23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I noticed that there were late fees of {$150.00} and I paid an additional {$160.00} so that they were removed but they still appear as though I have current late fees. I have asked the company Wells Fargo to apply this amount and they stated they would do so but have yet to. It has been almost 6 months if not more since my request was made.
Product: Credit card

At approximately XXXX PT on XX/XX/XXXX, I took advantage of a Chase XXXX XXXX promotion offer with a points transfer to XXXX XXXX XXXX XXXX. The promotion would have had me receiving a 30 % bonus of points upon transfer. In simple terms, if I transferred XXXX points from Chase XXXX XXXX to XXXX XXXX, I would receive XXXX points in my XXXX XXXX account. The 30 % promotion bonus on the Chase website was slated to run through XX/XX/XXXX at XXXX ET. 

I was looking to book a flight through XXXX XXXX for XXXX points. Therefore, with XXXX points in my XXXX XXXX account, I had to transfer XXXX Chase points to XXXX XXXX. That XXXX, when coupled with the 30 % bonus, should have had me receiving XXXX points in my XXXX XXXX account ( XXXX ). 

The transfer was completed, however, I only received XXXX points in my XXXX XXXX account. My XXXX bonus points were missing. I called Chase and XXXX XXXX multiple times over the ensuing days to find out how to resolve this issue, and both companies pointed the fingers at each other. No one offered any sort of resolution. 

Chase indicates on their website that transfers ( and bonus 's ) can take up to 7 days to complete. The 7 days has officially passed and I do not have the bonus miles in my XXXX XXXX account. 

Therefore, because I needed to book a flight before it was unavailable, I had to transfer an additional XXXX points from Chase to XXXX XXXX to make up for the lack of my bonus points. 

During this sequence, I have maintained screenshots and phone records with XXXX XXXX as documentation.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report. According to FCRA inaccurate information must be removed. Contact was made on XX/XX/year> was closed with complete investigation. A violation of 15 USC 1692G has occurred. 
Without a valid debt validation to include : 1. Full detail list of payment history on the account.

2. Insurance claim found on debt 3. Original signature that XXXX XXXX XXXX agreed to on the contract for the creditor XXXX. Chain of title with authorization to collect on debt
Product: Payday loan, title loan, personal loan, or advance loan

Attention to the companies involved, Report XXXX : XXXX ( XXXX ). 

I would like to formally dispute an account that appears on my credit reports. On XX/XX/year>, I disputed this account mentioned with the credit bureaus, in which the result of my dispute was positive and deleted from my credit report. Currently, it continues to appear on my report in all bureaus, duplicated as XXXX in a Charge off. 
According to the Fair Debt Collection Practices Act ( FDCPA ), if a debt is not verified within the stipulated period of 30 days, the collection agency must remove the collection account from all credit reports and consumer reports in which it appears. 

I therefore request that this collection account be immediately removed from my credit reports, including, but not limited to, records maintained by all credit bureaus and consumer reporting agencies to which it has been reported. I appreciate your prompt attention to this matter and look forward to a favorable resolution as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed some items with Equifax Credit Bureau they still have not corrected it, but instead brought my score from a XXXX to a XXXX with no changes reflecting this. Please help me ......
Product: Credit reporting or other personal consumer reports

I satisfied the condition of my XXXX XXXX XXXX  and need to be removed from all reporting agencies. XXXX  filed on XX/XX/year>. Its been XXXX  years. I need to attend graduate school and need the most optimal credit score to qualify for private loan money. Also, I was a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's management of disputes, particularly in light of the recent lawsuit by the Consumer Financial Protection Bureau ( CFPB ), which has uncovered significant deficiencies within the platform. Despite utilizing Zelle on multiple occasions and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that the recovery of lost funds was not possible and that tracking these transactions was impractical. The findings of the CFPB indicate that Zelle has not only failed to safeguard consumers but has also permitted repeat offenders to exploit the system, leaving users susceptible to scams. The evident lack of accountability and transparency is unacceptable and raises profound concerns regarding consumer safety.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I reached out to Wells Fargo to stop pause my credit card and personal installment loan accounts. On the phone I was told my payments would be paused and my interest would be paused. My credit card did not charge me interest, however to my dismay, my personal loan continued to charge interest even though Wells Fargo had paused payments. Wells Fargo is making extra profit by taking advantage of its most vulnerable costumers who have been devastated by COVID-19. My complaint reached the top level executives and the verdict came back that they would continue to charge interest on an account they claimed to lend financial assistance. These accounts should been completely paused. Instead they chose to make a profit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I XXXX HAD OPEN AN ACCOUNT WITH CHIME COOL NO PROBLEM TAX TIME CAME AND THEY CONVICED CUSTOMER TO DIRECT DEPOSIT THERE REFUNDS TO GET THEM SOONER SO I USED MY CHIME ACCOUNT FOR DIRECT DEPOSIT MY REFUND WAS XXXX I GOT A NOTICE FROM CHIME THAT TOLD ME I NEED TO CHANGE MY PASSWORD SO I DID THAT THEN ABOUT A DAY LATER I COULD NOT LOG IN FROM MY NEW DEVICE, I CONTACTED CHIME AND WAS TOLD MY ACCOUNT HAD BEEN CLOSED AND MY REFUND WOULD BE SENT TO ME IN A CHECK, FAST FORWARD TO XXXX I FILED A COMPLAINT WITH XXXX. THEY TOLD THEM THEY WERE GOING TO SEND ME A CHECK I JUST NEEDED TO VEIFY MY ADDRESS THAT WAS DONE .. MOVING FORWARD THEY SAID THEY WERE SENDING ME A NEW CARD / CARD ARRIVED I TRIED TO ACTIVATE THE CARD I WAS TOLD MY ACCOUNT WAS CLOSED AND MY CARD COULDNT BE ACTIVATED SO NOW IM CONFUSED, AS TO WHY THEY SENT A CARD AND NOT AN ACCOUNT CLOSURE CHECK... I GAVE THEM THE ALLOWED TIME WITHIN REASON AND STILL NOTHING WAS DONE.THE IRS WAS NOTIFIED THE IRS REQUESTED SOMWTHING THEY CALL A TRACE VERIFIED THAT THEY STILL HAD THE FUNDS. THEY REQUESTED THE FUNDS BACK I ALSO FILED ANOTHER COMPLAINT WITH THE XXXX NOTHING WAS DONE I JUST WANT THE MONEY I WAS ENTITLED TO, THEY SEEM TO THINK PEOPLES LIVES SEEM XXXX BE A GAME HERE WE ARE IN XXXX AND STILL NO RETURN OF MY FUNDS PLEASE HELP ME GET ALL MY FUNDS.. I DID FILE A DISPUTE WITH CHIME AND NOT EVEN 20 MIN LATER I GOT A EMAIL THAT SAID THEY COMPLETED THERE INVESTGATION. HOW DID THEY COMPLETE AND INVESTGATION SO QUICKLY BEFORE THEY EVEN HAD MY POLICE REPORT.. SO I REDISPUTED THE TRANSACTION TELLING THEM MY OLD PHONE WAS STOLEN AND I DIDNT HAVE ACESS AFTER I WAS INSTRUCTED BY CHIME TO CHANGE MY PASSWORD BUT WAS UNABLE TO LOG IN AFTER THAT PONIT.
Product: Credit card

In XXXX, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on XXXX of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had XXXX liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a {$0.00} balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of {$15.00} has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, XXXX perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector the company XXXXXXXX XXXX XXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Product: Credit card or prepaid card

This is to make complaint against Citibank N.A. I make this complaint for the following reasons : 1. Citibank land-mailed me an offer for a credit card. 
2. In XX/XX/2020 I responded and applied for the credit card. 
3. Upon approval and receipt of the credit card I realized it was a balance transfer card ( Diamond Preferred ) as opposed to a reward card. 
4. I asked Citibank to convert the balance transfer card to a rewards card. 
5. Citibank responded that they could not convert the card. That I would have to make a new application for the rewards card. 
6. Accordingly, I applied for the rewards card but according to Citibank, was not approved because Too many recently opened accounts were recorded on your credit bureau report. 
7. I then telephoned Citibank for clarification and was told I had to close all accounts opened in the previous 365 days before my application could be reconsidered. 
8. I complied. 
9. I closed all accounts, five, including the Citibank XXXX XXXX account and land-mailed Citibank a letter of confirmation including documentation for each. 
10. After 30 days with no response, I telephoned Citibank to ask about the status of my reconsideration application. 
11. Citibank responded that I had to reapply, again. 
12. Upon reapplying I received an identical letter, dated XX/XX/2020 and in complete ignorance of the facts, stating my application was denied because Too many recently opened accounts were recorded on your credit bureau report. 
13. At what cost to my credit rating has been Citibanks irresponsibility?
Product: Payday loan, title loan, or personal loan

I had taken {$250.00} out from Moneylion back in XXXX of XXXX. Now not once did they reach out to arrange a payment plan they just constantly kept taking the money out of my account and it would bounce back due to lack of funds. I reached out to the company to assist with reversing the funds and I was introduced to a customer support representative who kept calling me the wrong name and never answered my question. He kept telling me ways to increase my cash advances. I still havent had my question answered all they could say is they will work on their communication. Its XX/XX/XXXX and I took the loan out in XX/XX/XXXX, this is the only time Ive ever had an issue with payday loan companies they usually always work with me to insure the money is paid back some how. You guys didnt do anything, made me serm very small for borrowing money
Product: Credit reporting or other personal consumer reports

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX ( XXXX XXXX XXXX XXXX
Product: Debt collection

I am being unfairly treated by convergent outsourcing and their refusal to remove an incorrect and illegally reported collection account from my credit report. 

I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California XXXX Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

I have determined that convergent outsourcing is prohibited from submitting information relating to me with regards to the paid collection in question to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 



For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it after the filing of this complaint with the Consumer Financial Protection Bureau and the California Department of Justice, I will have no choice but to seek legal action against you. I hope you cooperate with my request.
Product: Money transfer, virtual currency, or money service

I am filling 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 process was unfair and deceptive, as they did not comply with the 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

XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Comenity bankXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A, section states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

XX/XX/2020 I would like to file a consumer complain against USAA Bank ( Main Office : XXXX XXXX XXXX XXXX XXXX, TX ) Phone : ( XXXX ) XXXX and XXXX XXXX  ( XXXX XXXX XXXX XXXX, GA XXXX ) Phone : ( XXXX ). On Sunday XX/XX/2020 at XXXX my XXXX-year-old son and I went to the ATM machine located at XXXX XXXX  on XXXX XXXX XXXX XXXX , GA to make a cash deposit of {$200.00}. We had recently opened him a youth spending account with USAA and he was excited to have an account and his own debit card. USAA has few to no ATM or standing banks in the area so the use of an ATM machines is standard practice with account holders. 
On this occasion, which was my sons first experience with using the ATM machine, the machine errored and ate his {$200.00} cash deposit. I immediately contacted USSA bank and filed a dispute. Monday XX/XX/2020 I called to confirm the dispute was entered and I was told that it would be 48-72 hours. So, on Wednesday XX/XX/2020, I called again and was provided an email at the time stating they denied the claim because it was a non-USAA ATM machine and they could not verify the deposit by forcing another institution to audit or review the ATM camera. 
Needless to say, I was very upset that they would allow the use of outside ATMs but would not have a policy to dispute outside ATM malfunctions. So, I attempted to address this from another angle by contacting XXXX XXXX after getting nowhere with USAA. XXXX XXXX  Customer Service Line informs me that the banking institution I have an account with ( USAA ) would have to file the dispute with XXXX XXXX  and they did not take dispute requests from individuals who are non-account holders. So, I again contacted USAA to escalate the problem and got the response that contacting other banks to file disputes was not a part of their protocol. 
Still not ready to give up on Thursday XX/XX/2020 I was able to go inside the local XXXX XXXX  Branch and speak with the Branch Manager. He informed me that the ATM is not owned or operated by XXXX XXXX, but it operated by XXXX. ( I know from working with XXXX that they are a carrier service and collect and move funds via armored truck not a banking institution ). So, I did call XXXX and they confirmed they service the machines and would come out at the request of the owner ( XXXX XXXX  ). Again, I relayed this information to XXXX XXXX  to which I got the response no, we are not calling XXXX to come out, go to your bank and have them resolve. 
I am very displeased with the customer services or lack thereof and even more disgusted that my XXXX-year-old has lost his money that he has been saving up for some time. But, I am positive that this has happen to others and I think that banks should do a better job resolving these types of issue. I would like for both USAA and XXXX XXXX  to take responsibility and implement a practice to resolve these problems other than saying, sorry we can not help you. No one should experience the frustration of having your money that you worked for taken by the banks that you entrust to hold guard it. Please assist us in next steps in holding these banks accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can I have excellent pay history and yet such poor credit scores by only XXXX and Experian? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both XXXX & Experian cite this as one of the reasons of my low credit score. XXXX and Experian are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on Tuesday, XX/XX/2018 after I viewed my credit report and found addresses that did not belong to me. The representative that I spoke with said that the system was down and I would have to call back which is hard being that I work long hours and can not make phone calls while I'm working.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2024 an individual purporting to be a bail bondsman called my friend and requested bond money via cash app for a family member. My account was used to send {$270.00}. It was a scam, However, I was able to trace the account utilizing data from their Cash App account as well as other publicly available information to a XXXX XXXX in Ohio that recently served time in XXXX XXXX for XXXX  XXXX XXXX  of XXXX and XXXX XXXX of XXXX in XXXX XXXX Missouri. I notified cash app and offered to send all my supporting documentation and asked them to claw the money back and freeze the offenders account. They have refused and still allow this person with multiple XXXX to utilize their app to commit fraud. Cash-App and XXXX XXXX apparently are allowed to disregard all AML/BSA/KYC rules that every other financial institution must abide by. Their business model is to make money by facilitating fraud, and it should be stopped.
Product: Debt collection

RentRecovery Solutions continues to harass me in an attempt to collect a debt that I do not owe. I never lived at the location, signed a lease agreement, or signed any agreement stating that I would pay this debt. I have repeatedly informed them of this in writing, but they continue to harass me and report this incorrect information on my credit report and it is harming my ability to obtain credit.
Product: Checking or savings account

To who May this concern, XX/XX/2022 my Bank account got hacked. 
My bank Chase was able to return me the money I was satisfied after making a new account and closed out the old one .Chase did say they filed a claim for this to be under investigation. 
Today XX/XX/2022 Chase claim department took that money from my account called my hacker and they verified I did give them access to take money out i had to give the money back leaving my account negative. 

The hacker called me from a chase number I had no idea I was being hacked to get access to my account. I feel like this is unfair my bank should be protecting my personal information not the hackers. 
And Im getting charged for being negative XXXX $ each transaction made from the bank. 
Im left frustrated and I just need to know this wont be left unresolved and my hacker winning.