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

Ongoing problem since XX/XX/2018, financial institution still says charges are mine after I have filed a police report and followed all of their requirement protocols and steps. They keep changing the contact person on my case, the group I interact with, and now they won't respond to me at all. I even wrote a letter to the bank president, XXXX XXXX @ Chase Bank, and no one has responded. 
Date my card was used fraudulently on XX/XX/XXXX, twice, at two different XXXX XXXX locations, totaling {$590.00}. 
I rarely shop at XXXX, and they failed to look into my account history to see that. I have had this credit card for years, and this customer experience has been absolutely awful. Their last suggestion was to call the stores in question and request the camera surveillance recording - which was impossible since over a year had passed before Chase made that suggestion and stores don't typically keep recording tapes beyond a week or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on equifax
Product: Debt collection

I am writing to dispute several accounts on my credit report that have been inaccurately listed. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXX Balance : {$0.00}. The accounts have been listed inaccurately using someone else 's information. Furthermore, it is a major error that they are listed as being 120 days late without first posting 30 days late. I demand that you verify all information for these accounts, including incomplete name spelling, address of record, and any other inaccuracies that may exist. If you are unable to remove these accounts from my credit file immediately, I will have no choice but to escalate this matter to the appropriate regulatory authorities. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Regarding the XXXX XXXX XXXXXXXX XXXX account, I am confused as to how you have verified this account when XXXX have already removed it from their records. The bank agreed to remove it after it was paid. I demand that you delete this account from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dept of education/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Product: Credit card

I paid my credit card bill in full and was still charged interest. When I called American Express to discuss why I was charged interest, it was explained to me that they take the average credit card balance for three billing cycles and charge you interest based on that. To me, it seems like this is what we can call triple cycle billing. I thought double cycle billing was outlawed by the CARD Act? 

Thanks.
Product: Mortgage

I have been in communication with CMG financial services for 6 months. 
I have been trying to apply for a modification however they were not sending me the package. 

I Spoke to a representative who assisted me with applying for the loan modification. 
? on XX/XX/XXXX I received a denial letter for the loan modification. I thought the bank was negotiating with me in good faith. 

I was advised during the loss mitigation process I was advised they would halt the foreclosure auction. However there is an auction date for the XXXX. 

The appeal date is XX/XX/XXXX XXXX which is after the auction. This is a clear violation of my dual tracking rights. 

I am requesting you stop the auction While I am filing the appeal loan modification
Product: Credit card or prepaid card

Unable to pay online via account or XXXX XXXX Chat is a bot, and the customer service phone number goes to a recorded blurb and then disconnects. Been going on for over 10 days now. My payment falls on a holiday weekend, yet their social media states only people whose payment is due by XX/XX/XXXX will be saved late fees. My payment is due XX/XX/XXXX and I STILL cant pay.
Product: Debt collection

complete payment recovery services, inc IS ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with BULLCITY FINANCIAL ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but BULLCITY FINANCIAL sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which BULLCITY FINANCIAL Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information BULLCITY FINANICAL, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on XXXX and XXXX. I can not understand how XXXX could not verify the debt was mine, but XXXX and XXXX were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL XXXX AND XXXX AS IT CAN NOT BE VERIFIED AS MINE.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

I found out about a fraud attempt on my account I called USAA about it to report it before it happened, they then froze my account and said it would be closed in 60 Days, XXXX XX/XX/2022, I called them on XXXX XXXX to close the account and have the money sent to my home address they refused stating that the investagtion would restart on XXXX XX/XX/2022. Been with this bank for over 30 years and they treat me like a criminal. Shameful, behavior for a so called military organzation. I served 20 Years in the XXXX XXXX XXXX 6 times and I'm treated this way, dispicabale!
Product: Credit card

I purchased items through XXXX for XXXX to pick up in-store on XX/XX/year>. I went on XX/XX/year>, and they didn't have them ready for me. I never picked up the items and expected the money to be refunded to me ; it wasn't. I engaged XXXX support several months later, asking for a refund. They said they no longer could because the transaction wasn't in their system. They asked me to dispute the charge with my credit card company, Goldman Sachs ( Apple Card ). 

1st dispute ( XXXX ) opened on Thu, XX/XX/XXXX, XXXX AM. Goldman Sachs never asked for evidence on the dispute. 1st dispute was closed on Thu, XX/XX/XXXX, XXXX AM, with a statement saying, " Based on available information, our records do not indicate that the merchandise has been returned for a refund. '' However, I never received the ordered items, so this was wrong. I engaged Goldman Sachs a second time asking for why it was closed and opened up a 2nd dispute. 

2nd dispute ( XXXX ) opened Thu XX/XX/XXXX, XXXX AM. Received an email to attach evidence Thu, XX/XX/XXXX, XXXX AM and sent the data as it came in from XXXX Thu, XX/XX/XXXX, XXXX PM, Mon, XX/XX/XXXX, XXXX PM, and Thu, XX/XX/XXXX, XXXX PM. XXXX is asking the credit card company to accept this dispute in my favor. 

The second dispute closed on Monday, XX/XX/XXXX, at XXXX PM, saying, " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' This is incorrect. Had Goldman Sachs looked, they would see that XXXX themselves are asking to refund me via this process. Goldman Sachs isn't even looking at this data. 

I immediately engaged them and escalated the issue, including trying to engage their legal team. 

The third dispute ( XXXX ) is now open on Monday, XX/XX/XXXX, at XXXX PM. The same evidence has been supplied to them on Monday, XX/XX/XXXX, at XXXX PM. I have engaged the Washington State Attorney General 's office and submitted this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report with the federal trade commission and identity theft.gov regarding these fraudulent accounts opened in my name without my authorization or permission. I demand these accounts be deleted completely off all major credit reporting agencies as they are fraudulent misleading and deceitful. I am avictim of identity theft and have attached my report supporting my dispute.
Product: Money transfer, virtual currency, or money service

As reported the cfpb has found Zelle and every bank that uses Zelle liable for not protecting consumers and not properly disclosing how this process works leaving consumers like me open to scams and other issues. There was no alerts or anyway to confirm a recipient.
Product: Credit card or prepaid card

Several Capital One accounts were opened in my name as a result of data breach including two credit accounts as well as a 360 checking and savings account. The credit accounts include a XXXX XXXX account and a Mastercard account ending in XXXX. I was attempting to rebuild credit at the time these accounts were opened and opted to use them to do so, they were left open in order to improve credit score, as per advice from a Capital One rep at the time. They were later closed out by Capital One and most recently, I requested statement copies for both accounts including entire account history. Requests were made on XX/XX/XXXX, it is now XXXX and nothing received. A Capital One rep by the name of XXXX replied stating they were sent, did not state when. He also mentioned a XXXX XXXX transaction and a flight I was supposedly on.. XXXX XXXX  ceased operations in XXXX, I believe the transaction he refers to was made sometime in XXXX and needless to say, any passenger records would be unavailable as again, the carrier ceased operations shortly thereafter. I believe his information is bogus, however, it is irrelevant as I used account to build credit despite not opening it myself. Capital One has offered credit monitoring services and placed the accounts in dispute. However, they have not offered to remove them and or balances owed on them. I do have an attorney representing me, they may or may not have sent notice to Capital One advising them of such as they represent many clients and have filed a class action. My attorney not sending them any notice does not at all mean I do not have a claim, which I do. I request Capital One sent statements for both accounts, the XXXX XXXX account and Mastercard ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo Dealer Services is incorrectly reporting three late payments, these payments were never late. They tried to force me to buy their " insurance '' product ( which a federal judge ruled against Wells Fargo and ordered them to fix issues relating from this illegal act ). I have ask Well Fargo Dealer Services several hundred times to address this issue and stop reporting false information. They have hung up and tried to micromanage my speech. They refuse to get the proper senior executives involved to address the issue. I have tried for many many many many years to resolve this issue with them and every time they act more like unruly high school kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been making on time payments to my credit cards and car loan, I even make more payments toward the accounts, I have been checking XXXX XXXX and I notice that Equifax and XXXX they are reporting my payments on time, but the problem it is that they are not giving me points to my credit score, I do see some account have been increase on the credit use and for those they do subtract me point a lot of points, but they don't give me points on my credit score. I have been trying to dispute and fix it for a while and I don't see results.Recently my XXXX card was paid in full, was reported to XXXX XXXX and no points to XXXX or Equifax, XXXX has XXXX balance and still shows with a balance of XXXX, I made an extra payment to my car balance shows reduce from my credit report and no points to my credit score. All credit reports show different numbers a balance that they don't fix. On Equifax I logged in to a service to see if my social was a breach victim and it was. XXXX on Equifax website they will give XXXX or a free year credit report, so I decided to get the XXXX and I haven't see the payment. everything it is a negative thing.
Product: Checking or savings account

I completed citi bank accelerated saving account bonus as required starting XX/XX/XXXX ending XX/XX/XXXX with a balance of XXXX in which I should have received a bonus of XXXX automatically on XX/XX/XXXX or an extra 30 days later. Needless to say I didnt receive my bonus even after taking about month to complete Verification of account via w9 which was never stated needed to be done. After I made sure my account was verified around XX/XX/XXXX a whole month after I should have received my bonus I switch to the prior plan for checks. Never was I told if I switch I wouldnt receive bonus which I qualified and complete XX/XX/XXXX. Citi bank refuses to honor their obligation of issuing me my XXXX dollar bonus which I want ASAP! They continue to make me open claims and would never send emails or communicate decision! I opened several claims with poor customer service! Citi banks provided me XXXX as a inconvenience payment which conveniently is the lower amount due for the accelerated saving bonus requirement because they know they are culpable to pay me my full XXXX but they wont do it. I want my full XXXX US dollars to be provided which is owed to me for keeping my end of the bargain! Please help!
Product: Credit card or prepaid card

Applied for a Capital One XXXX XXXX XXXX on XX/XX/XXXX. Received a letter dated XX/XX/XXXX indicating the need to unfreeze one or more credit bureaus so Capital One could obtain my credit reports. Unfroze my credit and called Capital One to reprocess my credit application on XX/XX/XXXX. Capital One then sent email request to provide additional documents to verify my identity. Provided documents requested via the Capital One secure portal within 2 hours of the request. Called to follow up later the same day ( XX/XX/XXXX ) and the representative confirmed receipt of documents. Received letter dated XX/XX/XXXX that my application submitted was incomplete or can not be verified. Contacted customer care who confirmed the documents provided were complete. I spoke with XXXX, a supervisor at XXXX XXXX on XX/XX/XXXX in the verification department at Capital One who promised me a follow up within 24 to 48 hours. After waiting more than 48 hours, I am submitting this complaint. 

At this point, I have provided all documents requested of me and have flawless credit. Capital One has no reason to deny my request for a relationship. 

XXXX ID : XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I was told by American Express that I could process payments online. I spoke to the office of the president. On XX/XX/272018 I was told again that I would be able to make a payment online, print my receipt for proof. On XX/XX/2018 I was told that if my payment was made that my credit would be protected. I want American Express to open up the account online to receive the payment and make sure Not to negatively report my account. American Express can not report you negative, tell you that you can make a payment online to pay you balance ( on a recorded line ), then not fix a time sensitive matter error on my account Today I still have not been able to pay the way I was promised and mitigate this issue as promised by the Office of the President They have made yet another mistake and this time I would like XXXX XXXX 's office to be made aware of this and contact me immediately XXXX XXXX adnd his team has informed me that the reported errors on behalf of the credit department and dispute departments thus far will only be mitigated by my paying the entire balance, and that I was grate ability to pay online and print my receipt. They did not open the access for me to pay as promised. 
XXXX XXXX office will also need to be notified to help rectify this urgent mishap on behalf of American Express They close my account prematurely and in error as a result of documented negligence on behalf of their dispute departments. My payment needs to be posted online as promised and my credit and the integrity of my account needs to reflect my efforts to stay in compliance with American Express policy, while American Express communicated false practices ( on recorded telephone calls ) and promised to place the account in disputed and it never happened. Then demand immediate payment. Well, I have attempted again to comply and need to speak to someone on the telephone immediately and I want to make an ONLINE PAYMENT and be finished with this incompetence. Thank you.
Product: Money transfer, virtual currency, or money service

I transferred the money via Zelle and the recipient never send the goods I bought on XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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 items 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 alleged fraud or extortion. 

Here are the items that needed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MI XXXX XXXX XXXX Balance : {$6500.00} MI XXXX XXXX XXXX Balance : {$2600.00} MI XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX