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

I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} Discover approx. {$1800.00} XXXX  XXXX XXXX. A man posed as XXXX/taxi driver, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The 3 men made me buy nearly XXXX of some sort of tickets/cards from two separate gas stations and tried to get me to take more money directly from the cards using ATM before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! Filed reports with Dept of State contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies Discover & XXXX  XXXX XXXX are billing me for unauthorized charges, I did not authorize three men posing as XXXX/taxi drivers to force me to give them me credit cards and steal the items. I am XXXX and the credit card companies Discover & XXXX  XXXX XXXX are charging me fees, late charges on the unauthorized charges and ruining my credit. I was deployed to XXXX beginning XX/XX/2019 and just came off of XXXX orders. Any help you can offer would be greatly appreciated.
Product: Credit card or prepaid card

I purchased two tickets on XX/XX/XXXX for {$2200.00} in total on my Barclays card for travel on XXXX XXXX ( a/k/a XXXX ) for travel from the USA to XXXX scheduled to commerce on XX/XX/XXXX and returning XX/XX/XXXX. The flights were cancelled by the airline due to the COVID-19 crisis. I requested a refund from the airline and they are trying to force me into a travel voucher. Under a DOT directive, all passengers on flights that involve a US departure or arrival destination that were cancelled due to COVID-19 are entitled to a cash refund of their tickets ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund ). I have tried to enforce my rights through this DOT decision and Barclays has refused to help. I therefore believe they are violating federal law for not facilitating my dispute with the merchant, who has now filed Chapter XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Product: Credit card or prepaid card

I received a delivery via XXXX XXXX on XX/XX/XXXX from XXXX of items that were fraudulently ordered in my name. I discovered through XXXX fraud department that a credit card account with Genesis FS Card Services was set up fraudulently in my name. I have contacted XXXX to dispute the Genesis FS Card Services account and I have also written a multiple letters to Genesis FS Card Services disputing this fraudulent account. XXXX alerted their Fraud Team of this issue. XXXX was able to reroute additional items that were part of the fraudulent order. XXXX employee XXXX XXXX stated in an email to hold onto the items delivered until XX/XX/XXXX. XXXX XXXX stated that if I did not from XXXX 's credit recovery team I was to go ahead and dispose/donate the items received fraudulently. I did not receive any further communication regarding this matter from XXXX. I have requested that XXXX retrieve their items to no avail. Genesis FS Card Services insists that I owe {$820.00} for the items fraudulently ordered in my name. I have disputed these charges by writing multiple letters to Genesis FS Card Services. I want the fraudulent charges credited to the fraudulent Genesis FS Card Services account and the account closed. Any adverse information on my credit report needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, reporting inaccuracies to the credit bureaus is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove all fraudulent accounts. They are hurting my ability to obtain credit. They are being reported by a third party and I do not recognize them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX ( XXXX ) Department of Education Loans ( XXXX XXXX XXXX OF XXXX ) on my credit report showing to be opened in XXXX and being over XXXX missed payments each. Both of these accounts were opened prior to XXXX and the last voluntary payment on either account was in XXXX. The accounts keep getting fraudulently " reagged '' to keep them on all three credit reports ( Experian, XXXX, and XXXX ) even though they were defaulted over XXXX  years ago. Each time the loans get transferred they treat it like a new account and start the XXXX year reporting window over even though this was without my consent. I have disputed this with all three agencies and directly with Department of Education ; however, nothing is done to remove them, and the credit reporting companies fail to even do a basic investigation and just rubber stamp and participate in the fraud being perpetrated even though they clearly know it is too old to be reported and is a violation of the FCRA. 

I would like the CFPB 's assistance in forcing the XXXX credit reporting companies to comply with the FCRA. 

Please note I would like to retain my right to bring litigation for damages in Federal Court if this is not resolved.
Product: Vehicle loan or lease

I co-signed for 2 vehicles for my children. One car was totaled but somehow he had a balance of XXXX they stated. The other car was repossessed both cars were purchase XX/XX/2016 and repossessed a year later my daughter couldn't afford to pay. They used my SSI for both incomes on two XXXX loans. And both of them had minimum jobs but they said they could finance anyway. Both of the loans are still showing up on my credit reports as open loans preventing me from any purchases and contours low score after 7 years. 
One car is XXXX XXXX says his balance is XXXX after his insurance stated they paid but Credit Acceptance states there is still a balance XXXX XXXX is the other car that was repossessed after year because she fell behind 2 payments and they wanted her to come up with 3 payments and later fees. I was able to help due to only getting SSI and also my own vehicle. 
please if you can assist me with this matter I don't think they ever intended to close these accounts thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I would like this account XXXXXXXX XXXX # XXXX to be removed/deleted Equifax responded to my dispute and did not remove the account although it is reporting inaccurately. Below are the following inaccuracies/violations They did not add the required notice of dispute, I disputed this account back on XX/XX/2022 and the notice of dispute should have been reported within 30 days.I pulled my credit report on XX/XX/XXXX and the notice has not been reported which is reason for termination alone The Date of last activity is not congruent for XXXX, XXXX and Equifax High balance is not congruent for XXXX, XXXX and Equifax Date of last verified is not congruent for XXXX, XXXX and Equifax Monthly payment - there should not be a monthly payment on a closed account screen shots of these inaccuracies are located below
Product: Bank account or service

I signed up for a promotional offer from Citibank. I was to get XXXX XXXX XXXX miles after signing up for a new Citigold account and meeting various criteria. I confirmed with a Citi customer service representative that I was enrolled in the promotion and fulfilled the requirements. However, after waiting months for the reward miles, I contacted a Citi customer service representative again and was told that Citi was not going to honor its promotional offer.
Product: Student loan

XXXX. {$50.00} XXXX {$3900.00} XXXX {$50.00} XXXX. {$200.00} XXXX {$100.00} I have provided statements to Advantage, aka Fasa, and filed disputes with my bank, XXXX XXXX. The money has not been located, and I am at a loss. I don't know what to do. It's been XXXX months, and I've called dozens of times
Product: Consumer Loan

I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to poor security practices and the recent Equifax hack my personal information was improperly shared with others and will be shared will untold many numbers in the future.
Product: Bank account or service

I took a friend to wellsfargo bank to open an account, during that process I went out side to take a phone call, during that time the bank manager ask me friend all kinds of inappropriate questions about me. I feel like I was profiled for no reason. Then months later I go to the same bank and I needed help so I waited for a teller to get off phone as I waited that same manager aproched me and asked me if I needed help I told him no and that I was fine. Then basked again I told him no I will wait for someone else ..then he proceeded to demand that I let him help me in firm voice that made me not even want help anymore I jus wanted to leave at that point ..so I left and 3 days later I went back to bank to take out money to pay my rent and they then told me that my account was frozen..I asked why and no one could tell me, I then called the toll free number and spoke with several wellsfargo reps and supervisers, still no one could tell me why my money was being held..they all said I had to speak to a bank manager named XXXX which is the guy who has been harassing me , come to find out threw many phone calls, he is the one who put the hold on my account! It was done for personal reasons all because I refused his help and he took it personal ... And it 's almost three weeks later and I still ca n't access my money ..I have XXXX children that I ca n't feed and several bill that are over due because of this man abuse of power ... I need answers!!!! Thanks
Product: Credit card

Have been on the phone with USAA trying to get a dispute resolved. I had two disputes filed with them which were from the same vendor. I filed two claims with them from transmission work I had done. The first one was the deposit before work began and the second the balance when van was complete. My issue is I am getting two different stories about their investigation. The first claim looks to be closed out and was put back on my card on XXXX which made me investigate why? The reason they gave in their letter to me was that the merchant refused to issue a credit and they could do nothing. This made no sense to me since if it was left up to the merchant they would never issue credit. The second dispute I received a letter dated XXXX saying the merchant would credit the amount back if I returned the transmission. The merchant knows this is not an option since I had to replace the transmission less than one month later at another XXXX dealer and that dealer retained it when they replaced the poor workmanship of the first dealer. After many attempts to explain this and to USAA people they escalated it to their Member Resolution Dept. who was no help and shut both of the claims down as of today XXXX. How can two investigations for basically the same transaction come up with two answers from the merchant and then just decide that he is telling the truth and my claim is not valid. The Member Resolution Team shut the second claim down even though I had till the XXXX to respond to the XXXX letter which I did. I was also told last week by the USAA credit card division that they woudl reopen the case. Less than XXXX hours later they said their decision stands. I was told that I would have to resubmit and start the process all over again via mail, which also makes no sense. I tried to get back to the Member Resolution team a second time and after waiting almost XXXX minutes on hold they answered and I was disconnected. I feel abandoned and left to fend for myself when the whole reason we all use credit cards is to have some type of protection from poor workmanship.
Product: Student loan

I recently pulled my credit report and noticed navient reported that I was more the 90+ late on my loans. I was attending school at the time and requested forbearance.I consulted with representative and made an arrange. Upon paying off my loan, I was that my account would show " paid in full '', however ; that is not what is stated on my credit. The information is under collection 90+ days and it displays as charged off. I request that navient be removed from my credit report under collections and replaced with " paid in full. '' Navient staff frequently send me to other reports and never resolve my concerns, they also always lose documentation provided. I was also told that I would be a fixed interest rate and was offered several of rates depending upon a higher monthly loan payment or full payment pay out. This was the reason why I decided to make large payments and close out my account as soon as possible.
Product: Credit reporting or other personal consumer reports

Improper investigation on behalf of XXXX, and XXXX.
Product: Checking or savings account

My phone was stolen which was connected to most of my banking information and applications that had my credit and debit card attached to it, unauthorized charges was made on my XXXX  account in XXXX  that I did not make or travel to I filed a dispute to XXXX  and they told me to file a dispute to my bank for a chargeback due to them not being able to refund me as it would mess up the reviews for the hosts on XXXX itself I filed a dispute to my bank and they declined my dispute within XXXX hours without letting me upload proper documentation as I was told that I can upload documentation so they can investigate XXXX  XXXX - XXXX XXXX XXXX {$360.00} XXXX  XX/XX/2022 {$45.00} XXXX  XXXX XXXX {$150.00} XXXX  XX/XX/2022 {$99.00} XXXX  XX/XX/2022 {$31.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$130.00} XXXX  XX/XX/2022 {$100.00} XXXX
Product: Credit reporting or other personal consumer reports

The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from Dr 's appointments of which were crucial to her survival!

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Payday loan, title loan, or personal loan

The company name is American First Finance, they're the most predatory company to exist on the face of Earth. I called and spoke to a representative who stated if I continued to pay my minimum payment the balance wouldn't continue to go up. A balance of {$300.00} has turned into {$1200.00} after already paying almost {$600.00} for furniture that's already in the trash. Ive tried to resolve this issue with them but they do not care. So therefor I have no option but to put a terrible review on XXXX and reporting them everywhere I possibly can. They shouldn't be allowed to get away with this, they're ruining a lot of families credit and pockets over terrible furniture. 

They need to be shut down ASAP, the most predatory lending scamming I've ever seen. 
American First Finance should be ashamed of themselves and they should change their names, they don't deserve to be called/named anything with the word American. Horrible, horrible, horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these accounts distress my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}
Product: Prepaid card

I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card, American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this