23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Google pay has no refund policy on scamsters. I told Google just 5mins. from the transaction message. They have not helped me at all. They have been going in loops. Now they want me to get the money back from some scamster. I don't even know. I need full refund. I would never ever recommend anyone to Google pay.
Product: Credit reporting

The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX
Product: Debt collection

I have been trying to resolve issues with chase bank collections team taking more than I agreed to. 

I dont have a phone plan because Im homeless, due to an accident I recently XXXX XXXX XXXX XXXX XXXX XXXX I was told by chase on XXXX I can use the XXXX  app to resolve this. And they dont ever follow up. They get the messages, they say theyll reply, and they dont. One person told me go into a branch, I went in and was as to leave because I smell! Im homeless, of course I smell! I cant help it!! 


Chase has stopped any reply to my messages!! I need help!!!! They are going to run the clock out and Im going to get hit with another round of late fees. They have already cost me {$60.00} dollars in returned check fees with my other bank and Im sick of this! Nobody has stepped in to help to accommodate my XXXX. 

I missed my payment on my plan in XXXX because i only had enough money for paying my last day of rent. In XX/XX/XXXX I joined a new payment plan. 
The total it gave me was {$320.00} for the missed XXXX payment plus the late fee and the new payment amount for XXXX. I was only given this option to pay this amount, so I scheduled a payment of it. There was only {$320.00} in that account. Chase collections took out {$120.00} dollars and then tried to take the {$320.00}. No where did I schedule a {$120.00} dollar payment. I got {$60.00} in returned check fees from my bank because they tried to take that {$320.00} twice. Why were these charges taken separately? It would be like collecting the missed payment in XXXX and then two payments for XXXX! 

I have been trying to resolve this and they never reply! I dont have a phone and XXXX XXXX XXXX XXXX! Going into the bank is not an option for me, I need correspondence in email because last time I was in the bank they treated me like XXXX because Im homeless and they kick me out. Look at the screenshot, I only scheduled ONE payment of {$320.00}. I have no notifications or emails saying anything about {$120.00} They have not accommodated my XXXX in spite of requesting one, they discriminate against me for being homeless, and they are not answering me. They will then charge me more fees because they say its all late when I have tried for over a week to get this resolved!!! They are already costing me money! 

When I do get a reply, they tell me they sent into the collections team and that team never answers! I was supposed to get a reply 5 days ago. Nothing!
Product: Credit card or prepaid card

In XXXX of XXXX, XXXX XXXX XXXX put a charge on my credit card for XXXX. There has been an ongoing dispute about this charge because XXXX XXXX XXXX has refused to provide services that were properly working. The result was I cancelled the service on XX/XX/XXXX and installed XXXX XXXX. I have been providing ongoing documentation to dispute this charge and all Capital One is doing is constantly putting the charge back onto the card. I have been unsuccessful in keeping the charge off of the card. As of XX/XX/XXXX the card was rebilled again for the charge. I was told on Saturday the XXXX XXXX that the charge will remain off because all the documentation including pictures were sent by the XXXX of XXXX. This was a lie.
Product: Payday loan, title loan, personal loan, or advance loan

The law states based on 15 us code 1691 that I cant be denied a loan or credit. I went to a td branch location and they denied my form XXXX and denied my XXXX XXXX XXXX XXXX stating I cant be a XXXX XXXX XXXX XXXX for my own account. But more importantly online they denied my XXXX loan application. I have suspicion of breach of trust, security fraud and identity theft on the banks part. Please resolve this as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX routinely checked my business account and see wire transfer. I immediately called Chase Fraud Division to report the XXXX that I never wire transfer and not to wire transfer. They ignored my instructions and wire transferred {$9800.00} to XXXX XXXX and then on XXXX once again wired to XXXX XXXX XXXX to a XXXX XXXX {$13000.00}. They fully acknowledged my calling them as they have it recorded. The funds came out of my Chase business account # XXXX. The investigation for the {$9800.00} is XXXX. The investigation into the {$13000.00} us XXXX. Now since this all began I have been told that there is no record of this matter ; no recording ; no claims filed and I have often been brought to tears. Finally I was told that Chase has requested the money from the receiving banks but they refuse to release it because the person who was supposed to get my money won't agree to return it! At this point I withdrew all of my accounts, everything they had of mine. I have repeatedly called and lied to -- they simply don't care. FYI my husband XXXX  on XXXX from XXXX XXXX XXXX XXXX Unbeknownst to me he cancelled everything we had. He left me XXXX  to live on so therefor at XXXX XXXX XXXX soon to be XXXX I work full-time as a realtor ; that is the only way to survive. For sure U can not live on his XXXX  of {$2200.00} a month. The {$23000.00} that Chase has stolen from me us a huge amount. Also in the way they have mistreated me. Every single phone call I am lied to ; and they refuse to take responsibility for what they did when I instructed them not to. Please, please help me.
Product: Credit card

Capital One approved me for a Neiman marcus credit card with a limit of {$1000.00}. They have since restricted my card for no reason at all stating that I need to send 3 months worth of bank statements with none of my information redacted. This has put me under a lot of stress and duress as it is illegal for a creditor to discriminate based on Sex ( sexual orientation & gender identity ), Race or Color. I have been already approved for the accounts that I've mention above by their underwriting standards. The 14th Amendment provides, in part that no state can " deny to any person within its jurisdiction the equal protection of the laws. This company is violating my consumer rights. The Truth In Lending Act 1968 15 U.S.C. CH. 41 1601
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. 
He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.
Product: Debt collection

I have been receiving a minimum of 2 calls per day if not more. Each of my family members have also been receiving calls multiple times a day. I have emailed and mailed correspondence to Portfolio Recovery Associates , LLC asking them to cease and desist. This debt is no longer valid as I went through a bankruptcy and they are now trying to collect it and should not. They are harrassing my family members and this needs to stop. They are threatening to sue and this debt is old debt that is no longer valid as it was charged off. 

I received this letter at the beginning of XXXX and emailed and sent letters via mail on XX/XX/year> and they have still continued calling every day since even though a cease and desist letter was emailed and mailed to them. They are still calling family members and have not stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant.
Product: Checking or savings account

Excessive overdraft fees, made by Wells Fargo even if it was {$1.00} that was short on a payment.
Product: Credit card or prepaid card

Someone opened a credit card account and it popped up on my credit report. Account opened XXXX, JPMCBCARD. XXXX {$2800.00}, want account frozen and person found.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Checking or savings account

I had a wire transfer sent from another bank to mine at Wells Fargo. They deemed it to be a fraudulent activity. And froze my account and closed it seizing the money for quite some time before returning it finally. They would not give any explanations they would not discuss options or allow any kind of explanation. 
Because they refused to give a reason. They just deemed it to be fraudulent activity and eliminated my account without question. This was right before Covid hit I had a hard time going through without a bank account!
Product: Checking or savings account

We took out a loan with XXXX XXXX in XX/XX/2022 and setup with Bank of America to pay the loan with bill pay of {$520.00} on a monthly basis thru electronic transfer. Bank of America was unable to make the transfer electronically so after a week they sent a hard copy check ( dated XX/XX/2022 ) it the XXXX XXXX XXXX XXXX. This check was endorsed and cashed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. We were meanwhile informed that we were past due. XXXX XXXX had nor received our funds so we made a payment over the phone of {$520.00}. We also set up again a monthly bill pay with Bank of America to electronically pay {$520.00} each month which as worked correctly since that time. Since our inquiry Bank of America sent us a copy of the check ( letter dated XX/XX/2022 ) they directed us to XXXX XXXX for resolution and they have also opened and closed their investigations ( current Bank of America case number XXXX ) XXXX. After visits to the local Bank of America office and countless phone calls with XXXX XXXX and Bank of America, without any progress, Bank of America decided in the Fall of 2022 that the issue was with XXXX XXXX XXXX XXXX and them. More phone calls to Bank of America, and multiple, confusing letters as Bank of America bill pay customer service didnt understand that the letters they were copying me on were actually there multiple requests to XXXX XXXX  XXXX XXXX to complete and return to them an Affidavit of Non Receipt which was never sent back to Bank of America XXXX
Product: Vehicle loan or lease

My wife and I purchased a vehicle that broke down before one month of purchasing it. We towed it to a dealership to fix it, the cost was too high. XXXX XXXX  XXXX repossed the vehicle. 
I requested a settlement, they agreed for me to make a {$1500.00} payment to remove it from my credit profile. After I made the payment since XX/XX/2021, I have been calling them. Every time I call they say they will remove it but they never did. They asked me to dispute it so That it can be removed faster, I did, then they replied it is accurate. That was the only money I had. I made a sacrifice to make the payment, now that they have taken the money, they refuse to honor their commitment. They played with my willingness to pay and they lied to me. 
Please, I need help. I have been unable to buy a vehicle since then, I am unable to go to work. They have caused me so much pain. I need them to remove this from my credit profile and compensate me for the hardship they have caused since XXXX of last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$550.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX  XXXX {$4000.00}
Product: Checking or savings account

This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. 

Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. 

Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60 days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. 
As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX  Balance {$5500.00} Date Opened XXXX XXXX, XXXX TransUnion Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update to compliant : XXXX They have now opened the dispute again, yet on the XXXX sent me a nasty letter that they refuse to dispute. They included a new credit report and of course, it clearly indicates I'm two months late on XXXX XXXX XXXX. This is getting absurd. I AM NOT LATE ON ANY ACCOUNTS. It was closed in XX/XX/XXXX. I have attached all the attachments yet again along with their new credit report. This is fraud. The indicate it will take them 30 to 60 more days all the while my credit SCORE is low due to their fraud. 

Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. 
Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late  payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 
XXXX XXXX XXXX XXXX Past Due Amount : {$XXXX} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$XXXX} Balance Updated XX/XX/XXXX Original Balance {$XXXX} Monthly Payment {$XXXX} Past Due Amount {$XXXX} Highest Balance - XXXX XXXX BRIGHT RED N Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. Your most recent missed payment happened 2 Months ago
Product: Credit card or prepaid card

XXXX   XXXX ,  2017 , I opened a Pep Boys credit card to take advantage of the 6 months same as cash offer that is advertised on Pep Boys web site and at their store in  XXXX , CA. Pep Boys uses Synchrony Bank for their credit cards. I was approved for more than enough to cover the repair however, the Synchrony Bank representative told me I could not use the card for my current repair purchase and had to wait until I received the card in the mail to use it. I would not have spent the time opening the card if I could not use it for the current repair purchase and take advantage of the 6 months same as cash offer. I have no complaint with the service person at Pep Boys. He was very patient and accommodating. I do have complaints about the attitude of personnel at Synchrony Bank.