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

Individual : Bankruptcy XXXX XXXX, XXXX - {$0.00} Discharged CH-XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type Individual Responsibility Individual XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$160.00} XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$27.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$21.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$96.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$190.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$63.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$29.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$23.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$430.00} Needs Attention Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$39000.00} Needs Attention XX/XX/XXXX Creditor Name XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- accounts not mine or ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}
Product: Credit card or prepaid card

I have called 3 times and unsubscribed from being sent convenience checks and I am still getting them in the mail. They are not wanted and are putting my credit status and identity at risk without my permission. Citibank has failed to stop sending the checks for over 1 year.
Product: Money transfer, virtual currency, or money service

There is multiple transactions from cash app totaling {$1700.00}. I reported these transactions as unauthorized to the company Cashapp in time. The company then gave me a bunch of excuses in writing, that I cant do anything about it. Their support is less than helpful. I tried to dispute through my bank, but my bank is saying, I have to dispute through cash app due to the terms and conditions agreed upon when signing up through Cashapp. The bank and cash app are in violation of EFTA. My recent contact with cash app, they told me to contact my bank since I already filed the claim. My bank has already denied the claim as failed to send-mail correspondence on the claim. I suspect the bank and cash app are colluding against customers. Cash app refused to file a claim being that I already have a existing claim through my bank, even though that claim has been decided upon against me illegally according to regulation E. The bank and Cashapp are violating the consumer protection laws and are being arrogant and disrespectful about it. 

The chat history you mentioned where I claim the recipient didnt honor the agreement was regarding another transaction for another recipient. There are multiple recipients for these transactions and for this claim. Your attempts to make that an overall excuse to justify these transactions as valid shows you enable fraud and abuse and couldnt care less about your customers. Im sure the recipients are felons with inactive accounts on their end. There was no verification sent to my email or phone when these transactions were made, despite the fact there are a lot larger than the transactions I normally made in the past your customer service is lousy and less than helpful. See reference here as proof of your lousy customer service. 

I mentioned in the chat history, which you didnt mention in your response, about a former roommate who stole from everybody in the house , probably initiated the transactions, which she didnt have my permission to do so, but yet you failed to mention that in your response, even though I added that image of the chat to the initial complaint. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 I applied for a Discover credit card that offered a Balance Transfer I was approved for the card with a {$12000.00} limit During the application, there was a form for a balance transfer. 
I filled the form requesting a balance transfer from XXXX XXXX account # XXXX in the amount of {$2900.00}. I did not receive confirmation that the balance transfer was accepted or pending at this time. There was on information on the application or in either email received on XX/XX/XXXX or XX/XX/XXXX On XX/XX/2023 I received the Discover card in the mail and called to activate the card. 
Account number # XXXX On XX/XX/2023 I created the Discover online account. 
I checked the Balance Transfer page in my account. 
There were no pending Balance Transfers listed at that time. 
I received no indication that there was a pending transfer either via mail, email or in the online account. 
At that time, I still wished to proceed with a balance transfer request, so I put in a request for a balance transfer from XXXX XXXX account # XXXX in the amount of {$3200.00}. 
I received this notice via email : " XXXX XXXX, we got your balance transfer request Here are the details : Transfer Amount : {$3200.00} Financial Institution : XXXX  XXXX ending XXXX XXXX Rate ( XXXX ) : 0 % Estimated Transfer Fee : {$97.00} Offer Duration : 18 months An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 5-7 days. 

Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited. 

And when it posts to your account, you'll get an email from us. '' To clarify, I NEVER received a confirmation like this for my original request either on the approval screen, by email, or by any other form of communication. This is where I feel the error lies with Discover ; the absence of any such confirmation is what prompted me to request another balance transfer. If there had been any indication of pending or accepted balance transfer request in process, then I would have never made a secondary request. 

XX/XX/2023 I received two emails stating that each balance transfer request has been processed. 
This has resulted in a balance of $ - XXXX in my XXXX XXXX I contacted Discover twice to request resolution because there was never any indication that the original balance transfer request was received, pending, or accepted. 
I requested that one or both balance transfers be reversed. This was denied.

I requested that one of the balance transfer fees be refunded. This was also denied.
Product: Money transfer, virtual currency, or money service

About {$1000.00} or more from XX/XX/year> to XX/XX/year> was received in different amounts explained each time it was from someone unknown. never took the money back. Then whoever was sending the money would go and tell them I scammed them out of the money never sending what was sent claiming I was a small business. I explained multiple times I do not have a business was never involved in any sort of thing and that I had call them first to make them aware of said situation. I was then blocked and banned from Zelle due to the amount and how many complaints were on me.
Product: Debt collection

I recently lost my job and since day one of that happening I contacted SkyTrailCash in order to try to work out a repayment plan since my income changed due to being laid off. I offered to make $ 40 monthly payments in order to prevent the account from defaulting even more. But all I've encountered by this company is pushback and trying to make my pay my regular payment of almost {$100.00} per paycheck. I don't know what else to do in order to get this resolved with these people. Please advise.
Product: Credit reporting or other personal consumer reports

Requested a Cease and desist to XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Account Number XXXX **Subject : ** Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am writing to inform you that I refuse to pay the alleged debt associated with your collection efforts.
Product: Vehicle loan or lease

My loan was being serviced by Suntrust, who was bought out by Truist Financial. Since the merger, I have not been able to get in touch with anyone at Truist Financial to service my loan. I have decided to refinance my vehicle with a local credit union and they have tasked me with obtaining the loan buyout documents from Truist, but I can not get a hold of anyone at the bank. I've tried waiting for hours and hours on hold, but no one has ever answered their number. There has never been a time I have called when the hold queue has stated anything else than " more than 60 minutes '', and I have tried looking up employees of the company and emailing them, but have not been able to get any responses. I can not service my account at all with this institution and no longer want them to service my account. Due to this, I am being forced to bank with Truist against my will, and would please like any help I can get. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2024 fraud was done to my account. Wells Fargo sent my ATM card to a completely different state and address without my permission of address change and there were ATM withdrawals done on the other side of the country. I never had my ATM card in my possession that I ordered there were multiple trends actions done. Wells Fargo credited me for pending transactions immediately but I feel they did not even look into the ATM transactions. They denied my claim and closed it. I have made a police report at the XXXX Police department the police report number is XXXX XXXX XXXX. I would like them to pull camera footage from the ATM in New York that this money was pulled out of to prove that it was not me doing it. And I would like my {$2900.00} return to me. I never changed my address for the card to get sent to New Jersey. I don't know why it got sent to New Jersey I live in Oregon and the transactions were done in New York. I don't understand why I got credited back for pending transactions with the card that was never in my possession but they won't credit me for ATM withdrawals with the same card that I never had in my possession.
Product: Credit card or prepaid card

OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a real huge problem ok I'm a victim of identity theft an my credit report is horrible from what I see I can't even apply for credit because I have so many unauthorized things that people using my name my social security number to get things that I wasn't aware of now I been trying to settle this situation for a long time ok I don't even have a credit score now because of all these hard inquiries please help me how can I get a claim started from being a victim of identity theft is there anything that you can help me out with immediately I need these inquiries disputed off my credit report ASAP
Product: Checking or savings account

On XX/XX/2021 cash app sent over a fraudulent statement stating that they had a valid reason to denying my unauthorized transaction claim. 

They stated I did not provide supporting documentation? When I asked what supporting documentation was needed they failed to respond. 

They stated that I never answered questions about my account that is also false! 

Their agent XXXX also falsely stated that she initiated a claim and within 13 mins she denied the claim with is a federal offense. Square/ cash app has committed fraud and I simply want my money back. I wont stop until this company is held responsible! I am willing to go to all media outlets! 

The claim was submitted before the 15 and nothing had been been.
Product: Credit reporting or other personal consumer reports

I was asleep on XX/XX/year>, then i woke up and checked my phone. I saw an alert from XXXX XXXX stating " A Hard Credit check was just added to your credit report " I then went onto Credit Karma and saw a hard inquiry from OneMain Financial processed on XX/XX/year>. I immediately called OneMain Financial but the automated machine said they were closed. I called OneMain Financial again on XX/XX/year> and they directed me to their fraud department where I opened a case which is still pending. 

Also, on XX/XX/year>, I received a letter in the mail from XXXX saying " We're concerned someone may be using your personal information fraudulently and declined an application because of this. '' However, I never applied for a loan with XXXX. 

So far, I have freezed my credit report with XXXX, XXXX and XXXX on XX/XX/year>. And I have placed XXXX XXXX with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, Experian, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.
Product: Credit card or prepaid card

I received a notice in the mail that Bank of America was closing my credit card They said from lack of use, which is fine, but I received NO notification? So they cancel a card in good standing without telling me. When I received the letter about my card being canceled, they said the matter was closed and they were unable to change it. They said I could re-apply, but Bank of America would have to make a credit check, which hurts my credit. Bank of America closing of my account also hurts my credit.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  Balance : {$0.00}.
Product: Checking or savings account

I opened a savings account with XXXXXXXX XXXX on XX/XX/2023. I saw them in a search for high yield savings on Bank Rate. I also looked them up online. 
Their online ad states " XXXX Offers Interest And Miles- Earn Miles And 4.75 % APY, Why choose one " I spoke with two customer service reps for XXXX regarding opening the account. I told one of them I was happy to find them because they pay a reasonable interest rate where my bank is paying only a fraction of a percent. I was opening an account that also ( I thought ) awarded XXXX XXXX miles in addition to the interest rate. 
Over the course of XXXX, I deposited a total of {$19000.00}, with several deposits. 
I checked on XX/XX/XXXX to see what my interest was that had accrued. There was nothing. I sent an email and asked how and when it accrued and when it would go into my account. I have not received a reply. 
I chose XXXX because of the interest rate and the miles. I am selling my home and will make a considerable deposit later this year and I am moving to an area where XXXX XXXX XXXX will come in very handy. 
After not hearing back, I decided to do a very deep dive into their website and after 20-25 minutes, found a deeply hidden and small print statement that the airline miles account does not offer a cash interest payment. 
I called today and talked to a representative who said I should have known based on the rest of the ad. I feel it is very unclear. I was NEVER told anything by either rep I spoke to when opening the account. It was not clarified that there was not both interest and miles. Nothing I signed told me this. 
I feel their ad is quite misleading. There is a BIG difference between " AND '' and " OR '' AND is in addition to and OR is choose one or the other. 
I asked that my account be changed to interest bearing and was told I'd have to handle it myself. They also are, so far, refusing to adjust my account as if I had opened the interest nearing account and not the mileage account. 
Customers should not have dig and dig into a website to find out the rules regarding an account they are opening. All aspects, especially those not normally considered by a lay person, should be clear, concise and obvious, and the representatives should make sure they have agreement with the customer before going forward. 
I've included the ad on the XXXX search as well as the info page from the website on the XXXX account. No mention of no interest accruing. 
Information on the account that it does not accrue interest is on the Privacy and Disclosures, Page 27, 10+ clicks to find.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.