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

The company states 4-5 business days and 7-10 business days ( depending on working holidays ) for transactions to complete. They state this time frame is due to the bank, not them personally. I purchased onXX/XX/XXXX. It almost immediately showed up as a pending transactions. It completed posting on the XX/XX/XXXX. 

At the latest, my funds should have been available on the XX/XX/XXXX. To this day, the digital currency is still being held and I'm unable to access or transfer it. 

I've reached out to the company 's email and phone. They claim a " specialist '' will contact me but never do and there is absolutely no timeline for when they will. It seems like they're mocking the fact they are holding my funds for no reason and there's nothing I can do about it. It's unbelievable. 

I've completed all forms of verification, including sending the front and back of my ID. I completed the instant bank verification. I even completed a smaller transaction during this waiting timeframe and it's cleared just fine. They completely refuse to help. Can you assist me please?
Product: Credit card

I am filing this complaint against Avant Bank regarding an unauthorized charge that appeared on my Avant credit card, which has resulted in unjustified financial and credit reporting consequences. This issue is impacting my credit score at a critical time, as I am currently in the process of buying a home. 

I initially applied for the Avant credit card based on a recommendation that it would improve my credit profile. The card has a relatively low limit of {$300.00}. I paid off my balance in full and maintained a XXXX balance, with no intent to use the card again. 

However, last month, I noticed an unauthorized charge on my card. In response, I immediately filed a dispute with Avant, as I had not made this transaction. Despite my dispute, Avant continued to attempt to charge me for this unauthorized amount, and they have since reported a late payment on my credit report. 

As a result of XXXX handling of this dispute, my credit score is negatively affected. I have worked diligently to maintain a strong credit profile, with no late payments on other cards, and I can not afford this damage to my creditworthiness, especially while securing a mortgage for my new home. 

I believe Avant is engaging in bad faith by reporting a late payment related to a fraudulent charge. I am also concerned about interest or late fees associated with this disputed charge, as I had no outstanding balance and should not be held responsible for unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT  AGENCIES BACK IN XX/XX/ 2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX 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 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 XXXXXXXX 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 XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 my account was hacked and they took XXXX when i checked my account I chatted with them that first day and told them it wasnt me they sent me out a new card and started an investigation then the person somehow took another XXXX out my account everyday the person that hacked my account tried purchases and each time i contacted current they said dont worry you have a new card coming. I get my new card and someone tries that card at this point im thinking this is an inside job no way they can keep knowing my information. Now in the meantime they said it can take 10-120 to investigate. I had to get 3 card changes i eventually stop using XXXX and switched waiting for them to return my money. I did have the same chat person twice and she said she escalated my case but one day before the 120 mark they sent me an email said they investigated and found no fraud. That money was bill money my unemployment not play money and im not going to steal from myself but current stole from me and didnt do a investigation they could have caught the person one time i chatted with current it was a minute after the person tried to charge my card they could of caught them right then had they been investigating one company even told me all there investigators had to do was call and get the information current never called. They sent me a notice AT THE 119 DAY MARK! That was a way for them to get out of giving me my money back I never had that problem with a brick and mortar bank and I will never trust one bank with my money again. I want my money back because they failed to properly investigate and even after they sent that message and i cried my eyes out i spoke to the same woman on the phone and she could not believe they didn't research she checked while i was on the phone and resent for escalation even though they closed out first investigation I haven't heard from them since and i don't receive direct deposit there anymore but this is sad.e I want my XXXX back in my account and im going to make sure this doesnt happen to other people I complained to current XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 they ordered my 3rd card i sent them all types of chat and nothing
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX  on behalf of Bureaus Investment Group Portfolio No. 15 LLC, about a debt that I was never aware of. I sent a debt validation letter requesting further information in regards to this debt on XX/XX/XXXX via certified mail. Post marked XX/XX/XXXX I received a letter back from XXXX XXXX XXXX XXXX XXXX, with only billing statements and a typed letter from XXXX XXXX XXXX informing that a credit account with them was acquired by Bureaus Investment Group Portfolio No.15 LLC . on or about XX/XX/XXXX. I sent XXXX XXXX XXXX XXXX XXXX, a letter requesting additional proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/XXXX. I received a response back postmarked XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, with the very same information they sent to me on XX/XX/XXXX. They have failed to properly validate this debt with a signature bearing my contract. I have documentation stating where I lived during the said billing statement dates and it is an incorrect address from which they have provided on this debt. Instead they send me the same documentation from a previous request and as well a debt collection letter while this debt is currently in dispute.
Product: Money transfer, virtual currency, or money service

I used PayPal on XX/XX/2021 for a transaction from a seller on XXXX The seller ripped me off and did not send all my items for one and the quality of the items made were not anything he said they were. Some were broken upon arrival. Some were flimsy and toy like. The items should have been sturdy able to handle impact and force. These could not. I wanted my money back the seller would not. I went through PayPal for a refund through the buyer protection they offer. 
Now PayPal keeps fighting me on my refund. They did not give me time to return the items or when I said the seller needs to pay for his junk to be shipped they were going to ask him and did not even wait for his response and denied my claim. This makes no sense since I was the one ripped off. 
I just talked to paypal again yesterday XX/XX/2021 and they have reopened the case. Told me I have ten days to provide a shipping tracking number. Today the XXXX I received an email saying that my claim was denied for not providing a tracking number. It wasnt even 24 hours!! 
I am tired of fighting with paypal to get my money that was taken from me by lies and deceit. Along with their actions of not protecting me like the said they would. I did nothing wrong and was taken advantage. I was supposed to be protected through paypal which is why I used them. Turns out they are thieves as well.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/23 Please remove it from my credit report 2. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/23 Please remove it from my credit report 3. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
4. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
5. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXXXXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
6. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
7. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report.

8. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Credit reporting or other personal consumer reports

Chase credit card - a XXXX chase card. I was having a hard time paying it after the interest free period was off they referred me to a debt relief program. I entered into an agreement with them, making payments and boom my account is now reported 60 days late. When I call to get a statement I can no longer receive them because the accounts closed and it will not show up on my online account because the account is closed. I am also not getting consistent information, the reps say the account is 40 days past due despite my on time automatic payment with the debt management company that chase referred me to. This company also allowed a third party to open this card that provided my wrong personal information this is fraud. I can not access my account due to this. Wrong email wrong address. It was a company that posed itself as a financial relief program
Product: Debt collection

I went to the XXXX  on XX/XX/XXXX for the XXXX  XXXX  XXXX. I had XXXX XXXX XXXX through the XXXX XXXX XXXX. Being as it was the annual the insurance is supposed to cover it. I received an XXXX showing no patient responsibility, then a second one showing patient responsibility for {$150.00}. A series of back and forth seem to have occurred between the doctors office and XXXX. I then received a bill from the doctors dated XX/XX/XXXX for {$100.00}, then a new bill dated XX/XX/XXXX revised to {$50.00}. Subsequent bills dated XX/XX/XXXX and XX/XX/XXXX came for {$50.00}. 
Finally an undated letter from Eastern Account of Connecticut, a debt collector stating they are trying to collect. 
First as stated this was an annual medical exam which is fully covered under the XXXX. Second it is clear that the insurers have neglected to pay the doctors who have decided to get the money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a potential victim of the Equifax leak. My information including my name, Social Security number, birth date, address and drivers license numbers ... possibly also my Credit card number.
Product: Debt or credit management

I enrolled in FDR XX/XX/XXXXXXXX  and have sent them a total of {$7300.00}. I enrolled two cards, with the balance of both card totaling {$29000.00}. I was originally told we would be done paying in XXXX and now it states XXXX. I first got a settlement offer on my XXXX XXXX XXXX which I authorized had been making monthly payments on it for what I thought was the last year. However I noticed today when I accepted the settlement for my discover card it was no longer under as being paid on and it was still pending. So of course I call them. They told me I had missed one biweekly payment a few months back and they cancelled the settlement ( which they never made me aware the settlement was cancelled and I was paying toward nothing ). Okay so I asked where did the {$7300.00} I sent you the past year go. They then told me $ XXXX went to their fees and $ XXXX went to the credit card. I asked if the settlement was cancelled where is the XXXX XXXX and they told me the creditor has the right to keep it and cancel future monthly payments and that they need to renegotiate. I then asked to cancel and they told me I need to call back later and they cant do it now. So because I missed one biweekly payment the entire settlement was cancelled? But they had enough to collect XXXX XXXX of fees? I would like the XXXX XXXX of fees back since the settlement did not go through nor was I made aware it was cancelled. All communication from this company was unclear and shady. I contacted XXXX XXXX to verify they received XXXX XXXX from me and they stated they did not recieve XXXX XXXX as FDR said they did they only received {$2100.00}, meaning out of the {$7300.00} they pocketed {$5100.00} for a service they didnt even provide and were completely deceptive about! I will be seeking a {$5100.00} refund of the fees as they were charged to me for a settlement that was cancelled without my knowledge. 

Also when I called I had {$550.00} in my account balance and they refused to refund it because they were going to keep it for fees.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX PM I enabled a 2 % off promo in Cash App to be used with my card, I went through the app as it has you checkout on XXXX through app to get the discount, after placing my order on XXXX from inside the Cash App app I noticed the 2 % off boost was not showing up on the transaction despite having done the checkout in app just like it said to do. Their was no fine print besides this Expires in 8 days 2 % off each XXXX purchase, Min. Purchase of {$1.00} Max discount {$50.00} valid once every hour shop in cash app to redeem the transaction was done in app as it stated and it was for {$39.00} totally meeting the requirements. I contacted support to which they told me this exactly - Category Boosts can only be used at stores that sell items from specific categories. For example, the Grocery Store BoosXXXX can only be used at grocery stores. While XXXX does sell groceries, the Grocery Store Boost wouldn't work since they're more than a grocery store. I know it's frustrating that there isn't more I can do to help in this situation. Please let me know if you have any other questions I can help with. 

The response makes no sense as Im not using a Grocery store boost at XXXX Im literally using the XXXX boost at XXXX through the app like they state you have to. 

This is deceitful advertising and luckily this transaction was small but what if it was larger? I believe I am still entitled to this promo as it was advertised and not delivered support refuses to provide anything but that copy paste generic response. 

I have attached screen shots of the promo, the charge showing no boost, the overview showing how charges look when a boost is applied and the screen recording showing me going through the purchase
Product: Mortgage

About 6 months ago I started the process to request a PMI waiver for my mortgage having followed the process outlined by Flagstar Bank. This consisted of the application and then paying around {$500.00} for an appraisal which I did. Once the appraisal was completed, I received a letter and notification that the modification wouldn't be granted because the home didn't appraise for a high enough value. I then asked for my options around disputing and was told to send in 3-5 comps of comparable homes in my area and they would review. During this time, I also saw that the home was appraised based on it being a 4 bedroom 3 bath and my home is 5 bedroom 3.5 bath. I also called in to dispute this and was told that the county had the home listed as such and that I needed to contact the county to correct this. I did this and per Flagstar, just needed to send them in new documentation provided by the county which listed my home as a 5 bedroom 3.5 bath. Flagstar told me that it would take up to 21 days for a review of the dispute and I called after this time and received the runaround and inconsistent information from their employees. The last person I spoke with early XXXX was extremely unprofessional and harsh and told me the decision was final and nothing further would be done. I would like to submit this claim based on the aforementioned items as Flagstar has treated me as a customer unfairly in these business proceedings. I have done everything requested of them and to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the XXXX on XX/XX/2018 in regards to Caliber homes reporting inaccurate information on my XXXX credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. Caliber home loans say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND EXXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeat item from previous Complaint XXXX ( opened XX/XX/XXXX ). I submitted my identity evidence and account info in that complaint. 

Equifax did NOT restore my XXXX Credit Card account, as I requested in the above Complaint. Per a discussion I had with XXXX, they did a soft inquiry showing that Equifax had suspended this account. This action was taken WITHOUT my knowledge or consent. I have all the written dispute letters sent to Equifax, and at no time did I ever request this. Equifax 's action has caused removal of this account from ALL the credit bureaus, not just Equifax. 

XXXX said that they can not restore this account- they stated that ONLY Equifax can do this. 

I opened this credit card account in XXXX and it is still active. Because it has NEVER been late or delinquent, the removal of this account already has negatively impacted my credit rating and will years into the future. Therefore, this must be immediately corrected.
Product: Student loan

Good afternoon! 

I am an XXXX XXXX Service Member in the XXXX XXXX. I have paid my student loans for approximately 12 years and have never once missed a payment. I deal directly with XXXX XXXX for my student loans. I started making qualified loan payments towards the Public Service Loan Forgiveness Program in XXXX. For the next four years I submitted the annual employment certification form documenting my military service and continued to make payments under the standard re-payments plan. I sent emails to XXXX XXXX a couple times a year asking for a cumulative report of payments I made so that I could verify they were tracking what I was. Never once did I receive a reply. In XXXX, after graduate school, I received a letter stating I needed to be in a particular repayment program to qualify and everything up until that point would not qualify. Never once in four plus years did XXXX XXXX send me a letter, an email or a phone call to tell me this information even though they were processing my employment verification letters annually while ignoring my emails asking for verification. Further conversations with XXXX XXXX have yielded zero results and extremely poor customer service with them stating there is no way to appeal or rectify the fact that I was misled for four years about my repayment. Had XXXX XXXX   informed me in a timely manner then I could have years worth of qualifying payments towards PSLF and be close to applying for forgiveness. The plan set forth by congress fixed the issue for those whom already made the 120 payments but did nothing to help fix the underlying issues in which I, and many others, find ourselves today. Nothing has changed at XXXX XXXX. They are still as immoral and unethical as they were since the first day I did any business with them. I thank you tremendously for your time and attention in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed with XXXX XXXX as a charge-off, with a credit limit of {$750.00}, but it's listed as being charged off in XX/XX/XXXX, even though there are no balances listed for XXXX at all and a last payment listed of XX/XX/XXXX with pays as agreed status through XX/XX/XXXX. The claimed balance is {$1000.00}, even though there is a listed limit of {$750.00}. I've requested this be corrected to remove the charge off status and late payments, as the last correct information is my full payment on XX/XX/XXXX, but no one from any of the XXXX credit bureaus or XXXX XXXX has helped at all. Please have this negative information removed expeditiously.