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

On XX/XX/XXXX, I made a request to block my credit card from Capital One and my credit card number was changed. I was outside of the United States so I called the credit card company to see if there was any way for me to use the credit card account before the card was mailed to my US address. After a lengthy conversation, the company representative notified me that I would have to wait for the credit card to be mailed to my US address so that I can confirm the card information. Now, after two weeks, I called back to question whether the card was shipped since I have had family check my mail to find the credit card. Upon calling them, they notified me that they did indeed change my credit card number on the account but did not mail my credit card. I believe this to be an unfair business practice ; to change my credit card number AUTOMATICALLY and then not send me my new credit card in a timely manner EVEN after a call to the company to make sure the card would be available to me as soon as possible.
Product: Credit reporting or other personal consumer reports

I wrote a letter stating unfamiliar inquiries showing up on my report. 

The company continues to leave the inquiries on my report even after disputing them to be removed.
Product: Credit card

I do not live at the address the card or cards where sent to. Its killing my credit. I want to buy a home for me and my kids and I can not do so with this in my credit. Please help me. Thank you.
Product: Credit card

Hello I made an online payment to payment to my Elan ( US Bank ) card. It was to a retired person, a significant amount {$2700.00} on XX/XX/XXXX. Elan then debited my account on XX/XX/XXXX ( shows each on my statement as hitting on XX/XX/XXXX. 

Elan did not adjust the monthly payment for payments already received. 

Now trying to get my $ back has become a series of misinformation, roadblocks, and a very poor supervisor/manager named XXXX. 

1. Oh it has to clear your account. It cleared on XX/XX/XXXX XXXX ( Elan ) failed to adjust the monthly withdrawal amount XXXX. It will take 14 days to get you your money 3. Wanted to set up a dispute and go to arbitration oh you have to get a lawyer to file for arbitration as a payment is not a transaction. What???????? Last time I looked right on the statement are all of my credit and debit transactions 4. They can do an expedited review if I either send in or fax a copy of my XXXX XXXX account statement showing that the transaction has cleared ( ummmmmm.. it is posted to the account, it has cleared- it been 5 days. 
5. They said I can only fax or mail in my statement they do t have email. Funny that a bank wouldnt have an email system. I do t have access to a fax machine.
Product: Credit reporting or other personal consumer reports

These records were not started by me, and I unequivocally accept they are deceitful. I compassionately ask that you direct an exhaustive examination and eliminate them from my credit report as needs be. I have given documentation to help my case.
Product: Debt collection

A few months ago I was startled by an alert on my credit advising that a collection account appeared on my credit from a company called LVNV Funding. I immediately contacted them by phone only to be on hold for an extensive period of time. I also sent them a certified letter to the address on my credit which is LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and the letter was returned. However the account remains on my credit and I was not notified before they placed the account on my credit .... put simply the unknown debt was not verified and I can not reach them
Product: Debt collection

XX/XX/XXXX : Started to receive phone calls and emails from XXXX and XXXX regarding a Citibank XXXX debt of {$7100.00} XXXX XXXX : Submitted a written request via email to opt out of communications from XXXX and XXXX. 

XX/XX/XXXX : Submitted complaint number XXXX to the Consumer Financial Protection Bureau XXXX For inaccurate reporting on my credit report. Since XXXX XXXX XXXX owns the debt it should show as a collection and not a closed account with a balance owed to Citi bank. The CFPB sent the complaint to XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX and XXXX responded. I was unable to open the response PDF at the time on both my phone and my computer. 

XX/XX/XXXX : I received a letter from XXXX XXXX XXXX XXXX stating that according to public record a lawsuit had been filed against me. I was able to find the case by using the search tool XXXX XXXX XXXX XXXX XXXX XXXX 
I reviewed the court activity and see that the following activity took place on XX/XX/XXXX : Notice of filing filed, affidavit as to military service filed, summons issued and returnable, consumer debt complaint filed, and new case filing. I can also see that there is a court date of XX/XX/XXXX in XXXX XXXX XXXX with judge XXXX XXXX XXXX. 
I sent an email to XXXX on XX/XX/XXXX, XXXX requesting information on the summons that I never received. 
I looked up my original CFPB complaint and found that I was able to open the response from XXXX and XXXX XXXX, see document in desktop folder XXXX and XXXX. 
It indicates dates that have nothing to do with this debt. The dates were incorrect, the client was incorrect, and I was never served or requested to appear in XXXX XXXXXXXX XXXX XXXX I did not even live in XXXX  at the time of this case. 
I was able to obtain the court record that was referenced in their response letter ( see attachment ). This court case is not me. XXXX XXXX XXXX XXXXXXXX I responded to my original CFPB complaint and am opening an additional complaint. 

Inconsistancies pertaining to their response on CFPB : I believe they are referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX  case number XXXX - the dates align with the dates provided in their CFPB complaint response from XX/XX/XXXX but this is not a case related to me. 
XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account with Citibank on XX/XX/XXXX through a promotion which was supposed to pay me a {$400.00} bonus. I should have received the bonus on XX/XX/XXXX. I have yet to receive the bonus. I called Citibank customer service on XX/XX/XXXX to resolve the issue, and was told they were opening an internal investigation to resolve the issue within 10 days. I have not heard back from them since, nor have I received my {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request asking that duplicates and items that were over 7 years old be removed from TransUnion, XXXX and XXXX. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

Chase bank decided to close my account for whatever personal reason I have some direct deposit through XXXX kick in and I sent two wire transfer XXXX due to my car being repo. They decided to terminate my account without any reasoning I honestly feel like Im being discriminated. Ive never committed any type of fraud activity on my account. I dont even have a criminal record. Never had a problem with the justice department. I dont understand why my accounts were closed.
Product: Credit reporting or other personal consumer reports

I was looking to get new home insurance company but I am being denied home insurance because state there are too any inquiries on your credit report. I pull my credit report from tranunion XXXX reporting agency and there were 84 inquiries by transunion in one year and 67 by XXXX in one year. Transunion could nit explain why this is being done since I have only made one credit purchase for finance in XX/XX/year>2024. These inquiries need to be removed. It causing me hardship to get jome insurance.
Product: Checking or savings account

Re : XXXX Case # XXXX Complaint of XXXX XXXX XXXX This matter involves Citizens Bank and their neglect, failure and refusal to honor the payment of a {$200.00} account opening bonus in accordance with the terms and conditions of a promotional checking account opening bonus offering of {$200.00}. 

Since the opening of said Checking account on XX/XX/2018, Complainant has comported with all terms and conditions of said promotional offer and said account has been and remains in good standing with Citizens Bank. 

Said promotional offer clearly set forth ... you will receive a {$200.00} bonus. Bonus will post to the checking account within 90 days after direct deposit has posted ... 

Complainants qualifying deposit was made on XX/XX/2018, as is reflected on the checking account statement attached hereto, yet to date, more than 90 days have passed and no such {$200.00} Bonus has been credited to Complainants account. 

It is Complainants position that Citizens Bank has perpetrated a fraud, in and of a breach of contract, upon the Complainants herein and should be made to rectify said breach of contract and be sanctioned according.
Product: Credit reporting or other personal consumer reports

I disputed the XXXXXXXX XXXX XXXXXXXX account after receiving a copy of my credit report, and noticing there is an unauthorized account made by the XXXX XXXX. To my knowledge, I have not signed any documents authorizing the company in question and The listed inquiry was without authorization. There was also a breach of social security numbers that occured that this account could have stemmed from. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I disputed this information with all three credit bureaus and they continued to be reported. I had to file a report with the FTC, showing I was a victim of data breach and identity theft to help resolve the matter. Please remove account
Product: Debt collection

Collection company is attempting to collect on a debt that was removed from my credit profile previously and now they have replaced it back on my profile. I believe this is intentional to cause me catastrophic harm to my credit profile. Moreover, I never signed an agreement with this creditor at anytime for any reason.
Product: Debt collection

Received email stating I had authorized a payment for a {$560.00} purchase I did not make. I called to dispute charge. They then said they needed to get into my computer to assist with refund/credit procedures. Once in my computer, he started the process for the refund. He had me complete a {$20.00} refund request to test that the connection was correct. That {$20.00} test immediately became {$2000.00}, which I believe he changed while in my computer remotely as I was not able to change or correct. So he demanded I obtain {$2000.00} worth of gift cards and take photos of the gift cards ( serial codes ) and send to him via text. He was then to refund the {$560.00} but claimed he could only send me {$2700.00} ( minimum amount his business account could give ), I would then have to get more gift cards to cover the difference between {$2700.00} & {$560.00}. He threatened me with putting my bank account on hold unless I did what he said. 
I sent him {$2000.00} of XXXX and XXXX gift cards, withholding the rest. He locked my computer and demanded {$500.00} to unlock. 

Email below : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : Thankyou for your order. XXXX XXXX We are thrilled to confirm the order you recently placed with us. Rest assured, our dedicated team is already hard at work, meticulously preparing your order to ensure it is delivered promptly and meets your expectations. As per the estimated delivery date mentioned in the order details, you can expect to receive your items on time. We take immense pride in providing exceptional customer service. If you have any additional requirements or questions about your order, or if you need to modify anything, please don't hesitate to reach out to us. Our friendly support team is always here and ready to go the extra mile for our valued customers like you. XXXXXXXX XXXX You authorized a payment of {$560.00} to XXXX, XXXX He said his name was XXXX XXXX, representing PayPal XXXX 
Phone number : XXXX
Product: Consumer Loan

I received a letter from a company identifying themselves as California Check Cashing requesting payment for a loan that I know nothing about. I called the phone number on the letter to inquire about the letter sent to me, but they insisted that the only way they can help me is if I disclose my social security number to them which I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, a balance transfer was made to XXXX XXXX  credit card from XXXX XXXX XXXX ( XXXX ) to clear debt. Not seeing the transfer was not applied to my XXXX XXXX  account, I contacted them around XX/XX/23 and they claim never receiving the mailed check from XXXX. I contacted XXXX and they stated that the check had been received and cashed by XXXX Bank on XX/XX/23. I have received documents from the credit card company to let me know they were investigating. On XX/XX/23, they requested a copy of the cashed check which I mailed via certified mail XX/XX/23 and was signed upon receipt XX/XX/23. I contacted them again and they responded perhaps the check had been declined and returned to financial services. In which case, that did not happen. Receiving another letter requesting a copy of the cashed check XX/XX/23, I resent request of the copy of the check via certified mail XX/XX/23.
Product: Checking or savings account

On XX/XX/2021, I initiated a transfer of {$100.00} from my checking account to my money market account. I received an error on the transfer and tried a few more times, unable to get it to go through. On the morning of XX/XX/2021, I contacted Schwab customer service because I continued to get an error message. A team member on the brokerage side attempted to do the transfer for me but also encountered an error. She transferred me to a representative on the banking side who was able to get the transfer through. 

That afternoon, I looked at my account and saw that nine transfers of {$100.00} left my checking account. It appeared that one went through for every time I or a customer service rep attempted to make the transfer. However, when I looked at the brokerage account, only one transfer of {$100.00} went through. This left {$800.00} missing from my checking account. 

Since XX/XX/XXXX I have spoken with multiple representatives at Schwab. Given their long hold times, I have spent many hours on the phone waiting for help. Each customer service rep I have spoken with has told me the issue was known and was being worked on. Each promised me the issue would be fixed by the following business day. As of today, XX/XX/XXXX, the issue still hasnt been fixed. 

If I would have overdrawn my account I would have incurred bank fees as a penalty. Instead, in this situation, I have to float {$800.00}, money that can not be spent or invested, because of a banking error that Schwab staff is seemingly unable to resolve. I have been told by some reps that the eight erroneous transactions would be voided and the funds returned to my checking. Others have told me the eight erroneous transfers would be completed and the {$800.00} moved to my brokerage. I am unable to understand why this issue can not easily be resolved and have completely lost both patience with this process and faith that my money is safe with Schwab. 

It is worth noting that in the middle of this issue, I encountered another issue with Schwab whereby a stop limit set on a security I once held with Schwab but later transferred to XXXX was activated. I had an alert in my account showing I owed those securities back. Thankfully, they were able to void that transaction but it only adds to my impression of Schwab having issues with the way in which their systems hold and manage my money.
Product: Checking or savings account

As a customer of Regions Bank I have been discriminated against and treated as a criminal with my account and or funds being hijacked and withheld without just cause. I have been denied and threatened with police force several times while visiting the bank in an attempt to withdraw my funds. I have been traumatized and my dormant XXXX has been triggered and aggravated as a result of my life being threatened. 

XXXX a XXXX XXXX XXXX XXXX veteran. 

My accounts have been manipulated and flagged to treat me a fraudster instead of a customer. I have been denied access to withdraw my funds, debit card charge denials, and online services such as XXXX has been maliciously and frequently interrupted which has caused me personal and business conflicts to send money to family and friends and business relationships and or investments.
Product: Checking or savings account

Action : Notices Fraudulent Transactions Transaction ( s ) Dates & Amounts : {$180.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$20.00} XX/XX/XXXX, {$25.00} XX/XX/XXXX, {$60.00} XX/XX/XXXX, {$9.00} XX/XX/XXXX, {$200.00} XX/XX/XXXX, {$460.00} XX/XX/XXXX, {$70.00} XX/XX/XXXX, {$17.00} XX/XX/XXXX, {$130.00} XX/XX/XXXX, {$10.00} XX/XX/XXXX, {$20.00} XX/XX/XXXX, {$30.00} XX/XX/XXXX, {$30.00} XX/XX/XXXX, {$1.00} XX/XX/XXXX. 
Action : Transactions Disputed Action : Chime Investigates Action : Chime Denies Claim Action : Chime Provided Notice Action : Claimant Obtains Documentation for Conversation of Victim and Suspect Action : Police Report Filed Against Suspect Action : Claimant Provides Additional Information Regarding Dispute with Suspect Admittance to Transactions Action : Chime Continues to Deny Reopened Claims. 
Action : Claimant Supports Additional Information Provided with a Written Statement that the Device with Fraudulent Transactions was Stolen Action : Claimant Reopens Claim Action : Chime Denies Claim Action : Claimant Requests Documentation Action : Chime Sends Documentation Related to Determination of Claim Denial Action : Claimant Attempts to Resolve Claim with Chime Actions : Correspondence Ignored, Bank Account Closed, No Checks Given. 
Actions : Submitting CFPB Claim XX/XX/XXXX Comment : After dispute requests were informed they included discrepancies such as the stolen phone, the con-play between XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( XXXX ), the police report, other underlying factors that cant be noticed through a computer unless stated, etc. and yet Chime still chose to deny/close the dispute, close the account in the negatives, and continue to revoke payments on the fraudulent transactions.
Product: Credit card or prepaid card

XXXX Credit Card is charging larcenous interest & late fees even though I'm making regular payments. 
Activity for XXXX XXXX XXXX XXXX Current Balance : $ XXXX $ XXXX Last Payment XX/XX/2018 $ XXXX
Product: Debt collection

Midland funding has 2 fraudulent collection accounts on my credit report. One for {$740.00} and one for {$590.00}. They report as delinquent derogatory accounts on my credit report every month. They update as negative accounts every month against me. I have filed several disputes with the credit bureaus for the last 3 years and they have not taken any action. These are fraudulent accounts that I do not owe and that are not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report dated XX/XX/2023 from the three major credit bureaus shows that Santander consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue concerning unauthorized hard inquiry that persists on my credit report. Despite my initial dispute, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of this unwarranted inquiry from my credit profile. 

XXXX - XX/XX/2022
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports