23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Lexington Law on XX/XX/2020 at XXXX XXXX. I spoke with a man and provided him with the description of the negative items on my credit report. He advised they could help remove these items, and sent me an agreement to sign while we were on the phone so they could get started which I did. During the 4 months I was with them, nothing was accomplished. 

From XX/XX/2020 - XX/XX/2020 I got a notification from them that a negative item was removed from each of my credit bureau reports. I reached out to them as it was only being reflected with them and not with my other credit monitoring services. I spoke with XXXX XXXX which informed me the removals were permanent which turned out to be a lie. 
I set up the disputes in order of importance, however the first acct XXXX has not being worked on since XXXX. When I reached out they stated the next update was due on XXXX. 
I requested an escalation for one of my account and this was incorrectly done. They provided me with a letter to send to the creditor. The letter stated that I had 2 account being reported incorrectly and to verify the account which was incorrect as I only had 2 account and was only trying to get the late payment removed. And they have the nerve to charge me. 
My attempts/ email to contact them has to be sent multiple times to get a reply. When I get a reply it will be simple copy and paste template. I now realize this was all a scam. They said they could help me with the negative items but it was all a scam. I would like all my payment refunded from XXXX - XXXX. 
Date Status Description Amount XX/XX/2020 PAID Monthly Subscription Fee {$110.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID First Work Fee {$79.00}
Product: Debt collection

My employer was served a court notice about a alleged debt with XXXX in which I dont recall or have any knowledge of having it that was owed since XXXX never was aware or knew anything about this until today XXXX XXXX its discouraging considering they are making an attempt to garnish my wages on something I have no knowledge of. The initial debt was XXXX in XX/XX/2006 and now they are seeking XXXX in which is ridiculous and immoral!!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank lowered my limit from {$700.00} to {$300.00} XX/XX/21. Card was not used and they reported card over limit on XX/XX/21. It is my understanding this should not happen for 45 days after the limit was lowered.
Product: Credit card

In XXXX I received a bill from my credit card company Shop Your Way ( XXXX ). On it was a charge for {$480.00} from a company called XXXX XXXX XXXX I IMMEDIATELY called Shop Your Way and stated I never made a transaction from them. Two wks later I called back. Was told charge was dropped and was issued a new card. I also asked verification which wasn't received. I used my new card which they sent plus paid off the majority of my due amount. With the next statement on my " new card '' the charge I didn't make was still on my account. I called the fraud unit back and asked for the phone number of that company XXXX XXXX. I tried several times and couldn't get ahold of them nor have received any correspondence from them or SHOP YOUR WAY. I told them to block my new credit card until I got some answers from them. Week past I called back and was told they closed my account. Now today I received a pin letter from them saying I was liable for the charge and if I didn't make payment they would contact the credit bureau. 
I HAVE NEVER EVER NOT MAKE A PAYMENT INFACT I HAVE PAID AHEAD. I called them back today and the fraud unit said they will reopen case when I asked her what did they find out. No given answer. I asked for her operator no which she couldn't give but was given this case number CASE # XXXX I am still wonder how that company got my new credit card or was it just SHOP YOUR WAY. To totally close my account after being a good customer is beyond me.
Product: Money transfer, virtual currency, or money service

Coinbase will not validate my bank account in the XXXX so I can transfer money back to myself. I have transferred the required Euros, with all the correct references, to Coinbase 3 times and requested validation on a daily basis for months.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove all adverse remarks for the following accounts : 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 As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Credit card or prepaid card

in XXXX, XXXX, I applied, and was approved for the XXXX XXXX card from American Express. I made purchases, and paid each bill on time. In XX/XX/XXXX, I contacted customer service via chat on the XXXX app. I let the rep know that I wanted to cancel my XXXX XXXX  card. The rep either did not seem to want to keep me as a customer, or may not have been able to convince me to keep the account open. They asked if I was sure that I wanted to close the card, I said yes.

Not more than 24 hours later, after talking with sever colleagues, I decided that I wanted to reinstate the card. I used the chat feature on the app, and messaged a rep. I asked about reinstating my XXXX card. They were able to submit a request. The rep let me know that I would receive an email, as well as a letter in the mail in the next 7-10 days. I received a letter from American Express in about 7 days. It stated that they could not honor my request because of my FICO score. I was shocked. I have what is considered excellent credit. I used the business chat feature to contact American Express. This rep was a bit more helpful. They explained that they would submit a request for reinstatement. I would hear a response in 7-10 days, and see a {$25.00} fee on my card. 
Today, XX/XX/XXXX, I received another letter from AmEx, with the same information as the first letter. 

I am confused : I have fulfilled each and every one of my financial obligations. I have excellent credit. I have, in my opinion, been an excellent customer with American Express. 
I made the choice to close a card that I had met all obligations on, and had changed my mind, and decided that I wanted to keep the card. 
I feel that my business is not important to American Express. 
I am human, I made a mistake by closing the account.
Product: Checking or savings account

XXXX fraudulent charged my account for just under {$86.00} stating I agreed to prepay for 1 year of a photo editing app. XXXX XXXX. I cant use a photo editing app. After that process I disputed with the bank ( Chime ) who also denied the claim without even allowing me to provide supporting documentation.
Product: Credit card or prepaid card

USAA Refuses to NOTIFY ME WHY?? THEY REVESED {$1.00}, XXXX CREDITS XX/XX/2019. NO NOTICE OF FRAUD OR DISPUTE NOT IN MY FAVOR?? USAA DOES NOT SHOW INTERNAL CREDIT INFO TO CONSUMERS. USAA CLAIMS ALL CREDITS ARE CREDITED I HAVE A RIGHT TO ** KNOW WHO MERCHANT IS OR WHAT CREDITS ARE ABOUT WHEN CREDITS TAKEN. HOW CAN USAA HIDE CREDITS THEY TAKE?????? I HAVE A RIGHT TO KNOW.!!! I HAVE BEEN HELD LIABLE FOR FRAUD FOR TWO ( 2 ) YEARS.
Product: Credit reporting or other personal consumer reports

i am requesting under the consumer law to removal all negative 15us1681 ( A, B, C, D 1, A, B, C ( 2 ) Exclusions, A, &, D and for Bankruptcy & student loans 15us6802 ( A ) ( B ) OPT OUT ( 1 ) IN General A, B, C ( 2 ) Exception, Please removal from all 3 credit bureaus thanks XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX
Product: Money transfer, virtual currency, or money service

Back in late XXXX early XXXX I was moving apartments and selling some of my stuff on XXXX XXXX I had received some offers about purchasing some rugs of mine. The way the transaction was supposed to go down was through XXXX. I have used XXXX before though my Wells Fargo account and never had an issue. Was told that because this person had a " Business Account '' they would have to wire me money first and then I would send back to them. Sounded fishy so I XXXX " XXXX contact numbers '' and was given a number that looked official from a website which I now know was a fake XXXX website. 

When I called the number they told me I would have to make a couple of transfers to them which were 2 XXXX  transfers in order to make sure the transactions were valid. I noticed the money went out of my account but I didn't see it come back to my account. This happened within minutes and the date was XX/XX/22. I called WF within 10 minutes of the transaction and told them about it and was initially told they would probably cover it but received a few notices within 2 weeks that they would not refund my money. 

Had no idea that XXXX was a joint venture of some of the world 's largest banks and that they literally have no safeguards in place to rake care of their consumers with fraud like this. There is no recourse and it appears that anyone can open an account for fraudulent purposes.
Product: Credit card

A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.
Product: Checking or savings account

I deposited a {$1500.00} check from my XXXX Card account on XX/XX/2019 into my Capital One bank 360 account. Capital One showed a credit on my account of {$1500.00} as check cleared. On the same day I transferred the {$1500.00} into another checking account with Capital One Bank. Several days later I received a letter dated XX/XX/XXXX from Capital One saying that the check was returned insufficient funds. 
Similarly XXXX sent me a letter saying that I was over my credit limit. I called Capital One and they returned my call on XX/XX/XXXX saying that my account was terminated because of Fraud. To my disbelief after 15 years of relationship. The bank accused me of Fraud. When I wrote the check from my XXXX account. Because the checking 360 account was closed, I couldnt return the {$1500.00} from the other Capital One account as an internal transfer. The fact of the accusations and the wrongdoing of Capital One investigators conclusion, and failing to advise me of the effective date of closure, is causing financial hardship in several automated debit payments, and mortgages that are accumulating return fees, late fees, and potentially damaging my credit score.

Furthermore, Im employed as XXXX XXXX XXXX on a Financial institution and this information can damage my professional career.
Product: Debt collection

Debt collector Midland has recently contacted me about a debt they state belongs to me. They said it was from a payday loan place called XXXX XXXX XXXX made back in XXXX. I told them that It was not me and it must be a mistake at which point I requested additional documentation such as how it was made, proof of where the money was sent to etc. They refuse to send me any documentation and demanded that I pay them. I told them I am not paying something that I was not responsible for. I am not sure what is happening and I am very concerned as I know I did not take out a loan. I've literally requested them to send me everything that the have so that I can review it. At this point they are hanging up on me. This is not how you properly handle businesses. Accusing someone of a debt that they have no knowledge of. I've never received not one letter or notice of this. They are just calling and harassing me at this point.
Product: Credit card or prepaid card

Barclay 's XXXX XXXX credit card is charging interest in excess to those disclosed. Instead of charging interest on my remaining balance each month, they are charging interest on the value of my remaining balance PLUS the balance of all purchases made during the next month. 

For example, my credit card bill in XX/XX/2019 was $ XXXX and I paid off {$4400.00} ( I am rounding number here to make my example easier ). My remaining balance was {$600.00}. In XXXX, I charged $ XXXX on my card. The interest charged on my XXXX bill was on {$9600.00} instead of XXXX! 

I reviewed the disclosure on my bill. I have a XXXX degree and I don't understand it. I can't imagine what others think when they read it. My friend worked for the CFPB as an examiner and told me to file this complaint.
Product: Credit card or prepaid card

On XXXX XXXX 2017, When the Auto dealer XXXX XXXX, XXXX Texas. retail repair store offer me replace new parts On key and Ignition lock, I agreed. However, they cheating whole thing, Deliver me to totally without replacement, instead just gave me 1 used key Which even not work on remote open door, only do ignition So they cheat me {$460.00} for non replace non service. 
XXXX that dealer also made fake invice, intentionally make wrong my email and address and tele number so as skip their headquarter survey afterwards. 

While I have presented lot evidence to XXXX XXXX creditbcard, they Kick ball, made no faith to customer card holder.
Product: Mortgage

My complaint is with XXXX XXXX XXXX. They bought our loan 3+ years ago, and are servicing the mortgage. In XX/XX/XXXX, an Escrow adjustment was made, and an additional amount ( $ XXXX ) to escrow was needed. I made the XX/XX/XXXX payment ( {$2600.00} ) manually and electronically. The XX/XX/XXXX payment however, was short the additional amount of escrow ( my bank sent {$2500.00} ... the previous amount ). The funds were left " unapplied '' and kept by the mortgage company for a month ( until the next payment request ). The mortgage company did NOT send us notice of the delinquency until the next month ( XX/XX/XXXX ) payment notice. 
I talked to the mortgage company and made an additional payment to the escrow account XX/XX/18 ( electronically ). I asked that they do not report the late [ payment, as they did not follow the protocols for applying payments. As I understand the protocol, a payment should be applied to the Principal and Interest first ( a fixed amount ), and then the Escrow fund ( a fluid amount ), unless notice is given that the payment will not be applied. My real estate attorney concurs. The mortgage company said that any payment that is not for the entire amount will be deemed unapplied, notice or not. The mortgage company ignored my request and declared the mortgage payment late to the credit bureaus. 
This is unjust and unfair as it does not follow the terms and practices of the mortgage we bought, or the protocols of the Consumer Protection Act, as we understand them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX never late COLLECTIONS 01 XXXX XXXX  XXXX {$160.00} not mine 09 XXXX XXXX XXXX XXXX {$3500.00} not mine 10 XXXX XXXX XXXX  XXXX {$1300.00} not mine 12 XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX anauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : CH-XXXX  XXXX not mine
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supposed debt : Accounts Research , Inc. XXXX , TN XXXX RCVD call from XXXX XXXX , stated he was trying to conduct research and has returned mail for me. He wanted to confirm my address was the same as what was on the returned mail, I told him to just resend it to me as addressed. I asked him again who he was, since I have a large relation to XXXX 's, and he said he just had gotten some of my mail by mistake and wanted to make sure I got it since it was from my bank. No big deal. However, I felt weird after the call and did some research and found he is a collector for a company who changes it name often due to not following collection practices. They used to operate under XXXX XXXX XXXX. 

So, the big issue is that this account with XXXX XXXX had fraudulent activity and was closed. A lady from the fraud dept with XXXX XXXX called me, I believe in XX/XX/XXXX or XX/XX/XXXX,  and informed me the account had been locked due to activity. After reviewing the charges, they were determined fraudulent. The disputes were processed, and once processed, the account was to be closed with any remaining proceeds mailed to the addesss on file. I have not had any further correspondence from XXXX, so due to my own assumptions, I thought this matter was resolved. I have called and left a message for XXXX, in collections, with XXXX XXXX. I have since tried to communicate with the debt collector and that went nowhere. 

I will not resolve this debt with anyone other than the bank directly. XXXX XXXX lied, multiple times, when I asked who he was/with. Every time he represented himself as a provate citizen just trying to do the right thing.
Product: Debt collection

I've tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don't seem to want to accept a settlement agreement. They're more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I'm trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Chase sent me a letter in the mail on XX/XX/year> that said, " We're concerned someone may be using your personal information fraudulently and declined an application because of this. '' No account was opened with Chase, that I can tell, other than the existing credit card I have with my husband through Chase.
Product: Money transfer, virtual currency, or money service

I 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 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: Credit reporting or other personal consumer reports

Incorrect Late Payment Reported to the Credit Agency. 

Original date is XX/XX/XXXX is correct, confirmed with the lender. 

Experian ignored my request and further reported it as XX/XX/XXXX delinquent payment which make is more recent. The account is closed as of XXXX. 

Please help me fix this. I have good standing accounts with everything else. This is disappointing and fraudulent.
Product: Checking or savings account

On XX/XX/XXXX, I received an advertisement email stating that opening a checking account at Wells Fargo Bank would come with {$350.00} bonus.

The conditions mentioned by Wells Fargo Bank to receive {$350.00} bonus were as follows : 1. Open a new Everyday Checking account from this email by XX/XX/XXXX with a minimum opening deposit of {$25.00}.

2. Receive a total of {$1000.00} or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening. 

On XX/XX/XXXX, I visited a Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX, MD XXXX ), opened a checking account under the terms stated in the advertisement, and deposited {$1000.00}. 

By XX/XX/XXXX, well over 90 days had passed, but the {$350.00} bonus had not been deposited. When I visited the branch to inquire, I was told to wait. 

As of today, XX/XX/XXXX, the bonus has still not been deposited, and I believe that Wells Fargo Bank engaged in false advertising.