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

The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX. <P/>Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. <P/>On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. <P/>Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. <P/>This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.
Product: Credit card or prepaid card

XX/XX/XXXX - I've signed up for XXXX XXXX Newsletter ( recurring charge of {$550.00} per 3 months ) with my card ( acc ending with XXXX ) In following year made 4 payments to XXXX XX/XX/XXXX - received year free subscription due to poor service from the newsletter XX/XX/XXXX - cancelled my subscription XX/XX/XXXX - called CITI to close this account ( concern about being charged again despite cancellation ), CITI associate advised that no need to close the account - changing card number will be enough. 
XX/XX/XXXX - received new card ending XXXX XX/XX/XXXX - new charge of {$550.00} from XXXX to new account ending XXXX which I've never given out to the newsletter Immediately opened dispute - initially charged was reversed and acc changed again to XXXX XX/XX/XXXX CITI put back the charge back on and started charging me interest. 
I've made many attempts to resolve this and was assured the dispute is still opened and will be resolved - so far no luck. 
I think I've done all I could to prevent this outcome and this a negligence on CITI part - I shouldn't be the one paying for someone else 's mistakes.
Product: Checking or savings account

On XXXX XX/XX/2022 I was XXXX at a bar and coerced into a car of the individuals who XXXX me. They stole my newly issued Chase Debit card ( the pin had been written down on a piece of paper in my wallet the card was so new, which is how they were able to access my funds ), along with my phone so I was unable to lock these cards until after the transactions were made. Between roughly XXXX - XXXX, these thieves made 20 fraudulent charges on my Chase Debit card. 1 charge was for {$800.00} as an ATM withdrawal, and the other 19 were a combination of purchases and {$100.00} cash-back transactions at XXXX and XXXX around the state ; these totaled {$2400.00}. In all, I was robbed of {$3200.00}. After being dropped off in an unknown area of XXXX, with no phone I made it home and immediately went to the nearest XXXX XXXX at roughly XXXX on XXXX XXXX. I called there fraud department on there office phone, and then multiple times over the next 3 weeks in pursuit of my claim. I was given {$800.00} of credit for a short period of time but then it was revoked. I was informed by Chase that I needed to file a police report, which I attempted to do but had just sold my car and couldn't complete the police report online so I could never fully fill it out. Chase told me that 20 transactions in the early morning, made all over the state ( a week after I had sold my car and have the receipt to prove it ), involving thousands of dollars of cash-back transactions, WAS NOT FRAUDULENT in nature. They revoked all provisionary credit and closed my fraud department claim. I never received any apology from Chase for allowing this thievery to happen. At the time i was unaware of what to do, until recently I discovered the CFPB.
Product: Money transfer, virtual currency, or money service

My account was permanently limited for no reason and now they are holding my {$200.00} and wont let me withdraw money. 
My account email is XXXX and the transaction date was XX/XX/XXXX.
Product: Debt collection

I 've received XXXX calls from West Asset Management since XXXX XXXX about a debt owed by XXXX XXXX. I 've told them XXXX times that my XXXX XXXX is my child and they must have the wrong number. They confirm by asking " XXXX XXXX. XXXX? ". I tell them the middle initial is also wrong. I 'm then told that my number will be removed from their records, only to be called again the next day. 
I asked if they just go through a phone book and pick a name that 's the same and he actually replied " pretty much ''.
Product: Credit reporting or other personal consumer reports

I placed a DISPUTES with POPULAR AUTO ( Banco Popular de Puerto Rico ) and Popular Auto creditor about the erroneous balance and other information in Popular Auto account XXXX on my XXXX Credit report. 

XXXX informed me that they verified with this creditor " that the balance is being reported correctly '' when on the other hand, when I asked Popular Auto directly to correct the credit file, they responded admitting the disputed proceeds and moved forward to revise and updated the file. Clearly contradictory. 

XXXX dispute system is not recognizing the invalidity of this credit file, is not making a real investigation and negligently allowing a disrupted creditor abuse credit reporting and harm me. Bankruptcy documentation provided is enough for XXXX to correct the file, if they truly investigated, they would not have any doubt in correcting the file at once. 

This account is 20+ years old, discharged in my bankruptcy 18 years ago, therefore the balance must be {$0.00} and this credit file must not be reported on my present XXXX credit report. 

Popular Auto must correct, on its own with the documentation, the credit reporting for this account. XXXX must recognize my bankruptcy protection and also, on its own correct the file. 

Together, these two companies conspire and cover each other for allowing persons inside their organization deploy corrupted procedure directed to harm targeted consumer with false information in credit reporting. 

XXXX complaint against XXXX # XXXX is also open for further review of XXXX business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX Have violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) years. 

15 USC 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 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.

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 inructions 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: Student loan

I have a student loan with the company ACS based in XXXX, NY. I have been unfairly charged interest amounts due to lack of attention to my account. I have also been denied the ability to pay in a timely matter. I have served in XXXX XXXX and I have been given money to pay my interest payments while in service. ACS has not accepted the payment action requested by XXXX XXXX to issue the interest payment. My first request was in XXXX 2016 and I have been dealing with customer service reps that have told me that they have not received any request. I resubmitted my interest payment request XXXX XXXX, 2016 with a rep on the phone and was told to wait 2 weeks. Today is XXXX XXXX, 2016 and there was still no action taken on my account. I was once again met with " We have no request on file ''. I asked to be connected to a supervisor, I was connected to XXXX XXXX. She was able to find the request and told me that it was being audited. When I asked the following questions I received the answer " I Do n't Know '' each time. Question 1- Why have your reps not been informed of this audit? Question 2- When will the audit be completed? Question 3- Will it be completed while I am still able to use my XXXX XXXX XXXX? I then requested to speak to her supervisor and was connected to XXXX XXXX. Her response was I ca n't tell you any more than XXXX.
Product: Student loan

With updates to the PSLF and TPSLF programs, I am seeking stundet loan forgiveness again. 

I have always fully qualify for public student loan forgiveness, but over ten years keep getting more and more red tape.

I have worked for two approved employers working an average of 30 or more hours per week, made 120 qualifying payments, consolidated my loans with FEDLOAN Servicing, and provided all necessary paperwork. 

They keep forcing me to resubmit my application which means going back to my employers for them to fill out forms again, again, and again. 

They have my IRS information, EIN for employers, contact information for my employers, and EVERYTHING they need to make a determination.

Instead they continuously send me a vague general correspondence saying they need something else or something corrected on my application.

The U.S Department of Education and PSLF program is CRIMINAL!!!!
Product: Credit reporting or other personal consumer reports

The information from the department of education is not reporting correctly on each bureaus. The credit report has reaged an account that was started in XXXX  The original creditor was XXXX XXXX it has not then been switched to XXXX. But upon the switch the started the account over again as if it was newly made. This account should be deleted from showing on credit report according to 15 U.S.C. 168XXXX provides consumers with the power to dispute inaccurate information that is listed on their credit reports. With this being done it has cause done damages to my credit report since the switch and not allow me to access the correct information or privilege as others. Even after disputing with these bureaus it has com back accurate and verified. This shows the investigation into this matter was not taken seriously. The damages done should be even greater for the years of not correctly looking into this false reporting which is a clear violation of FCRA.
Product: Debt collection

XXXX XXXX XXXX Dear Prop Receivables, Re : XXXX XXXX Account XXXX XXXX This letter serves as formal notice of my final demand for the permanent removal of the false debt you have furnished on my consumer reports for XXXX  months. Despite numerous attempts to resolve this issue amicably, your company has ignored my cease and desist letter and refused to correct this error. 

Key Facts : I never provided consent for your company to access or share my nonpublic personal information. 
I previously sent a cease and desist letter, which was ignored. 
Financial records demonstrate discrepancies in your reporting. 
This item is not, nor has it ever been, a consumer credit transaction and should not appear on my consumer report. The Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
The debt was canceled in XXXX of XXXX, is non-collectible, and is legally my income that I have never consented to you publishing. 
Your actions have harmed my employment prospects in multi-family housing, resulting in XXXX lost job opportunities. 
You are reporting my nonpublic personal information to a publicly traded corporation that has securitized my consumer reports and profiting on your fraudulent I hereby revoke any implied consent your company may assume it has to share my nonpublic personal information, as permitted under the Gramm-Leach-Bliley Act ( 15 USC 6801 et seq . ) and Demands : Permanently delete this item from my consumer reports by XX/XX/XXXX. 
Provide the names of your executives, officers, and surety bond information. 
Immediately Compensate me {$20000.00} USD., comprising $ XXXX for XXXX  months and {$6000.00} in damages. 

Consequences of Non-Compliance : I will be Filing a lien against your surety bond for its full amount. 
Pursuing a federal case seeking damages twenty times the amount reported for securities fraud. Seeing how I have no contract with your company, I have no arbitration agreement, and at this point your willful violation of me is bigger than just civil. 

I have filed complaints with relevant authorities. Confirm receipt of this letter and indicate your intention to comply. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft or improper use of my information and should be blocked : XXXX XXXX XXXX | # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately with these account. Here I add the FTC report, hoping that you make a better work in this situation, thank you.
Product: Credit reporting, credit repair services, 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. 

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 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 15 U.S.C 1681 section 602 A. states I have a 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 take 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: Mortgage

I applied to re-finance my home in XX/XX/2018 with 360 Mortgage- since they were my current mortgage I though the process would be easier. The initial process went very smooth -- our application was approved and all documents were signed -- the appraisal ( which raised some eyebrows was {$700.00} ) which is not industry standard but we agreed. 5 days before we were about to close I received a call from the underwriter stating that she denied the new loan due but could state why. 20 days later I was informed my loan was sold to XXXX XXXX. I would like the money paid for the appraisal as the selling of my loan should have been noticed beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requesting from XXXX XXXX to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, Transunion and XXXX all continue to verify this bankruptcy all siting that XXXX XXXX their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor XXXX XXXX, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

XXXX XXXX does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore XXXX XXXX is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and have some hard inquiries on my report that I do not recognize. 

XXXXXXXX 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 card

I have multiple accounts appearing on my credit report with the same company ( Total Visa ) or under the same parent company umbrella. These accounts were opened in my name Maiden name ( XXXX ) and now are reporting a non-payment status ( 120 days or more past due ) which is without my knowledge and it has been an adverse effect on my credit report and score. I got married several years ago and I have changed my name with Social Security as well. These accounts were opened after I changed my name etc. This company still has all the past-due accounts under my maiden name. I have contacted this company via US mail numerous times with no response to date. There are XXXX separate accounts from this Credit card issuer all appearing on my credit report. The accounts are now being listed as charged off but every week they are reporting a past due status to all three credit bureaus of 120 days past due. Is it legal to report negative status credit status every month to : ( XXXX, XXXX and XXXX ). 


XXXX. TOTAL SELECT/XXXX has flagged your account as XXXX Days Past Due. 
Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX has flagged your account as XXXX Days Past Due Account ending in XXXX Address : XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. Total Account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

On XX/XX/2018 i sent a letter requesting to verify this debt that's supposedly owed. This company has yet sent me any information regarding my request to verify this debt.