23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX. 

XXXX placed XX/XX/XXXX with Klarna- this is an order that was split into 6 monthly payments. Each amount typically totaling to {$41.00}, but things are bound to change due to Klarna 's price manipulations. But besides that, there has been an issue with this order, the quality of the item not being up to par nor meeting the standards of authenticity. I reported the issues to Klarna. They said get in contact with the merchant while the installment was supposed to be paused by Klarna back in late XXXX. Efforts have been futile with both sides so I'm in a dilemma with not having a satisfactory order. I've also been getting alerts on the app that the payment is due on XX/XX/XXXX. Nonstop the order is due, the order is due. Etc etc. On top of that- for this order.. they said on the app that I owed XXXX. Now the price of what they claim I owe for this order is at {$79.00}?? It's all unacceptable & not the first nor last case with Klarna doing this to people. 

Order placed XX/XX/XXXX with Klarna - This is for a merchant I used a Klarna card with. The merchant ( XXXX XXXX XXXXXXXX ) sent me items that were far too small for a person of a tall and big build like mine. A handful of times I reached out to that merchant, without needing to be told the obvious thing to do. With no avail, I told that to Klarna and they told me to reach out to the merchant. Months later, it is the same thing. They claim to pause these orders but then decide to add new prices into the installments that were never agreed on nor has it even been warned about either. I've spoken to their specialists who have claimed to want to help but they have been no help at all, it's all like robotic-like responses. They tell me to provide them the information, I provide them the information. Several days go by after they supposedly review it, the dispute goes away and then they try to charge me again. No humanity on their parts at all. I've tried to ask for a manager too, or some higher up of their corporation but, instead a chat agent for their Klarna app, by the name of " XXXX '', decides to close the chat on me. They don't look to help, when hiccups come about with orders. Instead, they look to squeeze any kind of money they can from people, when issues come about- most especially when it falls on the merchant 's negligence of responding back and or them telling you to get in contact with the merchant, meanwhile they never tried to get in contact with the merchant themselves as well. 

The screenshots I attached are meant to show the discrepancies of what they're trying to charge me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the companies associated with these accounts, and they have acknowledged the fraudulent nature of these accounts. They have assured me that the accounts will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 



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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim to determination letter according to 1022.142 ( b ) ( 6 ). Please delete the following accounts. BALANCE : XXXX  {$4400.00} XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX {$170.00}
Product: Credit card or prepaid card

Request to reopen CFPB case # : XXXX ACCOUNT NUMBER : XXXX To : Chase Credit Card Dispute Team XXXX Fax XXXX XXXX & Chase Dispute escalation team - Fax XXXX Chase Claim # - XXXX, Chase Reference # : XXXX I disputing about the Chase claiming that Chase has transferred the {$5000.00} to XXXX XXXX  XXXX XX/XX/XXXX, and to the designated intended merchant XXXXLawoffice. This is not a billing error, it is about money transfer is lost, both the merchants bank - XXXX bank and the merchant declared that they never received the {$5000.00}. ( as shown by the attached letter from merchant is included below ). 
Therefore, I want the re-bill to be cancelled or undone, and the dispute case to be re-opened I request that the {$5000.00} be recalled back to Chase from whoever/wherever Chase has sent to? 
So that the {$5000.00} to be credited back to my credit card account. While both Chase and XXXX together needs to reconcile the loss of the {$5000.00} transfer. The {$5000.00} charge on my credit card to be on hold while this is being reconciled and do not close the dispute case. 

XXXX XXXX XXXX XXXX XXXX : XXXX _____________________________________________________________________ Email from merchant : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX Dear XXXX, The {$5000.00} that Chase claimed XXXXhat Chase has transferred out on XX/XX/XXXX to my merchants bank XXXX has never received, so I never received the {$5000.00} payment, as this has been mis-directed. 

It also does not make sense that Chase would send it to some 3rd party processing agent when XXXX itself is a processing agent. Chase should have sent the funds directly to XXXX, not some other intermediary processing agent. I think Chase sent the funds to the wrong place. 

XXXX tells me that Chase should be able to escalate this to a higher level and recall the {$5000.00} that never transferred properly to me, the merchant via my merchants bank XXXX. 


XXXX XXXX XXXX : XXXX
Product: Checking or savings account

I was getting off hang up Miss directed or solitary unknown transactions fine basically I want to go through or have you guys go through to see if he's okay
Product: Money transfer, virtual currency, or money service

I used Sendwave app to transfer XXXX USD to XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  account " XXXX '' in XXXX on XX/XX/2024, XXXX XXXX  EST from my XXXX  XXXX debit card. The app showed status that the funds were delivered to his account on same date. 

The recipient till date is yet to see the funds in his account. I complained about this issue to Sendwave customer support. I was asked to provide the recipient 's bank statement for the period. I provided the required statement, and allowed XXXX business days for Sendwave to resolve the issue.

On Friday, I contacted them via email to get an update, and the response was to show the same receipt I got when transaction was originally initiated. I asked recipient to check if funds eventually reflect in their bank, but no funds were received, and Sendwave is not showing any sign of resolving the issue. 

I am requesting a full refund of XXXX USD as soon as possible. Please use your good office to help me get this issue resolved. 

Thanks. 

Here is the company info : Sendwave | http : //sendwave.com XXXX XXXX XXXX XXXX dba Sendwave dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Sendwave Support : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, last payment, and term length? This is grounds for removal. They also violated my rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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.
Product: Money transfer, virtual currency, or money service

I an 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 and timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter Transunion, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have attempted to contact Selene Finance by email and phone regarding the confirmation of my homeowners insurance and to discuss my monthly payment. I was sent a letter on XX/XX/year> after attempting to contact Selene by phone and email for a month. The letter stated that my contact person is XXXX XXXX with a phone number of XXXX, without an extension. The phone number provided is a generic phone number without access to speaking to anyone. There is no way to contact customer service and speak to a live person, nor thru email. My issue is urgent regarding my homeowners insurance. I am unsure if there are any live agents. I need them to contact me asap as my homeowners insurance renewal is due in 2 weeks.
Product: Debt collection

They call me 4-6 times a day, every single day. Today, XX/XX/XXXX I have record of 4 and thats because they are still going to try and contacting me later. Yesterday, XX/XX/XXXX they called me 6 times and the day before, XX/XX/XXXX 6 times again. On going issue. 

I tried to resolve the issue about them closing my accounts for no reason- they claim they needed to verify my identity yet Ive had this account since XXXX and nothing of mine ever changed. Now Im stuck with debt that I cant pay all at once because they closed my accounts and now they keep harassing me every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in XX/XX/1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.
Product: Credit card

On XX/XX/2023, XXXX charged my American Express account and eventually shipped me an empty box, lying to Amex in the dispute process that they wouldve delivered a XXXX XXXX computer. I am still in possession of the sealed box as evidence, but Amex is unwilling to look at the clear evidence Im providing as a part of the dispute. Now Im being charged for something I have never received and Amex is not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the XXXX day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$350.00} ; XXXX  XXXX  XXXX Balance {$550.00} ; Original Creditor : XXXX XXXX Balance {$0.00} ; Original : XXXX Balance : {$140.00} ; Original : XXXX Balance : {$120.00} ; Original : XXXX Balance : {$470.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/2022
Product: Credit card or prepaid card

I am a cardholder with Discover. Recently I opened a dispute against a charge I have on my card for {$340.00} against a website that scammed me on XX/XX/2022. I ordered a product for this amount and never received what I ordered, and my dispute was denied because Discover said they could not contact the merchant, yet I stated many times that the merchant was a scam and the website from where I made my purchase was no longer up. The staff at Discover have been extremely rude and unhelpful saying that there is nothing that they can do about this issue. From the photos I will be attaching you will see my receipt for the product as well as how the order is still pending in my XXXX  application, which is an application used to track orders.
Product: Credit card or prepaid card

Synchrony Bank XXXX. XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone : ( XXXX ) XXXX Email : XXXX According our contractual agreement the consumer had to sign for furniture, although a tracking number was provided the web site did not give specifics on an actual date or time of delivery making it impossible for the consumer to be present. 

On Tuesday, XX/XX/2020, I received an email alert from XXXX XXXX XXXX, stating a shipment had been delivered. I immediately notified XXXX XXXX  XXXX XXXX I was denied an opportunity to be presence when the shipment arrived, asked who authorized receipt and signed accepting the delivery. 

XXXX XXXX  XXXX XXXX ( XXXX ) said she would reach out to their carrier and get back in touch. I waited and never received a follow-up/call-back. I also alerted XXXX XXXX XXXX XXXX that damages appeared on outside packages therefore, I would not take receipt to make arrangements to pick up the merchandise. 

On Thursday, XX/XX/2020, I placed another telephone call and was told XXXX XXXX, XXXX, obtain my signature, and XXXX XXXX XXXXXXXX XXXX had a copy of a sign invoice showing XXXX XXXX signed accepting delivery which was impossible because I was not in the area when the delivery was made. 

I requested a copy of the shipping invoice showing my signature and alerted XXXX XXXX XXXX XXXX this was a fraudulent transaction. I did not take receipt or signed for accepting the shipment and went a step further and ensured that nobody in my household took receipt signed a shipping invoice or authorized XXXX  XXXX XXXX to leave the shipment without my consent or signature. 

Instead of their customer service representative providing a copy of the requested shipping invoice he referred to me as a criminal, said due to my XXXX XXXX, if I took legal action no one would side with me on this issue, which was one of the most unprofessional things I ever heard out the mouth of an employee and so wrong I do not have any records other than legal success stories. 

I informed their employee that not only would my home surveillance show XXXX  XXXX XXXX, delivered damaged merchandise, it also reveals no signature was obtained the delivery carrier took a picture and left the premises in attempt to force the consumer to accept damage goods and make it the consumers responsibility to return said goods. 

I also informed your employee this was unacceptable on many levels, and had no problem with taking legal action against all parties involved in any fraudulent transactions or defamatory statements made during the course of doing business, to pick up their shipment, I am not accepting receipt due to the breach of contract/damages and it created barriers for my neighbors/family with disabilities. 

To date. I had not heard back from their organization in regards to this matter nor has a credit appeared on my account showing an adjustment for the charges. Synchrony Home was offered a chance to view video evidence and refused to accept this evidence and speed up the process enabling this fraduent practice to continue.