23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX we purchased a {$50.00} Amex prepaid gift card. It states it can be used at any merchant online and in person, who accepts American express. Except we can't use the card online anywhere. Its declined every place we try to use it. So far I have tried XXXX website, adding it to my XXXX account, and XXXX, and it is declined each time. However each merchant takes a 10 cent transaction fee off the card when I try to use it. 

I have spoken to customer service at Amex both yesterday on the XXXX and today on the XXXX. The first rep said he was emailing XXXX to assure them the card was valid. XXXX laughed about that and said that is absurd and would not ever be something they accept. 

Today, I called back and a rep named XXXX told me that I actually am NOT able to use the card online because of security protection that Amex uses to make sure my money is safe. It's so safe that no merchants won't take the money on websites. We can only use it in person. 

This obviously doesn't make sense so we asked for a supervisor and she said that we can not use the card at ALL at any of the merchants I have tried, even in person. She says the same thing about the card protection being so good for our safety that we just can not use it online because all the online merchants aren't able to bypass these incredible safety measures. And that even in person we can't use the card at these merchants now so we must go in person and find a different company and we can use the card there! 

This is not a solution, we purchased this card specifically with the intent to purchase cat food on XXXX website. We can't get a refund at the store we bought the card from, it's been XXXX hours since our cats ate, we can't order XXXX, we can't add the card as a payment method to XXXX or XXXX or any other financial institutions to bypass this " amazing security '' and none of the merchants we can't get to sell cat food or we would have just gone in person and paid cash in the first place! We wouldn't have wasted {$5.00} to buy a prepaid card if we could just go to a store by us and get cat food! We're XXXX, and XXXX XXXX XXXX and the closest store is over 3 miles away if we tried to walk and it's almost 100 degrees outside. 

I am highly upset, this is absolutely ridiculous and I will make sure to never use Amex again. I have NEVER had a problem like this with a prepaid XXXX or XXXX, and I would have just bought one of those but they didn't have any {$50.00} ones when I went to the store yesterday! This is ridiculous!
Product: Credit card

On XXXX XXXX, I applied for an American Express credit card because I was told that I was pre approved and approval odds were fair but when I applied I was denied.
Product: Checking or savings account

Hello, someone fraudulently opened a savings account under my name and deposited 2 checks in my account and Ive been getting punished for it ever since. Truist is refusing to release me my funds from the account until the fraudulent checks return. Mind you this issue has been on going for 3 months and I cant access none of my money that has NOTHING to do with those fraudulent checks. Ive been getting direct deposits into my Truist checking account for 7-8 months now and they are refusing to give me my money can someone help me Im unable to pay my bills this is my only bank account and Im being treated unfairly and Truist is doing little to nothing to help
Product: Checking or savings account

I tried calling capital one yesterday to reach a resolution regarding getting my direct deposit. There was no solution given other than to wait. Attempted to move my savings into another account XX/XX/year> and was unable and capital one is blocking these transactions. And now when you call they are hanging up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I signed up for Experian CreditWorks Premium product to improve my credit score as I was trying to refinance my house.

I have been following Experian 's guidelines and filled in Experian Boost details to improve my credit scores to " Good '' range, which is defined as 670 - 739 range. 
On XX/XX/XXXX Experian reported to me that my credit score is over 700 ( Good range ) and I applied for refinance loan, however my application was denied, the loan issuer said that my credit score was too low, below 700 ( they would not provide exact details ) I demand return of my membership fee since Experian lied to me and reported different score to vendor.
Product: Debt collection

I recently obtained a copy of my credit report and found inaccurate information.
Product: Debt collection

This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment.
Product: Debt collection

XXXX  wrote and said this debt valid with no proof or validation they have not investigated this debt or proved it's validity.
Product: Checking or savings account

I paid my XXXX 's credit card on XXXX XXXX through Bank of America, the total amount is $ XXXXDuring XXXX, I check my checking account and found this transaction, the description writes : XXXX XXXX . So I went to branch and ask them to check what was the transaction. They told me it was a ATM withdraw, means someone took money from XXXX XXXX  ATM. I then reported Fraud transaction. And on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill.Then I understood, XXXX 's and XXXX XXXX are the samXXXX thing. So I told Bank of America, everything was clear and the transaction had no problem and they closed my claim. but later XXXX 'S put the credit back to my bill and asked me to pay for it. I contacted XXXX 's and told them I already paid the credit during XXXX, and fax them the documents from my Bank of america account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
I contacted Bank of America, I told them the situation and asked them : 1 ) return the money to my account, then I will pay XXXX 's again. or 2 ) find out my money! their response is they didn't get the money back from XXXX XXXX and maybe it was hold in VISA CREDIT CARD CO.I asked them to find out my money, cause I am their customer. They said they can't help with that. 
I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of Bank of America
Product: Debt collection

I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX balance- 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. 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 a 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. My rights have been violated and I need them to remove this account asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX # XXXX 2. XXXX/XXXX  XXXX # XXXX 3. XXXX XXXX XXXX/XXXX # XXXX 4. XXXX XXXX XXXX/XXXX  # XXXX 5.XXXX XXXX  XXXX/XXXX # XXXX 6. XXXX XXXX XXXX/XXXX # XXXX 7. XXXX  XXXX   XXXX/XXXX # XXXX 8. XXXX  XXXX XXXX/XXXX # XXXX 9.XXXX XXXX XXXX/XXXX # XXXX 10. XXXX XXXX XXXX/XXXX # XXXX 11. XXXX XXXX   XXXX/XXXX # XXXX 12. XXXX XXXX XXXX # XXXX 13. XXXX XXXX XXXX # XXXX 14. XXXX/XXXX # XXXX 15. Chapter XXXX Bankruptcy # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

No or around XX/XX/XXXX. I contacted XXXX costumer service or what I thought was XXXX customer service. After explaining the reason for my call I was Transferred to a supervisor, and was told there was suspicious activity and my account. And to rule me out the need to verify my IP address. By creating a dummy account ; in which to trace the fraudulent accounts. I was instructed to send funds through XXXX in the amount of {$1400.00}, {$1500.00}, {$500.00} and {$1900.00}. The {$1900.00} I tried to cancel but was unable to do so. The funds was sent to a XXXX. Which I thought was to track and verify my IP address. And the transactions would be reversed. I was advised to act knowledge and verify each transaction so I did. I explained all this to Bank Of America, on the XXXX. Of XXXX. When I filled a claim. I do not know anyone name XXXX. And this was an way to trace the false accounts by XXXX.
Product: Credit card or prepaid card

I have been submitting disputes for this charge to be removed but the fraud is still reflecting on my credit account.
Product: Student loan

My loan was held by Sallie Mae and I was able to make payments online using XXXX. This was useful because I lived overseas and did not have a US bank account. Navient then got rid of the online payment option and would not allow me to pay with a credit card. I had multiple conversations with Navient employees where I tried to explain my situation. They were never helpful. I asked if I could make one yearly payment ( to save on bank fees ) or when I needed a deferment to explain that I couldn't prove unemployment using their forms but had equivalent documentation which I sent. On each ocassion, the Navient employees, while polite, were unable, or unwilling to help. Eventually the loan was referred to a collections agency which has only been slightly better. I had the distinct impression that Navient were not interested in my particular circumstances or even in getting payment. Their inflexibility and lack of customer service made it very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion investigation XXXX account XXXX XXXX account was verified. I never asked for verification if the account belonged to me. I will like the method of verification used to verify the account. Also this account is a charge off The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 
15 USC 1681 5-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

15 U.S. Code 5 1681s-2 ( ) DUTY oF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors
Product: Checking or savings account

I am writing on dispute a fraudulent charge on my debit account in the amount of XXXX XXXX__. I am a victim of identity theft, and I did not make this charge I am requested my chase bank that the charge should be removed or the debit reinstated, that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
I spoke to 3 supervisor but they put me under pressure since I suffer from XXXX from my XXXX I can not remember everything they denied my claim and theyre not cooperating with me all the age and taking advantage of my mental health issue to cover their bank not to pay me. I am seeking for help. 

Thank you! 

Sincerely XXXX
Product: Vehicle loan or lease

Due to COVID 19, I was out of work from XXXX XXXX mid XX/XX/2020, I called the GM financial and made them aware they delayed my payment by two months. I received a notice in XXXX that my account was past due, I called as if I could get another extension and was advised that they only extend by two months. Unfortunately, I was not at work and couldn't pay it. Now it is XXXX and I'm behind almost 30 days because they never granted the extension or acknowledged that people can still be out of work do to this pandemic. I called a few times to no avail. I even put in a complaint with the XXXX XXXX XXXX where GM financial sent me a copy of my agreement, which I am well aware of!
Product: Credit card or prepaid card

On three different occasions, funds were transferred out of my account and into another person 's bank account. I did not authorize transfers. The first two times this occurred, Bank of America provided me with a provisional credit in two weeks. When the third transfer of {$1100.00} occurred on XX/XX/2021, I reported the incident to a supervisor at BofA who informed me that he would request an expedited investigation and provisional credit, due to hardship. He listed the hardship as follows : I had {$0.00} in my BofA account and less than {$100.00} in my XXXX XXXX account, I got into a car accident that day and my car was totaled, I am unable to work due to a XXXX, and I have no source of income. The supervisor, XXXX XXXX, also indicated he would file a complaint as he felt BofA had not handled the fraud well from the beginning ; he said that more should have been done to secure my account to prevent additional fraud. XXXX XXXX suggested I call back in a few days to get a status update. I called back on XX/XX/2021 and learned that XXXX XXXX had not submitted notes to request an expedited investigation and XXXX credit. The supervisor I spoke to on XX/XX/2021 submitted a request for an expedited investigation and provisional credit. I contacted BofA on the following dates to follow-up on the fraud investigation and provisional credit : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021, supervisor, XXXX from Louisiana, informed me that I had been misinformed by all others I spoke to. She said that provisional credits can not be requested for XXXX  ( XXXX recipients ), and I should not have been told that there was a possibility of receiving a provisional credit. XXXX made notes of the contacts I had with BofA representatives and supervisors, the history of fraud and my hardship case, and escalated the notes to the fraud investigations department and Bank of America corporate office. To date, XX/XX/2021, I have not received any communication from BofA, and have not received a provisional credit to my account.
Product: Debt collection

I have never talked to this group physically before I witnessed the east point recovery group contact my mother and discussed my debt without asking for any proper verification of identity. I have been contacting them to get information on the debt but have no been successful. They are contacting the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was admitted by XXXX XXXX ( XXXX XXXX XXXX ). I am still studying in XXXX XXXX ( Arizona State UniversityXXXX XXXX ( next the White House and the XXXX XXXX in XXXX DC as first XXXX American veteran ), President Joe Biden ordered DOE and Edfinance not to include student loan in credit report due to COVID pandemic situation. 

President Biden, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through executive order or legislation. 

Edfinance company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.
Product: Credit reporting

Equifax has not updated my credit report since XXXX/XXXX/XXXX. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX, XXXX to request that they update my credit report. To this date the low score remains the same. I have paid my bills on time little before XXXX XXXX and been on time since then. XXXX and XXXX have updated their records with a higher score ; however, Equifax remains the same low score ( no change ). No update from Equifax only a generic letter with comments that scores are based on credit history. I understand that each Credit Agencies are different but there are duplication and old dates on Equifax credit report that needs correcting. I wish their people would take the time to go through the credit report instead of sending a generic letter of laziness. All XXXX credit reporting agencies has the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor have I listed at these addresses. Please remove them.
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 XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXXXXXX XXXX  Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit card or prepaid card

I was booking airline tickets through chase travel. Chase travel advertises two fare classes, 1. business and 2. business flexible. The difference they advertise is that if you pay more for business flexible than your ticket is refundable. I spent over an hour on the phone clarifying this when booking the tickets in XXXX. This is false and misleading advertising as today I find out my tickets are not in fact refundable and now I have to jump through hoops with Chase to even get the fare difference back. I am astonished a card like chase is misleading customers this way but I guess we exist with capitalism.
Product: Money transfer, virtual currency, or money service

Someone reached out to me for the room I am renting. She sent me a cashier check worth {$4800.00}. However, when I received the check she sent me, I have rented the place to someone else. After I told her what happened, she asked me to deposit the check and XXXX the amount to her new landlord. I deposited the check at BOA mobile app and got the money on the next day. So I XXXX the money. A couple days later, The cashier check bounced back as it's a fake check.