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

I received an email saying a virtual card number was opened for my card. I didn't request anybody to open a virtual card number on XXXX XXXX. Please investigate why such an email was sent to me. 

Your Card has now been enrolled for an American Express virtual card number Is this normal? Would this impact my credit history?
Product: Checking or savings account

Account will overdraft do to insufficient funds but the bank will still authorize the transaction instead of denying the transaction, it happen over years and I as a bank account trusted the institution when many times I just knew that some transactions were supposed to process at a timely manner and it was never accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}
Product: Vehicle loan or lease

I try to get a different interest rate base on Louisiana law which stated that under the Act of SCRA creditors must reduce the interest rate on pre- service debts including car loans, to a maximum of 6 % for the duration of active military service and they said it won't be possible because the bank doesn't operate in the state of Louisiana .
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXXXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

7 years ago my ( XXXX, who XXXX 3 years ago ) husband had a credit card. 7 years ago we owed {$6000.00}. Today I owe {$4300.00}. BBVA Compass Bank is charging me 14.240 % on {$2500.00} purchases. 23.240 % on {$1700.00} cash. This company has been gouging me on interest payments. I am XXXX, in a XXXX and on XXXX. I only have XXXX XXXX and no other assets. After paying rent, food, utilities, insurance premiums and prescription drugs ( plus minimum payments to Compass Bank ), I only have {$28.00} left. I ca n't even afford XXXX XXXX, clothes or shoes. I called on X/XX/17 at XXXX XXXX and the bank would not even look up my account. I was put on the debt list because I missed the due date by one day. I do n't have the credit card anymore, because my husband XXXX 3 years ago. The bank was not helpful at all. I asked to speak to a manager, but she was unavailable. I tried to go to a Debt Consolidation Company, but you need debt of at least {$10000.00}, so I do not qualified.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a collection removed from my credit going on four years now! Equifax and XXXX  refuse to remove it even though I sent proof of XXXX  XXXX  inconsistencies as I again will copy what is reported and what they receive not only that is is past the NH Statute of limitations for which is 3 years! The account was closed in 2016 which is 5 years as of this year! Equifax and XXXX  day they removed the XXXX XXXX account yet that is the account XXXX says is what I owe I have sent proof they they have said it was removed but yet it is still there!
Product: Debt collection

XXXX, the company who the debt originated with, never sent out communication that my account was going to be sent to collections. I never received a bill in the mail, or even correspondence that it was going to be sent to collections. There was no phone call, email, letter, or any communication whatsoever that this was even to that point. 
The account uses my financial information, but the name on the account is XXXX XXXX XXXX. The address on the account is XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In XX/XX/XXXX we applied for a load modification through Nationstar mortgage. In XX/XX/XXXX I received paperwork from XXXX County with notice of a sheriff sale. Around XX/XX/XXXX I called Nationstar and spoke with XXXX XXXX to find out what we could do to resolve. He stated that since we did n't complete the modification paperwork after the trial period the sheriff sale would move forward. The only way to avoid would be to provide a payment of approx. {$25000.00} to bring everything current. We never received the paperwork he was referencing and additionally I was unaware of anything that needed to be completed. I thought since we made all payments on time and in full during the trial period that things moved forward as normal. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX County and I called XXXX XXXX ( formerly Nationstar ) and spoke with XXXX regarding the situation looking for advise on how to resolve. When we informed XXXX that I had not received the paperwork she provided us with the tracking number, stating the paperwork was sent on XX/XX/XXXX and XXXX delivered to our home on XX/XX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ). However, when we input the tracking numbers into the XXXX portal the first only notates that it was delivered to 'XXXX ' no specific address and the second states 'In transit '. As of XX/XX/XXXX XXXX has escalated the issue at XXXX XXXX to see if we are able to resurrect the modification due to lack of communication. However, we are very close to the sheriff sale date now.
Product: Credit reporting or other personal consumer reports

I have been asking Myequifax.com to help me with access to my account for months and nothing never happens ...... I want them to fix my account so I can access myequifax.com account
Product: Student loan

I was in school during XX/XX/XXXX and unemployed in XX/XX/XXXX, when I reached out to then XXXX XXXX inquiring about Economic Hardship, or any programs that will help lower my monthly payments. I was only offered forbearance which still accrued daily interest on an Interest Only Loan. When I was granted my reward letter from unemployment, I was only receiving {$150.00} weekly. I was only receiving these funds for a total of 18 months in the amount of {$2700.00}. Provided this was my only income, I had to maintain a roof over my head and pay other bills. XXXX XXXX took a financial statement regarding all my expenses and still made the decision that I did not qualify for Economic Hardship. I still paid a total of {$330.00} monthly. After I gained employment XX/XX/XXXX, I was able to get back on track to make high payments. I inquired about releasing my Mother as the Co-signer, I was advised if I made 12 on time payments she could be released. I held up to that claim only for my Mother not to be released as requested. The College I attended faded out my program of XXXX XXXX XXXX back in XX/XX/XXXX. At this time, I am unable to utilize my degree. I applied for several jobs only to be told, I need to go back to another Institution take a course that I can obtain a XXXX. The program that was offered at XXXX College was a XXXX program. I will not go back to take out another loan to utilize my degree. I have a XXXX XXXX XXXX XXXX with an outstanding balance of $ XXXX. This is insane to owe this much money for a XXXX XXXX that is null and void.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX i was at work and my phone died. at XXXX my phone was back on and i saw that my Cash App account had a transfer of {$200.00} to bitcoin and then sent to a very long wallet address. i filed complaints and tried to dispute it but cash app told me i made the transaction when thats impossible because my phone was dead. they refused to help me and then banned my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong
Product: Money transfer, virtual currency, or money service

I submitted a support ticket to Gemini Trust Company , LLC 's customer support team on [ Monday, XX/XX/XXXX ], requesting additional information about a " security hold '' that was placed on my account. 

A customer service representative ( called " XXXX '' ) responded to my support ticket on [ Monday, XX/XX/XXXX ] confirming the account restriction and requested that I provide additional personal information to confirm my identity ( i.e., copy of my photo ID ). 

I promptly provided this information on [ Monday, XX/XX/XXXX ] and then received a follow-up email requesting information about my account activity. The customer support representative requested additional information about my recent cryptocurrency withdrawal attempt, which I promptly responded to on [ Monday, XX/XX/XXXX ]. 

It is now [ Tuesday, XX/XX/XXXX ] and I have not received any response from their customer support team about the status of my account restriction. I have XXXX XXXX, valued at {$29000.00} at the time of this complaint that I am unable to withdraw from my account.
Product: Debt collection

Collector Name : Broward Adjustment Services Balance Date : XXXX XXXX, XXXX Original Amount Owned : {$230.00} Account Number : XXXX Originated from Medical billing from Dermatologist at the University XXXX XXXX XXXX XXXX XXXX the agreed to amount, event though doctor added procedures not performed. 
After insurance paid, they sent additional bill, I called the medical department but they refused to even listen. I told them that I will not be responsible for procedures entered by error. They would not listen, then they sold the collection to Broward Adjustment Services. When they contacted me I told them about the issue, even agreed on partial payment so they would not put on my credit report. But they said either the full amount or nothing. This is medical fraud, overcharging and listing false procedures then selling it to a collection company. These practices by certain doctors taking advantage of their position and the system had to stop.
Product: Vehicle loan or lease

XXXX knew the names and account numbers of his car loan, mortgage, and credit card companies because when I re-registered, the questions I was asked were about the monthly mortgage payment, car loan payment, etc.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$7700.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$31000.00}
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I JUST RECEIVED COPY OF MY CREDIT REPORT AND I FOUND THIS FRAUD CHARGE CARD THAT WERE OPENED WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX XXXX XXXX CREDIT CARD WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS CREDIT FIRST FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT. THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I SHOULD NOT BE RESPONSIBLE FOR SOMETHING I NEVER OPENED/ FRAUD ACCOUNT.
Product: Debt collection

Exeter Finance calls almost daily for months. I have told them I do not know the person they are looking for, and to stop calling ... the calls continue
Product: Debt collection

XXXX and XXXX Credit Bureaus are reporting inaccurate information on COLLINS ASSET GROUP with an Account Number of XXXX, Opened last XX/XX/2017 and a Balance of {$4900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

On XX/XX/19, I went into a Bank of America branch to make a {$300.00} cash payment on my credit card at the teller window. I was intercepted by a banker who made me do the transaction at an ATM, even though I was not comfortable depositing cash there. With the banker as a witness to the entire transaction, the ATM ate my money and spit out a receipt that said the request couldn't be processed and my items could not be returned to me. The banker escorted me to a phone, where she placed a call to the claims department and filed a claim on my behalf. At that time, I was told the bank had up to 10 days to resolve the claim. The bank then kept extending their deadline for resolution. It appears that any time someone checked the status of the claim, they closed the claim and restarted the clock on it as a new claim. After multiple visits to the branch, there was no resolution, so I tweeted at the bank on XX/XX/19. One of the bank 's social media reps called me to follow up, and I shared the entire story with her. She said she'd look into and get back to me. When she called me on XX/XX/19, she reported that the bank had investigated and my claim was being denied. She said the investigation found no overage of cash in the ATM that day, and then she claimed that the bank had security footage of me getting the money back and that the bank employee who'd helped me file the claim said I'd received the money. It is impossible for this security footage to exist, because I NEVER got the money back. I asked to see the security footage, and the woman told me that she could not provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Home Depot Citibank Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both XXXX XXXX and XXXX XXXX. XXXX XXXX said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXXXXXX XXXX  and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to XXXX XXXX XXXXXXXX XXXX  I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX  inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Product: Bank account or service

I opened a Citi Gold Checking account in XXXX 2016 by using a promo code which offered a XXXX XXXX miles bonus. I believe I have met all the requirements to receive this bonus. However I did not receive the bonus. I also contacted Citi customer service many times about this issue and were told the bonus would be posted to my account within 90 days of account opening. Unfortunately the 90 days deadline had far passed. But I still have not received the bonus. Therefore, I believe Citi bank has failed their promise on this. I am requesting Citi bank to honor their promise and post the bonus as soon as possible. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX  equafax XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
Product: Credit card

I did a balance transfer from a higher rate card to my Vystar credit card in the amount of {$4300.00}. I was charged a fee of {$120.00} for the transfer. There was no notification on the website that I would be charged this fee and the transfer was submitted successfully. I noticed a couple days later the fee was assessed and I immediately contacted Vystar. The representative advised me the transfer fee policy was implemented back around XXXX. He was unable to waive any part of the fee and escalated the call to a manager. I spoke with the manager, ( didnt get her name ) but she said she would have it sent to another area and contact me the next day, ( XXXX ). I never received a call back. There was no proper disclosure of a fee that would be imposed for the transaction or I would have never initiated the transfer. I searched the website and the only indication of a transfer fee was on the main page for credit cards and the features of the credit cards offered by Vystar. I did a transfer previously, ( many months ago ) and the fee was not assessed and I feel the fee should be properly disclosed to the customer in accordance with their new fee policy structure.
Product: Debt collection

Date : XX/XX/XXXX Subject : Request for Debt Validation To Whom It May Concern, I hope this message finds you well. I am writing to formally request validation of a debt that your company has reported and is attempting to collect. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request documentation to verify the legitimacy of this debt. 

Details of the Debt : Date of Origination : XX/XX/XXXX Amount Claimed : {$860.00} Actions Taken by Your Company : Reporting this debt to credit agencies without prior notification or communication with me. 
To proceed, I kindly ask that you provide the following information : Verification of the debt, including the original amount owed and any additional fees or interest applied. 
Proof of ownership of the debt by your company, as well as any documents showing the assignment of the debt to your agency. 
Records of any communications your company has sent to me regarding this debt. 
I expect to receive this information within the timeframe specified by law. 

Thank you for your prompt attention to this matter.