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

On XX/XX/year>, I received a call from XXXX  XXXX XXXX indicating an account had been opened by me and they believed it was fraudulent. They requested I transfer {$1900.00} from my Wells Fargo checking account. I did even though I didn't feel good about it. As soon as I hung up, I called the Wells Fargo frauds department to have the transactions stopped. They immediately closed my account and opened a new one and indicated the would conduct a research. I was given Claim # XXXX They send me a letter dated XX/XX/year> stating their research showed the transactions were made through a secure online banking session by me or someone who had my authority and no processing errors occurred.
Product: Checking or savings account

Truist bank was changing me maintenance fees every month that were XXXX dollars each and did not tell me why, when, or for how long they were doing it. It just started happening without them reaching out to me in any way. 

I then took out all my money from them and moved it to another bank, then they sent another maintenance fee which over drafted my account ( due to me having {$0.00} in the account ). 

The overdraft fee was {$36.00} and in total they took XXXX of dollars from me.
Product: Credit reporting

The XXXX XXXX XXXX account was paid as agreed and has a XXXX balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas
Product: Credit card or prepaid card

I received an invitation from American Express Co via USPS mail on XX/XX/2021 to upgrade my Gold card to Platinum, POID : XXXX, RSVP # XXXX XXXX XXXX exp:XX/XX/2021. The invitation has a promo for XXXX membership rewards point + {$150.00} Statement Credit if I spend {$6000.00} on the card within 6 months of the upgrade. I called Amex on XX/XX/2021 at XXXX XXXX  MST and did the upgrade and informed the operator I have a promo code, she told she has a copy of the letter with her and will apply the promo to my upgrade. I received the card and welcome letter but it didn't say anything about the upgrade, so call AmEx again on XX/XX/2021 at XXXX ; XXXX mst to make sure the promo has been applied, I talked to XXXX, who informed me that the promotion was not applied and she doesn't see it on my account. Asked to speak to supervisor but was denied and said one will call you in 48 business hours. This fraud, deception and unfair practices committed by American Express co. I request severe punishment and fines to be assessed on Amex and force Amex to honor their promotion and apply the XXXX rewards and {$150.00} to my account.
Product: Credit card

Well did a balance transfer from our XXXX XXXX credit card on XXXX it was a check to American Express for {$4000.00} - it was deposited in their XXXX  XXXX XXXX XXXX that XXXX office in XXXX XXXX XXXX on XXXX. American Express is stating that XXXX XXXX requested the funds back in which they did not - we have a letter from XXXX XXXX showing that funds were not returned- we have sent information certified XXXX and faxed to American Express with same results.
Product: Credit card or prepaid card

I had a balance transfer check returned as I made it payable to myself "  XXXX   XXXX  '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.
Product: Checking or savings account

We scheduled an appointment to open a business account for our company ( XXXX Entertainment/Publishing ) on or about XX/XX/year>. Upon entering the bank we informed employees that we had a scheduled appointment with manager. After about 7 minutes the bank manager requested we enter his office. Upon entering office manager asked how can he help us, which we had already stated prior to coming that we wanted to open a business account. We then provided the manager with the very same documents we used to open our accounts with XXXX XXXX and XXXX. He then proceeded to search for our business on the internet at which he was able to pull it up and saw that it had been activated by Legal Zoom. The banker then told us the documents we had wasn't enough and that he needed an our company agreement. We then questioned what does our company agreement have to do with opening a business account. XXXX then stated he could not open an account without our company agreement. We left the bank went home obtained the agreement and returned within 30 minutes. I ( XXXX XXXX XXXX ) asked him why does he need personal information concerning our company. He then stated his legal team needs to know who will take over and be authorized to make changes to account should someone die. Upon reviewing our company agreement, he stated this is not enough information. He then stated who's the beneficiary of the company. POD has nothing to do with opening a business account. As stated above we provided everything we provided to other institutions upon opening accounts with those institutions. We further showed him the documents provided by XXXX XXXX and XXXX to us after opening accounts with them, to prove that we do in fact have accounts with them and they saw no problem with the documents we presented. We also showed him how the beneficiary owners of the company were documented by both institutions based on what we provided. We provided a duns number along with ein number and see no reason for him to tell us he could not open the account due to us not providing what everyones job/ position is at the company which has nothing to do with opening an account. He looked at us with disdain and an obvious biases. Told us he would contact us after his legal team reviewed our paper work but for now he would not open an account because it was more than likely gon na be closed after a review.. This is in our opinion discrimination and prejudgmental actions. We wish not to open a business account with PNC after this experience, and only seek to have this matter addressed so that potential future customers of our ethnicity will not have to experience such actions from the manager at that bank. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this letter with deep concern and dissatisfaction regarding the responses provided by Equifax to my complaint. It is distressing to note that Equifax has failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXX XXXX 's failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the Equifax credit bureau 's response exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX 's untimely response. I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. 

Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that I have also filed a complaint with the District of Columbia Attorney General Office because Equifax 's repeated failure ( 4 complaints ) to address my concerns transparently and adequately. I will not hesitate to escalate this matter further to other relevant regulatory authorities and consumer advocacy groups up to and including legal action. Your immediate attention to this issue is expected and appreciated.
Product: Credit reporting or other personal consumer reports

there was XXXX XXXX credit card fraudulently taken out using my information XX/XX/XXXX for the amount of {$450.00} i have filed ftc report and have contacted police .on XX/XX/XXXX there was an fraudulent account taken out with my personal information by XXXX XXXX bank for {$1900.00}. on XX/XX/XXXX there was a XXXX XXXX bank card fraudulently taking out with my personal information for thew amount of $ XXXX XX/XX/XXXX there was a fraudulent account for the amount of {$460.00} with the XXXX XXXX XXXX XXXX on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX bank for the amount of {$1100.00}. on XX/XX/XXXX there was a fraudulent account taken out with my personal information with XXXX XXXX for the amount of {$36000.00}. on XX/XX/XXXX there was a fraudulent account opened with my personal information by XXXX XXXX for the amount of {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( XXXX, TransUnion and XXXX ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$5700.00} XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXXXXXX BALANCED {$22000.00} XXXX XXXX XXXX BALANCED {$600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 we were at all inclusive club in XXXX XXXX, XXXX  XXXX XXXX- we attended a spa on the property and had massage that was a compensated service. 
When we arrived home in XXXX we noted a charge on Citicard for {$1200.00} that we did not make it was on the same date we were receiving massage. On the card statement is states " XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We made a complaint to the credit card company and they responded to say they did not believe it was fraud. 
We appealed the credit card decision and appeal resulted in same response. 
The charge was in XXXX so we don't even know what was charged and we requested proof that they had my signature on the credit card receipt - card company did not produce any response. I have no knowledge of what was purchased or who purchased it. 

The same issue arose with another couple we were with - on the day before our charge but also around same time they were in the spa- ( we now suspect employees of the spa ). They had XXXX XXXX card and it was immediately removed from their card. 
They did cancel our card and issues us a new one to may sure no additional fraud occurred- which to me shows they knew it was fraud.
Product: Vehicle loan or lease

I am a veteran of the us military, after retiring I decided to get a newer model car, XXXX XXXX financed the car to me, my wife was hospitalized for a few months and all of the bills fell behind. I continued to make payments on the car last week the car was repossessed and a week later the bank sent me a default letter saying that I would lose my car if a monthly payment was not made.
Product: Student loan

I am filing because I believe that I am very close to or have reached my 120 qualifying payments to get public loan forgiveness. I submitted my employment certification form to Fedloan Servicing at the end of XX/XX/XXXX but have still not seen them update my count with this form as well as applying what benefits I should be getting because of the PSLF waiver the Dept. of Education implemented in early XXXX. I am not 100 % sure if this is more of a delay with Fedloan or more of a delay with Dept. of Education, but I '' M desperate to see that this will be updated especially because this waiver is supposedly only in place until XXXX of XXXX. Any help on getting this addressed or moving more quickly would be greatly appreciated.
Product: Student loan

I 'm trying to pay off my student loan completely this year. Every chance I get I try to pay off a little more than monthly needed. I called in to pay with my credit card and they rejected me and said they passed a new law in  XXXX  stating we could n't pay with credit cards. No one made me aware, there were no notices sent out. Paying with a cc is convenient being that I pay off my credit card every month. Another thing is putting in your banking info  I or der to pay a loan should not be allowed it 's an invasion of privacy. I want to be able to pay whichever amount I want with any available options with that being credit, debit, or check. I am very unhappy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I sent in disputes letters and file on cfpb and I have not had a response by mail from EXPERIAN, XXXX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.
Product: Credit card

On XX/XX/year> I received an email that my " Chime Credit Builder Secured Visa Credit Card '' application was almost complete and, around the same time, a text message that my Chime account was ready. 

I immediately called the Chime customer service number to request that the account be closed and marked fraudulently opened, since I didn't open the account myself. They complied and sent me confirmation that it had been closed and that I wouldn't be liable for any fraudulent charges incurred. So, no financial damages occurred since I was able to act quickly. 

However, what is especially concerning to me is that I have a credit freeze with all three credit bureaus ( as I know my information was stolen in the XXXX breach and I've had issues like this in the past before freezing my credit ). I learned that Chime doesn't do a credit check/pull before approving this type of credit card, so the freeze is useless in this case. Ironically, when I received the confirmation of account closure, it had several tips for avoiding fraud such as instating a fraud alert or a credit freeze. 

If they wish to not hold someone's poor credit against them ( as seems to be the case with this kind of card ), they should still do a credit pull to ensure verification and security/enable people to see an alert if someone is trying to fraudulently use their info to open an account!
Product: Credit card or prepaid card

In XXXX I used a website called XXXX for a medical appointment. On their online chat, I was told that I can have same-day appointment but the only way to make the appointment was to be their member for a charge of {$140.00} a month. 

I made the payment but when I was in their appointment system I found out that they did not have any availability for a month. I contacted them on XX/XX/XXXX on the phone and I was told that my account was canceled on the phone. 

On XX/XX/XXXX I contacted them via email and they said they could cancel my membership. 

I saw this transaction on my XXXX credit card statement. I contacted Chase bank for a dispute but they did not provide me any kind of documentation later I got a mail from chase stating that the charge was valid. 

I contacted the Chase bank again in XXXX and I was told that I should provide the information via fax to them which I did. 

I also contacted the merchant about the issue ( Emails are attached ) and had several phone calls with them. In each phone call, they apologized and told me that my membership was canceled. Later I get an email from the goforward company stating that they can not issue me a refund because there was a dispute with this transaction. 

" On Mon, XX/XX/2020 at XXXX XXXX, " XXXX XXXX '' XXXX wrote : Hi Chance, we are still working on this issue. After looking into this, it appears that we are unable to process a refund to your card as the initial charges were disputed. We will provide you with an update as soon as we are able to. We apologize for the delay. '' On XX/XX/XXXX I got a notice from the chase bank " Based on what you and the merchant provided, we found that the merchant provided the cancellation policy when you made the purchase, and they don't have a record of cancellation meeting the policy guidelines '' Today I contacted the chase bank again and talked to a representative named " XXXX '' he initially asks me to send him more documentation. I did later he told me that I should contact the service provider for a refund. I showed him the email that the service provider says chase is dealing with this issue and each time I contact them they either say they have some technical difficulties ( Email attached ) or Chase bank was handling this. 

I also asked him if they contacted the company after I provided the information and he said no, he said the goforward provided me cancellation policy which they didnt. He also claimed that chase send me a copy of a cancellation policy via mail in XXXX which they didnt. I asked for this policy and where it was send he said I have to wait 10 more days for this. 

It appears that Chase bank did not want to deal with this fradulent charge and sends me to a company which has no working phone number and all the email response I get from them telling me that because of my bank they can not issue me a refund. My bank chase tells me that I need to contact the merchant.
Product: Credit reporting or other personal consumer reports

I was checking my credit history and found over XXXX inquires that were not authorized by me nor did I revive any service from these companies. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or initiated for permissible purposes should appear on my credit report. If these inquiries were not authorized or initiated through legitimate means, they must be removed.
Product: Vehicle loan or lease

Financed a XXXX expedition through wesylake financial servicesin XXXX i believe. Agreement i signed was for 48 months @ {$310.00}. Plus change. When i tried to payoff after 47 months to purchase another car. I call westlake to find out payoff ammount to find they claimed i owed another XXXX dollars. Asked for reason of increase and was told i owed some late fee. Explaoned i was late one time during loan when i had a XXXX Nd i call the company to find out about associated fees. Was told there was a XXXX XXXX dollar late fee and paid that while i sas on phone with them. When i asked to speak to a supervisor, was told there were no eopervisors and would have to pay what computer said. O refused to pay without explanaition and requested a copy of my contract with my signature on it in XXXX of XXXX  and still havent received it. Earlier this year, i called again and spoke to an agent of the company and was told they wrote off the loan and had no more info. In the mean time, i have been paying insurance and licenses on this car. I just want title to car so i can dispose of it. 
Thank you for any help you may provideXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a gift card as a bonus from work in XXXX XXXX with XXXX $ on it. It expired on XXXX XXXX. The company XXXX with phone number ( XXXX ) XXXX XXXX says they will not replace the new card based on their terms and conditions. On the CFPD website it says they should be able to replace the card : XXXX : XXXX What can I do about this how can I get this money back? 

-XXXX  Also , I am very happy that a resource like website exists for people like me.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS. XXXX XXXX, XXXX XXXX, XXXX ACCOUNTS. 

I ATTACKED A LETTER FROM XXXX TELL ME THAT MY NAME WILL BE REMOVE FROM THAT ACCOUNT DUE TO FRAUDULENT OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Actually, I was having a good credit score last month but I saw a drastic drop in my credit score this month. Earlier I was just neglecting this impact but now when I saw my credit score in XXXX XXXX, I tried to find out the cause of this drop. I saw there were some hard copy inquiries put by some company on my credit score without my permission. 

Can you please help me in removing these companies from my record?
Product: Debt collection

XXXX was delivered to wrong house and signed for. Filed a complaint and got it removed only for them to submit it to another credit agency XXXXXXXX XXXX XXXX
Product: Debt collection

US Auto Sales wouldn't honor warranty I paid out my pocket get car out shop they left in ... .I never signed contract with Westlake don't even know who this party is ... and my car was repossessed last night and I have money and personal things in it can't even find it through vin
Product: Credit reporting or other personal consumer reports

I'm writing to inform you that I've fallen victim to identity theft. This communication serves as a formal dispute regarding the accounts detailed on my credit report. I've proactively reached out to the companies involved and started the essential procedures to address this issue. Furthermore, I've lodged an identity theft report with the FTC and have begun disputes with the relevant companies. I kindly ask for your assistance in resolving this matter. Thank you for your prompt attention to this matter.