23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX account was illegally opened as XX/XX/XXXX account and should of been a prepaid account I never received a letter from the collection agency.

XX/XX/XXXX I was informed by a XXXX associate that I pay balance in full it will be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I do not recognize these inquires on my Equifax credit report. 
I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 


Equifax XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2017, I purchased tickets to a XXXX XXXX XXXX game from XXXX. The XXXX website stated I would get to select the section I sit in, but instead the tickets were automatically assigned to me leaving me no choice as to where I sat. They made a false claim. The tickets that were assigned to me were very different from anything I wouldve chosen or paid for. I immediately contacted the company to get a refund as this was a very different product from what I intended to purchase. They refused to issue the refund and provided no meaningful reason for this decision. I disputed this charge with Ally as this perfectly fits the criteria for a chargeback since the item I was sold was substantially different from what I received. Ally responded that they would not issue the chargeback because XXXX has a no refunds policy - they have never addressed the fact that the product I received was significantly different from what I was told I would get. In other words, they have no substantial basis for denying my chargeback and they can only move forward by attempting to deflect from the main issue that the product I received was significantly different than advertised by responding with the non-sequitur that they dont issue refunds. They have incessantly lied to me alternating between saying that they go based on the XXXX chargeback policy ( in which case I am absolutely due a refund ) and that they have their own chargeback policy - when I ask for copies of their chargeback policy, I am told that it is confidential and proprietary, clearly indicating that it does not exist. They have also lied about an executive customer relations team reviewing the case and contacting me - nobody has ever done such a thing and it is unclear if such a team even exists. The bank is refusing to abide by their own policies and I have been deprived of XXXX  XXXX dollars plus interest as a result. The ethics of the bank are nonexistent as the excuses and lies have come from a multitude of individuals I have spoken to who hold various positions, indicating that this unethical approach is institutional.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a problem with Experian, XXXX, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX Plan-it ( copyrighted ) service. These companies refuse to acknowledge the function that " Plan-It '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " plan it '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the 1970 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.
Product: Credit reporting or other personal consumer reports

I sent a police report and Federal Trade Commission ( FTC ) Identity Theft Report to Experian and Equifax for an existing problem and errors on my Experian and Equifax credit report that has not been corrected or resolved. The following credit card accounts and inquiry currently listed on my Experian and Equifax credit report, is fraudulent, not my accounts and the result of identity theft : XXXX XXXX XXXX XXXXXXXX, {$1000.00}, XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX, {$860.00} XXXX XXXX XXXX, {$430.00} and hard inquiry : XXXX XXXX, XX/XX/year>
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 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 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

Currently do not have an account with Capitol One they did a hard inquiry on my credit and I did not authorize them on this date XX/XX/2020
Product: Bank account or service

XX/XX/XXXX I filed a credit card dispute with Bank of America against a vendor XXXX. Originally Bank of America issued a credit but 60 days later they reversed that ruling. This is after I received an " interesting email '' from the vendor. 
From : XXXX Date : Sat, XXXX XXXX, 2015 at XXXXSubject : from XXXXTo : **********Hola ********. Hope everything is ok and wonderful over there. 
I just came back XXXX, my wife was very sick XXXX we just check our e mail, and the bank XXXX said that you claim your money and they send it to you back. 
I dont think it is fair from you guys, you look honest. my thinking is because you are XXXX XXXX friend you were like them. honest. I can see you are not, unless you send me the money that belong to us. or just send us back the merchandise. 
you got -- -- - XXXX purple artesanal big from $ XXXX to {$75.00} XXXX XXXX coconut artesanal small $ XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$120.00} XXXX. 
tax16 % XXXX -- -- -- -- -- -- -- -- -- -- - total -- -- $ XXXX with the bank exchange rate by that time give us a total XXXX $ XXXX XXXX ACTUALLY. Also I gave you a free big bottle of tequila XXXX. 
I dont think is fare from you to do that. 

Please., DO NOT RIP US OFF. we do work, and we were very, very nice and polite to you. so we can not sponsor you. It wont be nice to knock your door with the police to claim my bottles or money, but it will include my air plaine ticket. It is not the money is because you are not honest. 

I am sending a copy to XXXX, I want her to see what king of people you are. 

The information is not correct in the email either.
Product: Credit card or prepaid card

I previously had an American Express XXXX XXXX credit card. I cancelled that card. American Express then offered me a sign up bonus for their new XXXX XXXX XXXX. I paid {$75.00} dollars XXXX annual fee ) to get this new card. The new card has a different name, different features, a new sign up fee, and also looks different ( XXXX, etc ). On the cards terms and conditions It states that the sign up bonus is not available to applicants who have had this product. XXXX is not giving me the sign up bonus for the XXXX card because they incorrectly claim that the XXXX card and the XXXX card are the same product. For the reasons stated above they are not the same product and American Express should give me my sign up bonus or refund the {$75.00} I paid for the new card.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I noticed that my credit score had dropped, and it showed a delinquent card on my credit report. The issuer was Chase. I have a personal chase card, but have always paid all balances on time. I called Chase to ask what this was and they informed me that it was a business card.

I told them that I had never applied for a business card and do not own a business. 
They told me that in XXXX of XXXX, Chase approved an application for a business card to someone in New York. Apparently that person made purchases over the limit of the card and never paid any bills for it. 

I was never given details and they told me they would report it as fraud and remove it from my credit report. 
In XXXX of XXXX, the card remains on my credit report. I called Chase again, and was transferred to 10 different people who were unable to help. The 11th person looked at the letters sent and found that they were all sent to New York. I have never lived in New York and was never contacted in any way in regard to this account. Chase informed me that their fraud team did not receive a response, and therefore assumed that I was responsible. They then transferred me 3 more times and I finally got a person that took my number and said they would call me back. They never did so.

At this time, my credit rating went from XXXX to XXXX because Chase issued a card to somoeone else and somehow associated me with it. I do not know what information is on the account, I do not know the account number or anything about it and appear to be unable to get Chase to act. I have been unable to reach anyone that can explain this.
Product: Debt collection

After living in XXXX for 49 years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can XXXX, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. I simply want this removed from my credit report and the balance to be cleared as it was originally promised. 

Update : as of last week, this debt was cancelled by the former collection agency per the complaint number below and has now been sold to another agency creating the same problems for me. 

XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report and identified some unauthorized items from my file. These items need to be blocked and deleted from my file immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Checking or savings account

Spoke to several customers representative about my balance not matching what was actually available causing my account to be overdrawn.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX I file a complaint with Cash app regarding paying for services I never received and that the receiver of my funds of {$250.00} refused to pay me back my money and refused to complete the service. I sent pictures as well as all other information that was requested by cash app. Cash app requests me to send the information in 2 additional times. The last time I refused and I felt like they were not taking me serious as a customer. My cash app name is $ XXXX my phone number associated with the account is XXXX. The information regarding the receiver XXXX XXXX that they request cash app name is $ XXXX his phone number XXXX the transaction number XXXX. Time and date of transaction -XX/XX/XXXX @ XXXX
Product: Debt collection

The company called my cell phone attempting to get in contact with my girlfriend 's sister. When I said it was not her number they became confused and ended the call. They did not identify themselves as a debt collection company, but XXXX search results suggest it was Midland Credit Management calling. They called today, XX/XX/2019, at XXXX XXXX.
Product: Student loan

When my loans first went into repayment, I tried to refinance with Navient, but they would not help in anyway. My monthly payment was over {$1200.00} a month and they said if I could n't meet that, that the loan would just go into default. I struggled with monthly payments which affected my credit. 

Then, when I my interest rates started to go over 10 %, I pulled from savings and asked family to help pay off the loans because the interest was so high. One of the checks that a family member had gifted me, I sent to Navient with instructions on how to apply it to my students loans and they misplaced the check. They received the letter ( which was in the same envelope as the check ) but had no proof of the check. I then had to contact my now deceased grandmother 's bank to get proof of the check and show it to Navient. The bank luckily had a picture of it ( which they said they would only have if someone deposited the check, meaning Navient deposited it ) so uploaded it to my Navient account. 

Navient is still delaying processing the payment, saying " they need more time to research the payment '' and wont even give me a timeline for when they think it will be complete. This has been an ongoing issue for over two months.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Agency- Stellar Recovery My husband and I are the underwriting process of purchasing our new home. on XX/XX/XXXX I received an alert of a new collection account from Stellar Recovery on my credit report. I tried calling the number listed on the credit report but it was not an active working number. I immediately researched agency and sent them an email disputing the collection and filed a complaint with the 3 credit bureaus. I sent two physical letters to two different addresses ( Montana and Florida ) associated with the business. I contacted my bankruptcy attorneys and they sent a letter to the company on my behalf. I left an inquiry on the agency 's website. I 've called the company at other phone numbers I found online 3x but could only leave messages. I then did a search in my spam email and found they emailed me 4x in one day on XX/XX/XXXX before placing this on my credit. ( Three of those emails from the agency were addressed to 3 other individuals providing me with their names and addresses. The email addressed to me never stated who the bill was from, the amount of the bill, or that it was an attempt to collect a debt. The company has not returned any of my calls, emails or inquiries. My credit score has decreased by 30 points due to this and we are still waiting to hear how this may impact our chance of buying a new home.
Product: Debt collection

They call from multiple numbers sometimes from different states to get people to pickup. So far this month I have received 5 calls. I do not want to talk to this woman who has my case file. I have never had issues with collectors beforw. But this whole thing seems fishy to me. When I got evicted I only owed XXXX that was what was on my eviction notice. About 7 months later I get a call in the middle of my college class, not one call almost about 10 to 20. I thought someone in my family died. The lady would n't let me get off the phone to go back to class and so I hung up. Week or so later I get another call, and I 'm trying to figure things out there were some issues with the apartment like mold that I needed to get an answer for and she kept talking over me yelling saying that I said I 'm refusing to pay the debt, that I have n't given anything in 6 months and that I 'm irresponsible and that she was going to call the apartment complex I rented from that I qas evicted. Now I disclosed to my landlord that I was evicted and I rent from a place that allows to rent with evictions so I covered my XXXX. They threatened to call my parents who have no connection to the lease I signed for the apartment I got evicted from and I told them they were not to do that because they did n't sign anything and we 're not liable and could n't help me out anyway. I just got berated and talked over the whole time. They call me at least 5 to 10 times a month. I got some legal advice because apparently they are tacking on interest to my bill which when I got the letter from them finally saying what I owed it had gone from the XXXX on my eviction notice to XXXX dollars and now I 'm up to almost XXXX dollars. I do n't give them anything because I have n't received a statement of everything I have charged for the lady told me over the phone, but I do n't even know what I am paying for. I feel violated and do not appreciate the aggressive behavior that has been exhibited by them. I also asked to speak to the owner or the head of the company and they refused to connect me with him so I do n't know what 's going on. I looked them up online and there are pages of complaints by people saying the same thing I have they get harassed, multiple phone calls, threats to call third parties, threats to call apartments we rent from. I just wanted to let y'all know that I read the fair renters act or law and they break quite a few things on it. I also got asked to settle by XX/XX/XXXX for XXXX or something like that and XXXX by XX/XX/XXXX. With my job I ca n't make that ever, not even close I work for tips and even if I worked every day all day the entire month I would be nowhere close to that. They seem to set high high expectations and I ca n't do it.
Product: Credit reporting or other personal consumer reports

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - XXXX  Address - XXXX Employment - XXXX  You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 
XXXX XXXX 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
Product: Checking or savings account

I have several Certificates of Deposit ( CDs ) at PenFed. I need to " cash out / close '' XXXX of those CDs, with the net proceeds being deposited into our XXXX XXXX Account at PenFed.

Per PenFed XXXX direction, I have submitted formal request ( XXXX ) via email to XXXX asking for the XXXX CDs to be cashed out. 

The formal request included the following specifics : acknowledgement and acceptance of the " early withdrawal penalty '', specific account numbers and dollar amounts of the XXXX CDs in question, specific account number of the Money Market Savings account which I'd like the net proceeds transferred to upon CD closure, and a .PDF containing the entire request with " wet ink signatures '' from myself and my wife ( joint accounts ). 

After XXXX formal requests ( initial request sent on XX/XX/XXXX and a follow up request sent on XX/XX/XXXX ), PenFed refuses to respond or even acknowledge the requests as of today XX/XX/XXXX. 

We have significant near-term needs for this cash ( XXXX XXXX XXXX XXXX XXXX XXXX ), and PenFed 's refusal to take action or acknowledge the request may cause potential unforeseen financial hardship onto us. 

Kindly requesting CFPB to intervene here to hopefully facilitate timely resolution. Thanks so much in advance.
Product: Debt collection

Central Portfolio Control , Inc. keeps attempting to contact someone with the same given name as me, but a different surname. I have told them numerous times that they have the wrong number and to stop calling and texting me. I had previously called a second time and threatened that I would report them for harassment if they didnt stop. I was informed that my number had been registered as a wrong number and I would not be contacted again, but I had called in response to yet another text from them. I am still getting texts for someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 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 a account without my written instructions. 

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: Money transfer, virtual currency, or money service

My Suntrust Bank debit card was scammed by XXXX XXXX merchant, XXXX payments for XXXX were taken from my account in a matter of minutes. I received the alert on my phone and immediately called Suntrust. 

The scammer from XXXX XXXX took {$1500.00} from my Debit card account. I had my card in my possession. 

Suntrust denied the fraud claim stating inconsistencies.