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

I applied for the XXXX XXXX XXXX XXXX Card back in XXXX or XX/XX/2023. I was originally sent a letter stating I needed to mail in front and back of my Drivers License, Social Security Card with signature and a current utility bill. The only option in the letter was to mail this information in. After spending money to buy an envelope and a stamp i sent the information in 2 weeks later. I received another email after asking for the same information again. There is no number contained on the letter to even call and talk to someone to understand why I would need to send the information back in. I XXXX  and found a number for a customer service department and was finally able to reach someone and was told my information was cut off and I would need to send it in again. I then asked if there was another method of delivery as I had already spent more money than expected buying a large envelope and stamps. I was provided a fax number as the only other option. Once I had access to a fax number I resent the information, probably 4 weeks after initial application. I had not heard a response and 2 weeks later I called in again and was told I needed to speak to someone in fraud department to clear the application. At no point did Barclay 's try to reach out to me to clear anything. I spent time on the phone where an associate called me on a separate line to ask me some security questions and clear my application. I was told that the application would be approved once another department finished clearing. I then waited another 2-3 weeks and called in again after not hearing anything about my application. I had to go through the fraud department calling me on a separate line again and me answering security questions. I was told my application was being approved and I would receive a card in the mail within 14 days. More than 2 weeks past and I had not received a card. I called in one final time and asked for a Manager. I was told they could not approve my application because it had been more than 90 days and my credit report had expired. This manager then offered me to apply again and told me they now have all of my documents on file. I then confirmed that would require pulling a new credit bureau report which could negatively impact my credit score for an error on their end. She did not offer any other alternatives other than going through the application process again.
Product: Credit reporting

I submitted my request for my free credit report online to Experian they did not make it available. They stated I could pay a dollar and get my FICO Score. After paying {$1.00} I did get a report with no FICO Score Membership ID XXXX, It states Credit Report Prepared for XXXX XXXX as of XXXX. I wanted to dispute XXXX account XXXX XXXX which I did not have in XXXX, Another Disputed account XXXX XXXX XXXX who I corrected with the help from your organization and should have been cleared it was closed. by XXXX XXXX to avoid litigation. Also I wanted to dispute XXXX from XXXX. 
All though this information came from them when I wanted my credit report they did not provide it nor the credit report number so I could dispute the above information. 
All of my information was confirmed to them current address, XXXX XXXX XXXX Address in XXXX, Telephone number ending in XXXX. 
All I want is my full Credit Report guaranteed by Law so I can see exactly what is being reported. They did get the extra dollar to tell me I do n't have a FICO score.
Product: Debt collection

I never was enrolled in the school, they are sending me emails William & Fudge Current Creditor : XXXX XXXX XXXX  Amount : {$9600.00} They have called numerous of times and I was also at one point threatened by one of their male employees XXXX XXXX XXXX XXXX Amount : {$2600.00} I talked to someone 2 years ago who told me that the account was overdrawn, but I have only had an account with XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cashapp 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I established a payment plan with Phoenix Financial Services for a debt that was owed to XXXX XXXX XXXX. My payments were set up to automatically withdraw from my checking account on the XXXX day of each month for 12 months. On XX/XX/XXXX, I received 2 calls from Phoenix Financial. I called them back and spoke with XXXX XXXX who asked me if I wanted to take care of my balance. I explained to her that I had set up a payment plan and she asks me if I want to set up a payment plan with her. I told her no I already had a payment plan set up. My first payment was taken out XXXX and I received a call from Phoenix Financial on XXXX and two additional calls XXXX. When I called back, I was transferred to XXXX XXXX who asked me if I wanted to set up a payment plan again and proceeds to ask me if I can pay the full balance. Why is this rep calling and asking me for the full balance when I have already set up a payment plan and you all have already taken a payment out of my account? And why does she keep asking me to set a payment plan up with her when I already have a payment plan established. You all need to stop calling me. At this point you are harassing me and it is unacceptable. I have set the payment plan up for what I can afford each month. I can not pay more than that. Please stop calling me.
Product: Money transfer, virtual currency, or money service

I recently joined Coinbase.com. I added my bank acct and purchased digital coin Litecoin. I bought XXXX as I 'm not rich but would still like to play this new market. Coinbase then in turn withdrew {$300.00}, twice from my acct. I can not get in touch with their customer service to no avail. I then called my bank and asked for help. My bank will try but I believe they will receive the same answer from customer service ... Silence ... .Please Help ... 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report ive noticed alot of invalid information. I am intrested in disputing my credit report with Equifax. this is he hindering my file and I can not move forward due to information being incorrect. please correct all the information requested so my credit can be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

i have contacted the credit bureau companies and trhey are simply ignoring my letters and calls from wrong addresses, jobs, names and i alos sent in these accounts and nothing.- 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, credit repair services, or other personal consumer reports

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXFILED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure that I selected the correct items for this complaint. I paid off my car loan with XXXX XXXX XXXX XXXX ( which was more that {$3000.00} ). Yet, my credit score was decreased 13 points and it was given that closing that account was the reason! Why would closing an auto loan account penalize and decrease my credit score?
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 
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
Product: Debt collection

I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below. 

I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX. 

A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement. 

I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some hard inquiries on my recent report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for an LL Bean Mastercard. My identity was stolen shortly after I opened the account. During this time, I made a purchase in the amount of {$62.00}. I never received a bill for this purchase. I closed the account shortly after the fraud occurred. 

I did not hear anything from LL Bean Mastercard via phone, email, or mail about a balance due. I believe that LL Bean Mastercard may have had incorrect contact information for me due to the previous fraud that had occurred on the account ( where someone else changed my address, email, and phone number ). 

In XXXX, I received a letter from XXXX XXXX XXXX stating that I owed a balance of {$200.00} because of late fees incurred from non-payments on the LL Bean Mastercard. I disputed the fees, explaining that I had never received a bill, and agreed to pay a reduced fee. 

My credit report, however, shows that I made late payments on this account for 7 months and that my account was 90 days past due. I disputed this with XXXX, but they did not change the information on my credit report. 

I believe my credit report should NOT reflect late payments made on this account, because I could not have paid a bill I never received. I have a very good credit record and pay all my bills on time, so this information is misleading and erroneous, and is harmful to me. It has already caused my credit score to go down and I was denied a new credit card recently due to this erroneous information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1100.00} XX/XX/23 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/2017 ) ( correct date : XX/XX/2017 ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from my legal name and in fact XXXX  claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I will upload copies of the letter from the public records Court officer stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and 3rd inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the times XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Product: Checking or savings account

I processed two payments using the XXXX application on XX/XX/XXXX in the amount of {$500.00} each. The XXXX app indicated a problem occurred and to try again later. The recipient of these funds has never received the money. However Fifth Third Bank has deducted the funds from my checking account. I placed a dispute on XX/XX/XXXX. My claim was denied on XX/XX/XXXX. I contacted the bank and reopened the claim with supporting documentation from XXXX to verify the funds transfer did not take place. The claim was denied a second time on XX/XX/XXXX. I contacted the bank and reopened the claim a 3rd time and offered a case number provided by XXXX so the bank can contact XXXX to confirm my transfer did not process and the recipient has not received the funds. The bank states they have information that the recipient received the funds. However, they are not able to provide details on how they have verified this. They keep instructing me to contact XXXX and find out where my funds are. I have done this three times and each time XXXX has confirmed the funds did not transfer. The bank should be able to easily verify with the debit card issuer, MasterCard, to confirm the details of this transaction. It is now XX/XX/XXXX I was am still waiting to receive a credit for my {$1000.00}. Each time I call Fifth Third Bank I seem to get a run around with no resolution. I am told over and over the recipient has received the funds. However, no one can tell me how this was confirmed. I have verified several times with the recipient and the person has never received the funds. I am at a loss and I am not getting anywhere with the representatives at the bank.
Product: Debt collection

A XXXX XXXX from Hatfield Portfolio Group from phone # XXXX called me on XX/XX/XXXX and asked for a XXXX XXXX. I told XXXX XXXX that XXXX XXXX is my ex-husband, our divorce was final XX/XX/XXXX. I gave XXXX XXXX XXXX 's current address and phone numbers and told him his new wife 's name. XXXX XXXX said he appreciated the information and said he would remove my name and number from his paperwork. Again today, XX/XX/XXXX XXXX XXXX again called my phone number and left a voice mail message asking for XXXX XXXX. I called back and got his voice mail. I left a message reminding him of our conversation a few days prior and that he was to not call my number again.
Product: Checking or savings account

on XX/XX/2018 i sent {$300.00} to my friend ac through XXXX having a cell # XXXX with conf # XXXX XXXX XXXX my ac was debited but it was not credited in my friend ac till today. 
i got affidavite from my friend that till today he has not received credit in his ac at XXXX XXXX. 
bank of america said they send at the right place .they never call on given cell # that money was received or not .my friend became my best enemy and he disconnected my friendship and now i am facing lot of XXXX  XXXX and XXXX problem due to this .i need compassation also for that as many times i personnally contacted bofa in XXXX il branch and wested more than 10 hrs. three times.my cell # XXXX thanks
Product: Credit reporting

I checked my credit on XXXX on XXXX XXXX and my Transunion report only showed XXXX hard inquiries. The next time I checked it, around the middle of XXXX, XXXX inquiries showed back up. I was not notified that they would be reinserted. I 've called transunion several times to get this resolved and they have been very rude and will not help me.
Product: Credit reporting or other personal consumer reports

Heres a brief summary of what happened : You discovered inaccuracies on your credit report, such as incorrect charge-off dates, high balances, and last activity dates for several accounts, including XXXX XXXX, XXXXXXXX XXXX XXXX and Verizon.These errors have negatively impacted your ability to obtain credit. You are disputing these inaccuracies and requesting either verifiable proof of the account details or immediate removal of the accounts from your credit report as required under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

XXXX says I owe {$2000.00} for service to an address that I have never lived for the dates XXXX XXXX through XXXX XXXX. I never received a bill or notification of any kind until my credit report showed a collection service requesting payment.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act AccountXX/XX/XXXX ACCOUNT # XXXX, Has violated my Rights 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SEC 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

I noticed that we were charged 4 overdraft fees for our checking account. My wife contacted them about these fees assessed on XXXX She was told by customer service that they would refunded with the " Peace of Mind Rebate '' as long as a deposit was made by XXXX. My payroll deposit went into the account later that afternoon. The representative informed us that those fees would be refunded in the " overnight processing ''. When she called today, she spoke with XXXX, who told her that the fees would not be refunded because there were {$28.00} in items that were still pending. When she told them what the representative had told her on XX/XX/, he advised that was not correct. My wife then asked for a supervisor, and he informed her of the same. 

My wife then called the branch on XXXX XXXX. to discuss her concerns. The branch manager then apologized for the inaccurate information given and stated she could not refund the fees. My wife stated that unfair because she was given incorrect information and had the ability to deposit {$28.00} that ultimately cost us {$140.00} It is not fair that they do not honor what the representatives tell the customers when they call in for help. Because correct information wasn't given, we are made to financially suffer which is not right. Especially in trying financial times like this.
Product: Credit reporting or other personal consumer reports

Im writing to formally request the removal of this negative information on my credit report. I believe that these entries do not accurately reflect my financial behavior or current standing. I have made every effort to resolve any issues and have acted in good faith to improve my creditworthiness. Your prompt attention to this matter would be greatly appreciated.
Product: Checking or savings account

On or about XX/XX/2024 while reviewing my accounts on line I was reviewing my TD Bank accounts. One of my accounts ' balances appeared lower than I expected. Upon review I found that a transfer of {$7500.00} from my savings account was made to one of my checking accounts which I did not authorize. I then found that a payment was made from this checking account in the amount of XXXX XXXX dollars to XXXX XXXX. This payment was made with a TD Bank check not my personal check. I did not authorize this payment nor do I know XXXX XXXX. I then made contact with TD Bank 's fraud department. TD Bank 's fraud department then began an investigation. On about XX/XX/2024 I received a letter via US mail from the TD Bank fraud department that their investigation was complete and that I was responsible for this payment to XXXX XXXX in the amount of {$10000.00} " and that an error did not occur ''. I have a copy ( front and back ) of the check issued by TD Bank on my behalf. I have requested the documentation but have not yet received it from TD Bank. In the interim I have closed all ( 5 ) prior TD accounts and opened 5 new accounts. My account obviously had been hacked.