previously when they told me this I sent them a screen shot of my statement showing that {$500.00} was charged 4 times for a total of {$2000.00}. Today the fraud services person actually confirmed this when we went through the math but still refused to say I wasn't charged. I'm very frustrated with them and would drop the card except they are being bought out by Ally Bank ; a more reputable one but I don't want to have to deal with the new bank and want OLLO to settle this. It's been almost 2 months! Hopefully you can resolve this for me. Thank you in advance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to send my landlord {$170.00} for my rent on cashapp and I mistakenly put in the wrong cash tag for the receiver and realized I done this and called customer service immediately or rather I chatted with them as this is there only means of communication for customer service. 5 times I had to give all the info to five different people all while only getting pre made replies saying there was nothing that could be done now except to ask the receiver for a refund which I finally did and still I've not heard anything. People make mistakes and there should always be a way to reverse or fix payments. I am now being evicted and am facing being homeless
Product: Credit card

I was given wrong information by XXXX XXXX XXXX on XX/XX/2015. I booked XXXX travel ticket with help of XXXX Agents to XXXX. Told the travel agent.at XXXX before I booked the tickets told them our situation, That just in case if we do not get the visa to XXXX can we get the full refund on the reservation. He told me yes if you cancel with in 72 hours before departure of the flight. Plus you are backed by XXXX XXXX, you should be good. Weeks later we did n't get the XXXX so I called to cancel the reservation. A month later I got my statement says that I owe XXXX {$8300.00} for no showing up to travel. Now how can it be now show when I had canceled the reservation. XXXX told me they had re booked my flight for a different day.I told them how can I travel when I did n't have the XXXX to travel. Plus you never notified me any way of the changes. Until today they have no answer for that. I have attached the copy of the reservation and cancellation. This company had given me the run around with no clear answer.Now there trying to ruin my credit by sending to collection.
Product: Credit card

I purchased some clothes on XX/XX/year> from the XXXX XXXX. I have since found out that the company is fake and does not actually exist. There is no phone number to contact them and the web site they were on ( sawell.com ) does not exist. 

The charges {$230.00} are pending on my Chase credit card. However, Chase refuses to cancel the pending charges and states that I need to continue to monitor my credit card until the charges move from pending to charged. Fifteen days after that, they would file a dispute for me. I don't see how that's going to work out since the company does not exist and there would be no one to dispute with.
Product: Debt collection

Midland credit management went to court and put a lien on my pay without notifying me. I have received no mail about a court date nor have I been threatened with court. They already took me to court XXXX of XXXX  and it was stated that If I had not heard from them by XXXX the case would be dropped. 

They have just recently opened a case against me. XXXX ID # XXXX to garnish my wages by 15 %!!!! 

I dont make much money and I live paycheck to paycheck. I barely make over XXXX a check and thats not ever enough to fully cover my rent. If they take 15 % of my check Ill lose my home. I help my parents with their rent. Yes I live with them the housing crisis is real and prevalent.

This was supposed to be done and dusted back in XXXX. If their harassment continues Ill go broke getting a lawyer. 

Below I have listed the court papers from this process to garnish my wages that were SENT to me by a 3rd party that my job uses.
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. 

XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

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

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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: Vehicle loan or lease

Finaced a lease vehicle from GM Financial on XX/XX/XXXX and returned the lease vehicle at the end of the lease on XX/XX/XXXX to XXXX XXXX dealership. All payments has been made per the contract I signed. Contract has ended and all payments was made in full per contract.Gm financial is reporting to the credit bureaus that I have a remaining balance on my account, but all payments has been make per the contract.Gm financial states the balance is for wear and tear and over mileage which I have disupted several times. I also contacted an attorney that stated wear and tear and mileage at the end of a lease could not be considered a part of the contract. only payments not made during the lease contract can be considered as a balance owed at the end of the lease.
Product: Credit reporting or other personal consumer reports

Please remove all listed accounts from my credit report. In accordance with the Fair Credit Reporting act 15usc 168 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for consumers rights to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 UC6801 which states it is the policy of the Congress that each financial institution has enough a formative and continuing obligation to respect the privacy of his consumers and to protect the security and confidentiality of those customers non-public personnel information. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX account XXXX, XXXX XXXX  account number XXXX ( which I received my XXXX ) XXXX account number XXXX, XXXX account XXXX. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 ( AN ( 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. Equifax, XXXX and XXXX whether be verbal nonverbal, written, implied or otherwise is revoked. 15 USC states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that Nondisclosure option. XXXX, XXXX, Equifax never informed me of my right to exercise my nondisclosure option. Also please remove the Following Non-Mailing Addresses listed on the reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. Equifax, XXXX, and XXXX are not maintaining reasonable procedures 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid voilations of section 1681C of this title into limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. 12 CFR 1016.7 also states that a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.. If your company fails to comply, you will be required to appear in a court venue.
Product: Money transfer, virtual currency, or money service

I am filling a compliant against cash app ( Block , inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was deceptive and not responsive enough, with they didnt comply with their errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.