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

On XX/XX/2021 ( transaction date ) I made a one time purchase by phone from a TV commercial for One ( 1 ) bottle of XXXX XXXX " Powerful Weight Loss Supplement '' for {$6.00}. During that call the representative asked me for my name, mailing address, email address and credit card info. No other information was exchanged. I received a confirmation email indicating my purchase for a Grand Total of {$6.00}. 

A few days later a bottle of these pills arrived in a small box which had nothing in it but the bottle of pills -- no receipt, no other pertinent information. NO additional info had been provided regarding any future purchases, future billings, need to cancel anything or period of time in which to do it. To the best of knowledge we had reached the end of our transaction agreement. 

Then on XX/XX/2021 an additional charge of {$96.00} was added to my account from the same vendor identified as XXXX. In the course of future conversations with both the Complaint and Fraud Departments at Capital One Visa, I learned this was a drive-in market in West Virginia XXXX I knew I hadn't been in the state in many years, so I originally denied making the purchases. It was only after getting more info from a Capital One representative that I was able to connect this market with the purchase of the XXXX pills. I then acknowledged the XX/XX/XXXX purchase for {$6.00}, but have remained adamant throughout that I agreed to no further charges and no further merchandise was ever sent to me. 

I contacted Capital One on multiple occasions during the last few months and have had numerous conversations with both their Dispute and Fraud Departments. The charge would be removed, then added back on. No credible proof has ever been provided me corroborating any agreement to a further purchase or further charge, and I never had made any such agreement. ( See XX/XX/XXXX letter to me from Capital 1 which states : " Information we discovered leads us to believe you or another account user benefited from the transactions '' ). I did benefit from the original purchase of {$6.00}. I received nothing, nor did I expect to, for the additional purchase of {$96.00}. I have received several letters from Capital One which, though ambiguous, led me to believe the claim had been settled in my favor. As recently as XX/XX/2021, I received a letter from Capital One requesting further information. I completed the form and faxed it in along with the email receipt for the initial purchase of {$6.00}. 

Attempts I made to work directly with the vendor proved fruitless since they refused to discuss it and referred me back to Capital One. As recently as XX/XX/2021 I spoke with " XXXX '' who told me they were opening a " new dispute ''. On XX/XX/2021 I received a letter saying they ( Capital One ) can no longer help me as they have only 60 days to dispute a claim with the vendor.
Product: Checking or savings account

I had money in my account but instead of them getting the money I was using they was making me think I still had funds and they hit me with it all at 1 time.
Product: Bank account or service

My wife and I opened our accounts with Venmo which is a PayPal company. My wife transferred {$600.00} to my Venmo on XX/XX/XXXX, and then {$990.00} and {$800.00} on XX/XX/XXXX in XXXX transactions. However, Venmo froze my account and and wife 's account on XX/XX/XXXX. Next day they sent my wife and me an email to send Govt. issued ID for account verification. After I sent the docs on XX/XX/XXXX, and my wife sent on XX/XX/XXXX, they have not yet unfroze our accounts. It has been one full week and there is no satisfactory response from them. Their account team is email based. They do not talk on phone. I want to know 1 ) What process they follow for account verification? 
2 ) Is their account verification based outside of US? Because they seem to send emails at odd hours. 
They are using our money from last so many days and fail to respond and give a timeline as to when the account will release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.
Product: Credit card or prepaid card

This isnt my credit card I dont have a card with them, but its showing up on my credit, I would like it taken off.Citicards CBNA XXXX
Product: Student loan

First of all the worst thing i did was get a loan to go to school. Secondly i have been applying every year for a lower interest rate. As i apply every year the interest keeps going higher and higher as of course the point of Navient is that i pay the interest more than the principle. It was time again to reapply for the help but it has been three weeks since they have answered my emails. I did receive a call from a Navient Customer Service rep after i emailed who i believe is the head of Navient XXXX XXXX. i have sent several messages to him begging for help as my payment is coming up and the next payment would be double what i have always paid. i am not denying to pay but i really need the interest lowered so i can continue paying. I will work with them but i still need to feed my kids and put a roof over their heads.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report. I believe according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed!! 

Below are the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX  and the college duly notified XXXX XXXX about my enrollment status.
Product: Checking or savings account

On XX/XX/XXXX, I was informed by US Bank ( where I had my checking and savings accounts ) that my accounts were placed on hold by their Risk Department. I had numerous phone calls with the branch manager of the local office who said that she was waiting on a response fom the Risk Department to get more information on the hold and to see if they could release it so I could use my account. 

On the morning of XX/XX/XXXX, I found out that my accounts has been closed by the Risk Department and there was no further information that they could provide. Aside from the fact that their actions were just so blunt and without cause, this bank screens everything like they're the damn XXXX!!! I have gotten ZERO resolution and they closed my account for no reason whatsoever!! I think they were relating this account to an old checking account that was closed on me in XXXX. There was an amount I owed on that old account and they had written it off. I eventually paid it back in full and was able to open another account with US Bank this past XXXX. However, they just closed out this new account, which had no affiliation with the old account, and they aren't even giving me the time of day.
Product: Debt collection

After checking my credit scores, i discovered a derogatory mark on my credit from XXXX XXXX XXXX as the original creditor. The date of the mark in question is from XX/XX/2014 ( 4 yrs, 11 mos ). The mark in question was placed for collections to CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which after digging around online, I found that this collection agency not only has some questionable history, but is also based out of Texas. According to certain laws if the debt collector does not have the proper license to collect from certain states, then it is blatant fraud. I WANT! This derogatory mark REMOVED FROM MY CREDIT HISTORY AS I NEVER SIGNED UP FOR XXXX XXXX XXXX Because at the time where i was living XXXX XXXX WAS NOT AVAILABLE IN MY AREA FOR SERVICE. I deemed this derogatory mark as fraudulent and has damaged my credit history. 

Sincerely : XXXX XXXX.
Product: Mortgage

Bankruptcy judge ordered modification on second mortgage while first mortgage was in XXXX XXXX. Finalized bankruptcy last year, but no contact from second mortgage servicer company since declaring bankruptcy XXXX  years prior in XXXX. When second mortgage servicer, Mr. Cooper did finally respond, they demanded the full amount. 
They are now stalling for the highest interest rates through " the paperwork shuffle '', where they allow documents to expire and force you to begin the process over. I am attempting to apply for a modification, now a second application since early XXXX. They omitted IRS tax form 4506T, a form that expires every 6 months, they know it and omitted it. When I emailed them yesterday, they responded by confirming my request for IRS tax form 4506C. 
XXXX was the original servicer on my first and second mortgages, and pulled XXXX years of loan modification " paperwork shuffle '', from XXXX through XXXX, which forced me to force them through bankruptcy to work with me. 
The first mortgage is resolved, happy and current, but that second one knows I can't use bankruptcy again.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX bank XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I'm a senior and loyalty customer to your ( KOHL 'S ) company. During the pandemic I had been out of town to my sister 's place. After came back to home, I found that your return policy temporarily changed ; from any time to 180 days. I bought the merchandise before the policy change. I had the receipt, but your service associate said the return period was expired and did not honor my return with the payment methods. Instead, she issued the gift card with the year 's lowest price value. The price I paid by credit is US {$64.00}, but you issued store gift card of US {$43.00}. The price I paid by credit card is US {$49.00}, but you issued store gift card of US {$31.00}. I had kept the original receipt with me. 

During the Pandemic, the esteemed company, like XXXX XXXX extended return period to limit the contact. Your company exploited this critical time to sale your store gift cards with high profits. I lost US {$40.00} because your return policy changed without any advance warning.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Debt collection

U.S. Collections West has attempted to say I owe them {$1900.00} after receiving a letter dated XX/XX/2020. I received a prior letter dated XX/XX/2020 stating I owed {$1300.00}. I have attempted again multiple times to contact any representative from this company with no response. I have recieved a signed copy of " satisfaction of judgment '' from XXXX County Justice Court dated XX/XX/2020. This information was sent via email to the company with which no response was received. This company 's multiple attempts to say money is owed when it is not is clearly a violation of the law and shows the clear fraudulent behavior this company and its owner XXXX XXXX are willing to participate in.
Product: Bank account or service

Hello-I was recently charged an overdraft fee of {$35.00} XXXX times on the same day by Wells Fargo. I called Wells Fargo to explain that in more than 8 years I 've had my checking account with them, I have never been overdraft. In fact I never had overdraft protection in the first place. However they refused to waive any fees and continued to insist that they have to charge me XXXX times for my XXXX account being overdraft. This is reckless behavior by a big bank. Wells Fargo does not provide any way for me to see my overdraft settings online or give me the ability to turn it off. I get no email alerts if my account goes overdraft or if a customer service person turns on my overdraft settings without my knowledge. So I am asked to pay {$100.00} for a service that I can not see I have, have no ability to turn on/off online, and I am not alerted to its status. I ask you help to have these charges waived. Below are the overdraft transaction amounts and date XXXX - $ XXXX - $ XXXX - $ XXXXThanks, XXXX XXXX
Product: Checking or savings account

I've received BRINKS prepaid mastercard which I haven't aplied for
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

I am writing to file a formal complaint against TransUnion for not allowing me to dispute unauthorized hard inquiries on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure TransUnion upholds its obligations as a consumer reporting agency. 

I discovered unauthorized hard inquiries on my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, These inquiries were made by entities with whom I have never done business or authorized to access my credit information. In accordance with the FCRA, I promptly contacted TransUnion to dispute these unauthorized inquiries and have them investigated and removed from my credit report. 

However, TransUnion denied my request to dispute these unauthorized hard inquiries, stating that they were ineligible for investigation. This denial contradicts the provisions of the FCRA, which grant consumers the right to dispute inaccurate or unauthorized information on their credit reports. As per Section 611 of the FCRA, I am entitled to have these inquiries investigated and, if found to be inaccurate or unauthorized, removed from my credit report. 

Despite my attempts to resolve this matter with TransUnion 's customer service representatives, providing evidence of the unauthorized inquiries and emphasizing my rights under the FCRA, they have remained dismissive and non-compliant with the law. This disregard for consumer rights raises concerns about the integrity of TransUnion 's practices. 

Therefore, I kindly request the Consumer Financial Protection Bureau to investigate TransUnion 's practices regarding unauthorized hard inquiries. Their refusal to comply with the FCRA not only infringes upon my rights but also sets a troubling precedent for other consumers in similar situations. 

I appreciate your attention to this matter and request regular updates on the progress of the investigation. I have confidence in the Consumer Financial Protection Bureau 's commitment to consumer protection and ensuring fair practices within the credit reporting industry. 

Thank you for addressing this complaint promptly and protecting consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, XXXX, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX
Product: Mortgage

Stated forbearance on the loan during covid pandemic and applied for assistance with Ameris bank. I was approved for a partial claim and the security deed was filed with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage loan is now showing {$14000.00} past due. I have been current with payments and have not defaulted on the loan. I called on XX/XX/XXXX to determine why the loan is still showing past due and was told that the partial claim was not recorded on their side and that the documents were not returned to them. I have a copy of the security deed to show the process was recorded. They are now requesting that I complete a new loss mitigation packet because the home is active Foreclosure for XX/XX/XXXX. I am now being asked to e-mail a request for postponement of the foreclosure date. I have been working with a HUD certified housing counselor at XXXX of the XXXX XXXX XXXX HUD agency ID number XXXX. XXXX XXXX, HUD ID XXXX called Ameris on XX/XX/XXXX and was also told that the partial claim was not correctly recorded by the loss mitigation rep. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Loss mitigation is currently reviewing the issue, but I am currently still in active foreclosure. I need help resolving this issue with Ameris Bank.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$1600.00} Date of Account:XXXX
Product: Checking or savings account

I went to a XXXX XXXX XXXX XXXX in XXXX XXXX as my cXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon completion of the work I presented my card to the receptionist who ran it, when I saw the receipt and saw that I was charged a higher amount in credit card fees, I asked what this was and they said it was to help cover their cost for the payment processing fees. I told her I wanted to pay cash and not incur these extra fees, so they told me it was just an authorization that they would and that I could pay them in cash. So I went to the atm took out cash and paid them to avoid the fees. I told my bank wells fargo multiple times about what happened, but they dont care to fix it or follow up with me or give me any updates and now a service that should have cost me roughly {$400.00} has cost me over {$800.00} and they wont do anything about it XXXX XXXX XXXX {$410.00} Transaction : XX/XX/year> Posted : XX/XX/year> Merchant info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional info Method Card Inserted Category Other Auto/Transportation I was charged a higher amount than the invoice said, I immediately cancelled the transaction in the handheld POS while it was processing. The merchant told me it was just an authorization and would be voided and come off my card. 

I went to an atm took out cash and paid in cash. 

Ive fought so long and so hard for what is right. I was scammed out of my money and my bank refuses to protect me. Because of this I have made a point to remove all the money I had in wells fargo, tens of thousands of dollars because they refuse to protect me and refuse to make this right. 

I want to file a claim in small claims court now and they wont even give me the address to do so in XXXX  I just get the run around, and am given dead ends or phone numbers that are disconnected or no longer are in service. Im not going to give up on this its not about the money for me its the principle that wells fargo would rather fight me the customer so hard on a transaction that I caught that was fraudulent mid transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal loan account with Lending Point LLC was opened XX/XX/XXXX ( 4 yrs, 7 month ago ). I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Lending Point LLC, via phone, that my bank account on file experience fraud and the payment account with Lending Point LLC to another due to this. We changed the payment account over the phone. 
The next payment was never taken out of my new account. Lendingclub LLC kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account. 

I would like to have the charge of and closed account removed from my credit because this is the fault of Lendingpoint LLC. I've reached out to Lendingpoint LLC several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. Lendingpoint should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Product: Credit reporting or other personal consumer reports

I have three collections from XXXX opened on XX/XX/XXXX for account number ( XXXX ), XX/XX/XXXX for account number ( XXXX ), and XX/XX/XXXX for account number ( XXXX ) in the year XXXX. These accounts were fraudulently opened in my name by my XXXX XXXXXXXX XXXX, without my knowledge or consent. He assured me that he would repay the loans, but he has not done so. Despite my efforts to contact him over time, I have lost touch with him over the past year.