23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 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.

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: Checking or savings account

I canceled my digit.co account in XXXX but they have continued withdrawing funds from my account. I contacted them to make sure I didn't have a second account, and they said the account holder 's information did not match the information on my drivers license and bank account statement. My wife does not have a digit account either. They then refused to work with me to prevent the continued theft of funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and Equifax each month. 

I also sent a letter to Equifax and XXXX notifying them that the information is inaccurate and requested that it be removed.
Product: Credit reporting or other personal consumer reports

First American XXXX XX/XX/XXXX XXXX Credit XX/XX/XXXX XXXX XXXX Neighbor XX/XX/XXXX FD/Crosscountrymortgage XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Late 30 Days on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm having a serious problem with Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. In XXXX XXXX I purchased a automobile from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, VA XXXX in XXXX XXXX, my car payments come directly out of my bank account, I never been late nor missed a payment. Now there 's a problem. I called all three credit bureaus, XXXX, XXXX  and XXXX, to find out have Bridgecrest called the credit bureaus to update my credit history, Bridgecrest have not called the credit bureaus. I have been paying on a automobile from XXXX for 14 months and have not to update my credit history. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your report. I called XXXX several times, same results, Bridgecrest Acceptance Corporation does not show on your credit report. Now I called XXXX several times, different results but very alarming. Bridgecrest show up in my XXXX credit report. Now I called Bridgecrest a dozen times, to let them know that they 're not showing up in my credit report and that they have not been calling the credit bureaus to update my credit history, they keep telling me that they have been calling, well I let them know that I have talked with all three credit bureaus and they do not show up in my credit report, so a Bridgecrest representative and the manager of the credit department kept telling me to just call the credit bureaus back and ask for the supervisor, for XXXX and XXXX, not only that for some odd reason a Bridgecrest representative kept asking me to mail them my credit that I recently received in the mail. Now for XXXX, I was told by Bridgecrest credit department and more than one customer service representative, that they have not been reporting and up dating my credit history to XXXX, the reason being because XXXX have a block or lock protecting my credit report, I have to call XXXX to ask them to remove that block or lock, that 's the reason why they have not been calling XXXX to update my credit history.? So if Bridgecrest admitted that they never called XXXX to update my credit history, so how 's Bridgecrest showing up on my credit report if they never called XXXX and how XXXX getting these monthly updates? For some odd reason Bridgecrest Acceptance Corporation are avoiding and evading to call XXXX, XXXX and XXXX to update my credit history. They refuse to call the credit bureaus, why? There in violation of the Fair Credit Reporting Act. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXXXXXX ). XXXX
Product: Debt collection

I RECEIVED A LETTER AND PHONE CALLS FROM A COLLECTION AGENCY RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX I CANCELED MY XXXX PHONE SERVICE BY PHONE AND TOLD THEM TO CANCEL MY PHONE SERVICE AS OF XX/XX/2022 BECAUSE MY HOME WAS XXXX XXXX XXXX ON THAT DATE NOW I RECEIVE A BILL FROM THE COLLECTION AGENCY THAT I OWE FOR XXXX, XXXX, AND XXXX OF XXXXWHEN I DID NOT OWN THE HOME AND SERVICE WAS SUPPOSED TO BE DISCONNECTED AS OF END OF XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX to XXXX, XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to fraudulent investment firm ( s ). 

I want to emphasize the fact that the recipient 's account was also with the Chase bank, which means the scam was happening right under the Chase 's roof and they allowed the fraud to be perpetrated within their system.
Product: Credit card or prepaid card

Capital One says that I owe them {$100.00} for a platinun membership to XXXX. I do not have such a membership. I am XXXX yrs, old and my wife is XXXX - we do not buy on line. I have talked to the Capital One credit card reps. many times - nothing happens. They keep sending me a bill and now with stuff they have added - the bill is over {$200.00}. They have called my home over 50 times - no one answers when I pick up the phone. They seem to be trying to drive me nuts. Please get these people off my back. I have excellent credit. I have a XXXX and XXXX XXXX XXXX - and have never failed to pay them in full each month - I pay no interest or late charges. I am not paying XXXX XXXX - I owe them nothing!
Product: Credit card

I am writing to assert a formal Complaint against American Express and XXXX. I have spent hours attempting to obtain a refund from XXXX 's and American Express for a defective pet hair dryer. Clearly, XXXX 's practices violates the mandates of the CFPB, State law and federal law. Moreover, American Express refuses to eliminate this charge from my credit card balance and simply sends form letters with no value or substance, other than issuing a partial credit. Specifically, American Express has refused to honor their warranty provisions of their credit card Agreement in connection with my purchase of a XXXX XXXX XXXX. First, the XXXX XXXX XXXX was supposed to provide some level of warmth to the air it emits. In fact, according to ( the manufacturer 's ) marketing material on the XXXX, they represent : Great XXXX for small and large dogs XXXX speeds, XXXX temperatures 1. XXXX TEMPERATURES In the case of the subject XXXX, there were not XXXX temperatures. There was XXXX and it was room temperature, even after XXXX hour of operation, which was more than adequate for the unit 's motor to generate heat. Second, while safety of the pet is of paramount concern, it would be redundant for the XXXX to have " XXXX temperatures '' if XXXX of the temperatures was not, at some point in operation, warmer than the other. This representation was materially false. 

2. XXXX The XXXX was represented to be a " XXXX '' in the advertising materials, meaning that a " XXXX '' generates blown air and velocity and a " XXXX '' does just that .... it dries. However, since the subject XXXX was defective and would not warm to any level beyond room temperature, it would not function as a " XXXX, '' as represented. This was a material misrepresentation under UCC Section 2-315, the Uniform Consumer Credit Code and applicable State and Federal law. 

3. SIZE OF THE DOG AND SIZE OF THE XXXX In Groomer 's and XXXX XXXX XXXX 's marketing materials, the unit was supposed to be a " great XXXX for " small and large dogs. '' The dogs on whom the unit was used were small to medium sized, XXXX at XXXX pounds and XXXX at XXXX pounds. Neither have long hair. 
This unit would have been ineffective on the smallest of dogs. 
RETURN POLICY : XXXX 's has referenced a " return '' policy. This policy presupposes that they did not sell a defective product. XXXX 's Mall did sell a defective product and relying upon a self-serving return policy will not exonerate XXXX 's Mall or XXXX XXXX XXXX from violating federal or state law. 

It is my expectation that I receive a full and immediate credit on my American Express within 5 days of the date of this complaint. In addition, I recommend that the CFPB further investigate XXXX 's practices based upon their false advertising and illegal business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

I paid my Macys credit card in full on XX/XX/year> in the amount of {$1000.00} USING THEIR APP to pay my ACCOUNT IN FULL. I have proved the money was taking out of my bank account on XX/XX/XXXX. Macys is trying to say that I owe interest. Since I paid the bill in full, I had not received any bills from Macys, but I did receive collection calls, which made me research why they were calling me. I found that they tried to assess me a fraudulent finance charge and then when they didnt receive the money, they charged me a late fee of {$40.00} for the month of XXXX and because I didnt recognize this until XXXX. They also charged me another late fee in XXXX. My paid in full bill in XXXX using their app now is about {$87.00} all of which I do not owe. Macys is using predatory practices, thinking the general public is not aware of how finance charges work. I work in the financial field and XXXX very aware of how XXXX charges work and when you pay a bill in full before its due date or its due date it is considered paid in full and there are no interest fees or late fees assessed. Macys has done this XXXX other time to me when I used my card because they dont like people paying their bill in full. They dont make money from that and I am XXXX step away from canceling this credit card. Ive had for more than 35 years. Please research this with the company for me because they do not want to talk or hear from consumers and I believe theyre using Citibank as their credit card company now which I will never own a Citibank credit card because of this.
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 XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing concern regarding the delay in the removal of unknown inquiries from your platform. As a frequent user of your service, I have noticed a disturbing trend wherein unidentified and potentially malicious inquiries remain unresolved for extended periods, posing a significant risk to both users and the integrity of your platform. 

Despite diligent efforts on my part to promptly report these unknown inquiries, I have encountered frustrating delays in their removal. This lack of swift action not only undermines the reliability of your platform but also exposes users to potential security threats and privacy breaches. 

Unknown inquiries can range from spam messages to suspicious requests for personal information, and their presence on your platform poses serious risks to users ' safety and security. It is imperative that your company takes immediate and decisive action to address this issue and prioritize the timely removal of unknown inquiries to safeguard the well-being of your user base. 

I urge you to allocate additional resources to enhance the efficiency of your inquiry moderation processes and implement stricter measures to prevent unidentified or suspicious messages from reaching users ' inboxes. Providing users with clearer channels to report unknown inquiries and ensuring prompt responses to these reports are also crucial steps in addressing this issue. 

Failure to address these concerns promptly not only jeopardizes the trust of your user base but also exposes your company to potential legal and reputational repercussions. I implore you to take this matter seriously and prioritize the safety and security of your users by expediting the removal of unknown inquiries from your platform. I am asking for your assisstance to remove these unknown inquiries in my credit file : 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: Payday loan, title loan, or personal loan

I requested a personal loan for 100,000 thousand dollars from Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/2022. Personally, I have close to 300,000 dollars in a portfolio account with Wells Fargo. I requested the financial advisers/loan customer service representatives to speak XXXX since I feel more comfortable speaking my native tongue. All the details of the loan notes were written clearly by XXXX XXXX XXXX relationship banker of Wells Fargo Bank, XXXX XXXX. I believe a few days later, I was contacted by white financial advisers from Wells Fargo regarding my loan application, I requested to speak to a XXXX speaker representative/translator my request was denied. Again, the white financial advisers in condescending manner ask the same questions that XXXX XXXX XXXX ( relationship banker ) already explain in detail in his notes sent to the loan/financial adviser department. I told them I felt discriminated and I needed a XXXX speaker representative or translator and I was totally ignore. I open up an internal investigation with Wells Fargo regarding this issue and I told them I felt discriminated based on my race, ethnicity as well as language. On XX/XX/XXXX, a Wells Fargo representative called me that my personal loan was denied because of the amount and I told them how so if I have close to 300, 000 dollars in the account and Wells Fargo can use that as collateral/secured loan. I know I was discriminated for my race, ethnicity and language barrier and I want a full investigation in Wells Fargo practices towards mortgage, personal and business lending to XXXX individuals and other minorities period. I know deep in my heart if I would have been a XXXX  man asking for a personal loan for the same amount of money that I ask, I would have been approve in the spot. We are in the year 2022, but ethnic minorities like XXXX and XXXXAmericans continue to encounter open gestures of XXXX discrimination, denials of mortgage, personal and business loans even do we may have outstanding credit scores or portfolio accounts than a regular XXXX  person. I need this investigation to start asap and go to the highest levels, so other minorities do not have to go through what I went through. One thing for sure, Wells Fargo lost a loyal customer of over 20 years and I will tell my family members, friends and relatives to close their accounts in Wells Fargo and open them in banks that really value minorities as customers. It is imperative that these illegalXXXXdiscriminatory practices in mortgage, personal and business loans stop immediately at Wells Fargo towards minority groups such as XXXX and XXXX American customers. Also, I will definitely consider legal actions towards Wells Fargo, because enough is enough and wrong is wrong no matter who does it.
Product: Debt collection

I received multiple calls from people claiming to work for AmSher, from phone number XXXX. They requested sensitive information such as my address, DOB, and SSN because of a " problem with my account. '' My account does not exist. In attempting to probe them on this issue, they named off imaginary laws and became quite hostile towards me, before abruptly hanging up. I tried calling back a few times, and they immediately hang up after trying to find out what was going on.
Product: Checking or savings account

I had my car broken into while I was out on quick jog. My wallet was under my seat, but the theft broken my window of my car and snagged my wallet. While I was out on the run, they ran to and used my card at various places. I was able to get my funds back, except for with Square that has provided me with poor customer service. They have closed the case, even though it was still in the " investigative process. '' I have supplied them with a police report, documentation, photos, evidence, and approximate time that the theft used my Square card in person at XXXX and XXXX XXXX. They went to the store all within a matter a XXXX min and used whatever they could during that time, this shows and reflects on my account. As of right now, the fraud charges have ruled in " favor of the merchant. '' However, I couldn't get them to confirm or explain to me why it wasn't ruled in my favor. Unfortunately, I can not get them to confirm the police report # I sent month ago, as that claim has ended. The only way to communicate with them is via email and when I respond to that email thread, it said the case was closed due to a 2 week inactivity even though the Square representative told me that it can take up to 45 days for the review process of fraud charges. As of right now, I do not think they actually used the evidence I sent them and it was not represented well on my behalf. I am extremely disappointed in how Square is handling this and I believe that they are not following the legal process. 


Here is the email thread from before : Hello, Thanks for the email! Please see pictures attached of car break in! The two transactions that are fraudulent are : XXXX XXXX XXXX {$51.00} XXXX {$180.00} Please let me know when this information has been received and is being processed. As well as the timeline to get a refund on these items. 

XXXX XXXX sent on XX/XX/21 with photos attached, police reports, etc.
Product: Debt collection

AmSher Collections Services., INC is suing me for an alleged debt with reference # XXXX based on an alleged debt from XXXX, whose account they say is XXXX in the amount of {$490.00} and I don't recall any of this also I am receiving SSI Benefits. I don't get nothing but this demand with no contract showing my signature this is wrong.