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

On or about XX/XX/2022 I submitted three disputes in the amounts of {$200.00}, {$190.00}, and {$170.00} and change. After giving Cred.ai the allotted time frame of 10 days as stated in their terms and conditions regarding disputes I decided to call their Customer Support number as advised. They call this their " 24 hr emergency support line '' which is nothing of the sort, this hotline is simply 3rd party agents hired by Cred.ai taking your concerns and fwrding it to a dedicated team, which as a customer you have no real access to. These agents also state that they have no access to real account info as Cred.ai has limited their access to any account info which is a lie, as Ive called numerous of times and gotten info regarding my disputes, for example on XX/XX/XXXX I called in to ask about provisional credit expected and well over due. Agent stated that I would receive it the following day XX/XX/XXXX after XXXX XXXX which another rep confirmed on another occasion I called in after the credit never reached my available to spend. Following the 10days Ive been calling almost everyday for updates requesting call backs emails, something to keep me in the loop. No call backs emails pertaining to my request have been addressed. With out exaggeration Ive requested more than 20 follow ups. Fast Fwrd to XX/XX/XXXX I receive a denial email of 2 out 3 claims, which I believe Cred.ai had no real interest in properply assisting in the recovery of my funds. After receiving their denial email I immediately respond requesting to file an appeal as I did not and still do not agree with the outcome and the handling of my claim, additionally I request, to this day, 6 times for their supporting documents pertaining to their investigation as per their request they asked me to provide additional info to assist in the appeal. I find this difficult as I can not review or compare any info they might already have, more importantly the intake of my dispute. I feel Cred.ai has not been compliant wit Reg E or Z. It is to my understanding that that weather the outcome of my claim is in my favor or not Cred.ai must pay {$50.00} per claim in which the processes outline for Reg E and Z and as stated in their terms and conditions further more Cred.ai has been negligent in responding in timely manner or just responding in general as mentioned above I have requested supporting documents of their investigation and they have declined to provide me with as per their actions. Cred.ai should not be allowed to be in finance with such unethical behavior and should be healed to such standards such as others Im the financial industry. They should not be expect from following proper protocol and procedures
Product: Checking or savings account

Name XXXX XXXX Bank Institution : US Bank Account # XXXX Routing # XXXX SSN XXXX I contact US Bank in XXXX to advise of fraudulent activity to my checking account. 
They advise of sending me another card and would research and refund the fraud charges. I contacted them again after receiving the new card but the funds had not been returned. They advise about sending paperwork. Still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent off an dispute letter referencing inaccurate reporting & late payments to, XXXX, Transunion XXXX XXXX for a chance to correct their errors. I was never late on these accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy. I have never been late for the following accounts XXXX XXXXXXXX ( XXXX, Transunion & XXXX ) Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX XXXX ( XXXX, Transunion & XXXX XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX  XXXX ( XXXX, Transunion & XXXX XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit card or prepaid card

Discover Card issued me a card in XX/XX/XXXX. In XX/XX/XXXX it stopped working. They needed a IRS form submitted to verify my tax return. That was completed XX/XX/XXXX through XXXX Verification services. I was told 7-14 days to get it back. Then after that date came and went I was told 30 days. That date came and went. I was then told " we are having issues getting the forms back due to staffing ''. Okay so what next. Wait another 30 days. I have completed that. I called in today to be told we have " no idea when we will get this back and unfortunately without it we cant release your card for charging privileges until we do ''. They refuse to take a certified copy of the IRS transcript, they refuse to help in anyway. I find it ironic I can get a copy instantly on IRS website. My mortgage company got it in 72 hours when I recently bought a home. Yet my credit card is " frozen '' and they refuse to help me fix this.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgencyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I filed a complaint XX/XX/XXXX since the prepaid gift card sent to me wasn't working ( complaint XXXX ) and they said they would close the card and send me a refund check to my address within XXXX business days on XX/XX/XXXX. They closed the card but never sent the gift card amount to me in the mail. It's been XXXX business days, which is past when they said it would arrive so I'm assuming they stole the money and don't plan on sending me a check. 
I'd like a tracking code or proof of delivery because it never arrived since this company has a history of regular corporate greed and I don't believe they ever planned on sending the refund check.
Product: Credit reporting or other personal consumer reports

I am disputing two credit card accountsXXXX XXXX  ( {$5600.00} ) and XXXX  ( {$4100.00} ) that have been inaccurately reported on my credit report. Despite multiple disputes, the balances remain incorrect. I have received 1099-C forms for both accounts, indicating the debts were forgiven, and I have uploaded copies of these forms in previous disputes. The credit bureaus have failed to review the provided documentation and have solely relied on the creditors information, neglecting their duty to properly investigate. I request that these accounts be deleted from my credit report immediately due to this ongoing inaccurate reporting and failure to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Product: Mortgage

My name is XXXX XXXX, me and My wife XXXX XXXX went to see the XXXX  property located in XXXX, by XXXX XXXX XXXX, we met their agent XXXX XXXX on XX/XX/2021, we decided to apply for a House the only thing needed at that time was the pre-approval letter from a lender ( XXXX mortgage ) also we went with Homestar and got preapproved, We submitted the information, XXXX XXXX was already set with the information but insisted that we used their preferred lender, We waited for the property to reach out to us about the house and decided to apply with her preferred lender because she was stating that based on their relationship with the lender ( Homestar XXXX XXXX ) would give us preference which we already had an approval by the same office but a different branch, their prefer lender increase our rate twice We were waiting until XXXX the price and the building of the house were changed on XX/XX/XXXX they asked us to come to see the offer and sing the contract on such contract was requested the good faith deposit, now when we sat down with the XXXX XXXX XXXX, XXXX XXXX, she stated that because it was am FHA loan, if we decided to not close on the house we would not loose our XXXX money She asked me to do again the application with the Homestar and their mortgage went up to XXXX a month, I contacted XXXX XXXX about the situation and explained to her that we could not afford that rate, she said that it was fine but that we were Giving up on the Good faith deposit, she guaranteed us that the lot would be release she was making promises that we would get a house in that process their prefer lender increase the rate 3 times, decreased the amount I called the loan office to cancel the loan because of the payments, XXXX XXXX said that he would call them to notify about our decision, and to get our Good faith deposit, XXXX XXXX still pushing me to try with other lenders, or be ok with loosing the money, we could have locked the rate but we weren't sure of nothing with them now we are facing a situation of getting a unaffordable house or loose the deposit because this has been a nightmare for me and my family
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I REVIEWED A RECENT COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE FRAUDULENTLY OPENED AND REPORTING TO MYCREDIT REPORT AND IS NEEDING TO BE REMOVED IMMEDIATELY. AS I AM IN THE PROCESS OF TRYING TO PURCHASE A HOME AND THIS ISINCONVENIENTLY AFFECTING ME. I'VE ADDRESSED THESE ACCOUNTS BEFORE WITH BACK UP BUT CREDITORS ARE STILL ILLEGALLY REPORTING THESE ACCOUNTS. THEY'VE FAILED TO PROVIDE PHYSICAL PROOF OF THE ACCOUNTS AND THEREFORE PER THE FEDERAL LAW SHOULD BE REVMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Number : 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 XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c ( a ) ( 5 ) is a provision under the Fair Credit Reporting Act ( FCRA ) that specifies how long certain types of adverse information can be included on a consumer 's credit report. Here 's what it says : " ( 5 ) 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 ) Duty of Furnishers of Information 1 ) Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  formally  XXXX  had closed my account around  XXXX , this was done at my request. To my surprise, I attempted to open an account with  XXXX   XXXX   XXXX   XXXX  in  XXXX    XXXX   and was told that  XXXX   XXXX  was reporting an owed charge. I went to  XXXX   XXXX  and was told that when they were  XXXX , a merchant had charged my account for around {$120.00} despite me having cancelled the automatic withdrawal. Strange also was the fact that despite this 'charge ' I was allowed to close my account at that time without any issues so this was a big surprise several years later. Nevertheless, I paid the {$120.00} to  XXXX   XXXX  around  XXXX    XXXX  . I have been going back to  XXXX  ever since only to be consistently told that despite them seeing that  XXXX   XXXX  no longer says I owe anything, it is still showing up with Transunion. This is preventing me from opening an account with Transunion. Upon contacting Transunion, they keep saying it is cleared and 'they do not know ' why it is showing up. I think I have done all I can and do not know what more to do and it has been over 7 months.
Product: Student loan

As of XXXX XX/XX/year>, a wrongful forbearance status was put on my account without my knowledge and loan interests were accruing due to no communication about borrower defense status which have been granted in XX/XX/year>. 
Spoke to a representative at AidVantage student loan servicer to recalculate total loan amount I owed without incorrect and wrongful interest amounts of {$670.00} or more. They declined to do so, simply saying that forbearance on my account should have in taken off and should have requested repayment from me, but would not correct the interest amount put on my loan balance.
Product: Credit card

I had a Chase Freedom card. When I logged onto my account, it encouraged me to apply for the Chase Freedom Unlimited card. I researched the card and saw it has 0 % interest for 15 months and {$200.00} cash back if you spend x in y time period. I applied for the card. I was told they would reach out for more information to complete my application ( my credit was frozen ). The next day I received an email inviting me to apply for the card again. I took that to be their promised " reach back out for more information '' since I un-froze my credit. I was wrong, I submitted two applications. 

I called. They didn't need any application to convert my card to a Chase Freedom Unlimited card, they could do it over the phone. So my credit report got pulled for nothing. 

I verified the card benefits. The customer service rep was very encouraging that those are indeed the benefits. 

I just looked at my statement and did not see those benefits reflected. I just called Chase again and was told that offer does not apply to existing cardholders who are converting their card from the Freedom to the Freedom Unlimited. 

I am so incredibly outraged with Chase. I will be closing my account. This was incredibly deceptive and a violation of UDAAP and UDAP. My credit was dinged for nothing. And I was told I would get certain benefits that I did not actually qualify for - a bait and switch. Someone needs to fix Chase 's process to convert this card. I also would like reconciliation.
Product: Vehicle loan or lease

Making payments to a company that I don't have a legitimate contract with. This is confusing and misleading sale tactics. I'm trying to figure out who wrote the loan ACA or XXXX? This is a conflict of interest and the possibility of embezzlement. I should have received a contract from ACA explaining its terms and conditions. Is this a binding contract with the lean holder ACA OR XXXX? As a customer im confuse.
Product: Credit card

A card was taken out in my name I 've never applied for a credit card till recently and discovered this card on my credit report
Product: Prepaid card

Received the AMerican Express Gift card and could not use it anywhere, at a retail store or online
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, In my account with Circle, I verified my bank account information by sending them a domestic wire in the amount of XXXX US Dollars. This process was to add and verify my bank account to the Circle account. My bank details were verified. 

On XX/XX/2020, I have transferred in XXXX USDC Token to my Circle account. On the same day, I have redeemed XXXX USDC for XXXX US Dollars and initiated a domestic wire transfer to my bank account in the amount of XXXX US Dollars. 

I have contacted Circle support center and exchanged emails regarding this issue. XXXX from Circle support said that it takes some business days for funds to clear that I should wait. I waited, in the meantime, contacted my bank about the transfer. They did not see any incoming wires, again. My bank opened an investigation along with the intermediary bank to resolve this issue. They could not identify such a transfer made to my name with my bank account information. 

On XX/XX/XXXX is the last email I have received from Circle support stating that my case has been escalated to the treasury team. Today is XX/XX/XXXX. It has been 40 Days. I do not have my funds or a response from the company.
Product: Money transfer, virtual currency, or money service

Hello CFPB I am writing this message to let you know that on XXXX the XXXX XXXX  I was expecting to received a payment to my bank Account but I did not received any payment. The money was sent from Chase Bank ( USA ) to the account number I have with BBVA ( PERU ). I will attach the proof of transfer that was made to me from abroad so that you can help me. 

Looking forward to hearing from you soon, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of XXXX 's handling of disputes in light of cupboard lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens  ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the XXXX XXXX, XXXX, and Experian are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Product: Money transfer, virtual currency, or money service

A scammer advertised transferrable concert tickets via XXXX using a XXXX account. I authorized payment for the tickets on XX/XX/XXXX. After not receiving the ticket transfer and not being able to contact the scammer I realized it was fraudulent, I reached out to PNC Bank on XX/XX/XXXX to ask for recourse and provided the scammer 's XXXX. The bank 's response was that nothing could be done. I would like this investigated and an attempt to recoup the funds of {$110.00} from the fraudulent XXXX account. The name on the XXXX is XXXX XXXX and the XXXX # is XXXX
Product: Debt collection

I contacted this Debt Collection Agency cause they are reporting a collection of {$100.00} from a condo I used to live ( the apartment complex never contacted me about it and directly sent me to collections ) I spoke with XXXX XXXX, Collection Manager, by email and he agreed to do a courtesy delete of this information which is seriously damaging my credit if I paid the debt, I proceed to pay it but they didnt delete the information from my credit report, only change it to paid