23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had unauthorized charges on my Wells Fargo credit card so often that I had requested and had my card replaced 3-4 times in a 6 month period. In fact the last time I received a replacement Wells Fargo credit card, I did not activate the new card and still had unknown unauthorized charges applied. I told fraud people it had to be someone inside Wells Fargo. 
All those fraud claims I made and new cards issued, I believe caused Wells Fargo to increase my card interest rate.
Product: Credit card or prepaid card

I recently refi my home to pay off all my bills the closing lawyer contacted all the credit card companies to get the payoffs and the dates I then sent the checks with tracking numbers to state farm bank and it was a over payment of around XXXX dollars. State farm then charged a additional interest charge on top of the payoff amount they had given to the closing lawyer.
Product: Debt collection

I received a letter from XXXX and associates on XX/XX/XXXX  about a doctor bill that is past due. XXXXXXXX XXXX XXXXXXXX have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX  and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted XXXXXXXX XXXX XXXXXXXX and they refused to stop collection activity.
Product: Payday loan, title loan, or personal loan

I have requested a one main financial loan about 2 years ago, which Monthly installments have been paid on time since the loan was received. One main financial loan has been calling often to request information, even though the loan is being paid on time.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and | XXXX. 
financial loss, and I seek appropriate redress
Product: Debt collection

Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX. Company also has NO permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Section XXXX ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it XXXX not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, XXXX If the person does not specify such an address, the FCRA XXXX the person from reporting information to a CRA XXXX the furnisher knows or has reasonable cause to believe that the information is XXXX The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the XXXX Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to XXXX Accuracy means that the information the furnisher provides to a CRA correctly : Identifies XXXX appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the XXXX Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence XXXX which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of XXXX
Product: Credit reporting

I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items
Product: Prepaid card

I have unauthorized transactions on my {$200.00} Master Card pre-paid gift card. 
I have reported the problem to the card issuer but as of today, XX/XX/2016, have not received a positive response.
Product: Checking or savings account

hello- I had fraudulent activity on my bank accounts. I initially reported it through the XXXX number for my bank. The bank verified the deposit online. I was applying for a loan with a 3rd party. I did a 3 way call with the bank and the third party to verify my account and provide access. Mobile deposits that the bank deemed fraud were deposited to my account without my knowledge. When I noticed the first one I thought it was an ACH, then realized it was a check. I then called the bank and they went over the check stating that the routing and account number on the check were valid, since then those checks were returned to maker stating they were fraud. The bank has been uncooperative in my fraud claim and I have called numberous times over the course of 3 weeks to verify my account status. I was told my balance would be XXXX once they balanced my account, then I was told at a later date that acct was a negative XXXX. The bank has not provided me with any statements to verify what activity was mine and what was not mine. I initially reported the Fraud on XX/XX/XXXX to my bank, still now, they have not cooperated. I also called the police for the checks and there is an investigation. This uncooperation from the bank is impeding on my ability to recover funds from this fraud issue I am dealing with.
Product: Credit card

This a for XXXX XXXX card Account # XXXX. Due to XXXX days past due from me being hospitalized due to a neck injury XXXX XXXX restricted my card. My mom sent payments in manually to the mailing address for XXXX XXXX. I have never been late prior to my XXXX XXXX  in XXXX XXXX I had an exceptional payment history. I ask XXXXl XXXX as goodwill to reverse the XXXX late reporting and they refused even through I had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the XXXX days late reporting
Product: Mortgage

Missing {$3100.00} from escrow account. We paid property tax in cash to XXXX  on XX/XX/2020 before freedom mortgage did. After the XXXX received escrow check for freedom they sent the check back to freedom on XXXX/XXXXXXXX We provided property tax receipt to freedom. The money is still not showing in my escrow account after 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX XXXX in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, XXXX XXXX reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called XXXX XXXX a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$350.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I signed up for a XXXX promotion for Wells Fargo bank for a {$10.00} e gift card. See below and attached. I have been trying to obtain this gift card for 6 months now and no one can help me, not the local branch, nor the corporate customer service. In fact, the manager ( XXXX of XXXX, XXXX ) told me to file a complaint if I needed to ... ..so here I am. 

I met with the financial services rep, opened XXXX accounts ( which was n't a requirement ), was n't advised on the fees for those accounts and then terminated those accounts as a result of them not being forthcoming and honest about them. 


Wells Fargo Financial Appointment for {$10.00} e-Gift Card ( Participating locations in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) For anyone interested : XXXX 1. Take a moment to make an appointment that 's convenient for you ( offer code XXXX will be pre-filled for you ). 
2. Meet with a banker for a conversation about your financial priorities. 
3. After your appointment, you 'll get a {$10.00} eGift card that can be redeemed online at XXXX retailers. 

*To qualify for the {$10.00} eGift card ( offer code XXXX ), make an appointment online by XXXX XXXX, 2014. Appointments must be conducted in person at a Wells Fargo banking location by XXXX XXXX, 2014, to qualify for the offer. Limit one eGift card per customer. Offer is only available at participating Wells Fargo banking locations in XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Offer can not be combined with any other offer. No purchase necessary. Wells Fargo team members are not eligible. Gift card subject to terms and conditions of issuer.
Product: Debt collection

This student loan has reached its statute of limitation date open was XXXX/XXXX/2004. I would like for it to be moved to the satisfactory accounts on my credit report. And if not I need it removed and delete it from my credit report. It should not be reported under adverse accounts. The statute of limitations is seven years.
Product: Credit card

I. Bought phone from amazonI return the phone backUsing the Seller return packageThe seller denied the package 3 time according to XXXXThe package get lost afterChase bank dispute dept. Send me a laterTelling me I have to bay for itWhen I call a lady her name is XXXX told me that they did n't see the tracking number and they just find out they report this to the credit agancy calming that I 'm responsible for the amountNow almost 2 month trying with thisAll I get is we going to give a call backMy supervisor would like to inform youMy name. XXXX XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

I use this cash app card I have my direct deposit set up there to receive my XXXX benefits Last month when I received the {$1400.00} deposit it was available upon notification of the text alert This month It's not available or accessible to me after the same notification I am unable to get them to call me Back after request The only line of communication is via email they Do not respond to an email over 12 to 16 hours regarding financial matters So I just don't understand how they can be operating business financial matters This is a government certified fund.. Like this this is a certified fund And when I got the notice on Thursday at XXXX I emailed them I didn't get a response back until XXXX or XXXX XXXX And I've only gotten the same response since. no direct answer or specifics .. The only respond Im getting is generic that they can have it hold and pend for 5 days And I don't understand .. business days or 5 Regular days? Not to say it's acceptable but they're not giving any real good information They wont email and say more just they release money at the time that they receive it so I'm getting two different stories They said they give the money when they receive it but this clearly not happening in this case Here 's another issue I recently went to a club gave them my card and they billed me the wrong total I contacted the cash App group and email them the concern they Laid on that issue for 2 weeks to a month I finally got a Email communication and they told me to fill out the same information that I already had which was my complaint the date time and transaction detail so they push it out even longer From there I got an immediate response Advising me that the {$29.00} have been credited back I thought great this is over But Then And they proceeded apparently Cancel my card I didn't realize that until I was at the store a couple of days later and My card declined I put two and two together and assumed that because they finally addressed and resolved that issue of my Prior
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my Experian and XXXX Credit reports I did not authorize
Product: Bank account or service

Bank of Arizona N.A. made an unauthorized debit to my business savings account. The below message was on the account. I called and told them that there was no authorization for the debit and asked that they stop the transaction because it was still pending and it may be fraud. They refused to stop the transaction and the line went dead while I was on hold. 

Pending DEBIT ADJUSTMENT XXXX {$100000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It may concern. 

While looking at my Credit Report. I have noticed the following accounts had Major Discrepancies This Letter serves as a formal complaint that you are reporting inaccurate and incomplete Information on my Credit Report. 

XXXX XXXX XXXX Shows a Balance of XXXX  was Closed/Charged off in XXXX  but is still showing up Falsely? This should reflect A XXXX  Balance. THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account Status should show PAID And Payment status should state CURRENT! Please Delete ASAP Last Active in 2017 These ( CHARGE OFFS ) ARE REPORTING Payment History each Month which should NOT since the accounts have been either closed/charged off?? This is falsely Manipulating the Statute of Limitations which is a Major FCRA Violation!!

Because of this apparent neglect in assuring everything in my credit report is accurate, consistent, and up to date Please DELETE these Items Immediately!!

It is my understanding that under the FCRA 15 U.S.C 1681 ( i ) ( a ) every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely Deleted. 

By the Provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2Compliance regulations, I demand that these above-mentioned items be Actually Investigated and DELETED from my Report. 

I have reached out to XXXX and XXXX, and they have corrected my report. Due to Not being able to Verify the above accounts. So, I know for a FACT that you can not accurately do so? 

YOU ARE THE ONLY AGENCY THAT HAS IGNORED ALL MY PREVIOUS REQUESTS I ask that someone please fix my report, so All are reporting the same. I request that All of the above Items be DELETED on my Report... 

Thank you for your help in correcting these Items. 



XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Dept Of XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received dispute results from Experian about falsely created student loans in my name. On the dispute results Experian said that it verified that results of debt were accurate. I received a statement from XXXX XXXX stating that only two of the account numbers I submitted are legitimate and will continue to be reported on. Those two accounts are with Department of Education and are in good standing. The falsely created ones were created in XX/XX/XXXX. I'm also having to file charges against XXXX because of XXXX XXXX XXXX falsely created loans. There are two of these. I received a statement from XXXX XXXX XXXX that the two loans originated with them, but XXXX is the servicer. These loans were also created in XX/XX/XXXX. I  wasn't a student and didn't apply for any student loans in XX/XX/XXXX. Also on Experian dispute results there was a different social security number and several addresses that need to be removed.
Product: Credit reporting or other personal consumer reports

Please update by deleting all that has been uploaded to be accurate and true. I am trying to get my life and start business and I need you to please be compliant with all rules and regulations and be humane and considerate that this has effected my life greatly Im nearly XXXX XXXX XXXX  and have suffered hardships many years in my life due. To this and identity being taken
Product: Payday loan, title loan, or personal loan

This company 's offer was not clear. 

This account was opened in XX/XX/XXXX through a tire purchasing service. There was an offer to help build credit and finance for a tire purchase. The tire purchase totalled {$1000.00} with an early payoff period of 100 days. I was granted a standard credit limit of {$2000.00}. What they did not relay was they would charge a 200 % " leasing fee '' at the time of the purchase. It was relayed that it would be standard percentage finance fees up to 34 %. 

On XX/XX/XXXX I contacted to inquire why the balance was so high with such a significant amount being paid off. The total amount paid on the account as of XX/XX/XXXX is {$1400.00}. That's {$420.00} over the amount originally financed. 

The representative claimed that there was a " leasing fee '' of {$1900.00} on the account. They claim after the 100 day period they would discount the leasing fee by 55 % but capped my account discount at {$560.00} which is less than the 55 %. Then charged an additional sales tax of 6 % on top of the tires that was already charges sales tax for the total amount and the " leasing fee. '' The account has had a total amount paid {$1400.00}. When I called to figure out why the account has a balance of {$1100.00} when the total amount paid is far exceeding the total amount financed, it's this now called " leasing fee. '' When I said this was not explained that the rate at which we took for the purchase was a percentage like a standard loan was converted to a 200 % leasing fee. 

I did my research and I went ahead and took a look at the process with another individual and the business does not describe there is a 200 % lease fee, it shows as a standard purchasing loan process with a percentage of up to 34 % not 200 %. No one in their right mind would agree to a 200 % fee of what they were purchasing especially in an economy like we have. 

This is unethical practices in every capacity. It is misleading. I would not do business with this company again nor recommend anyone else do business with them. It is a requirement to fully disclose all fees, expenses associated with a loan of any kind. They are basically a loan shark.
Product: Checking or savings account

The evening of XX/XX/2021 I used a XXXX XXXX ATM to deposit cash I had taken out to buy a lawn mower private party, but the deal fell apart. Anyway I withdrew {$5000.00} that day and because I didnt buy the lawn mower I wanted to put the money back in my account as soon as possible. The ATM was # XXXX the time on the ATM receipt is XXXX. ATM location XXXX XXXX XXXX, XXXX WI. Ive used this ATM before because its less than a mile from my house and Ive used it to deposit cash before and as many as 40 bills as the machine advertises it can handle. I counted 40 XXXX bills and proceeded to deposit them in the ATM the ATM began counting the bills and once it got to 9 it stopped and presented an error message stating it would basically be not returning my deposit and that I should contact my financial institution for support. A little after this message presented itself on the screen the ATM printed a receipt and gave me my card back. For the next 4-5 minutes I sat there stunned listening to the ATM gears turning inside the machine and the ATM was unusable. Eventually the ATM became usable again so I decided to deposit the remaining {$1000.00}. This would allow me to check if my {$4000.00} was stuck in the deposit slot as well as confirm I deposited 40 XXXX bills and not 38 or 39. The second deposit went through without issues. This confirms I counted correctly and proves the first deposit had 40 bills. I have contacted BMO Harris bank and do have an open investigation with them, but this is ridiculous and I cant believe this can happen. If this happens to more people I want it documented.