23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I was fraudulently charged {$2000.00} by a individual who was supposed to only charge {$750.00}. He did not complete the work, and instead charged my card {$2000.00}. After I noticed the charge, I texted and called him, as I just assumed it was an honest mistake. He had already blocked my number. I filed a dispute with USAA for {$1200.00}, as I had intially agreed to pay the individual {$750.00}. In hindsight, I should have disputed the entire amount as the scammer didn't complete the work we agreed to. That same day USAA credited my account. I assumed all was well. On XX/XX/XXXX I saw that my credit card had been re-charged the {$1200.00} that I had disputed. Turned out, they had uploaded documents to my document section saying they needed more information. They didn't call me, didn't email me, didn't message me, nothing. Since I didn't know they needed more information, they didn't receive a response and they closed my dispute claim. So I called the help line and re-opened the dispute claim. They didn't state what additional information they needed, just that they needed additional information. There is no way to talk to the actual fraud investigative team, you can only upload documents to the case and hope they see it. I wrote down the entire situation on paper and took a picture of that ( there is no where to add notes or communicate with the investigative team ), I took a screenshot of the call logs where I tried to call the individual who scammed me, I took a picture of the text message where we agreed to {$750.00} and where he did not respond after I sent him a screenshot of the {$2000.00} charge asking him if he made a mistake. I took pictures of the incomplete work that the individual performed. I uploaded all these photos/screenshots to the case. On XX/XX/XXXX, the case was again closed with the following : Weve completed our investigation of your dispute and determined that the information in our records was deemed insufficient. As a result, our decision stands. You remain responsible for payment of this transaction and any associated fees. This concludes our investigation. Again, no information on what records I could provide that would be " deemed '' sufficient. I called the help line on the morning of XX/XX/XXXX and asked if there was any additional information I could provide that would meet their requirements. The representative didn't know. At that point I asked to file an official complaint with the Office of the CEO. The representative did not know how to do that, but found some documentation and supposedly submitted a form so that the USAA complaints team would call me back. While I'm hopeful, but doubtful, about the complaint process, this entire process has been ridiculous. USAA puts the burden on the member to do all the work and investigation on fraudulent charges. The do not communicate, do not give details, and do not side with members. USAA does not protect its members from fraudulent charges on credit cards, but instead holds them liable.
Product: Checking or savings account

XXXX incorrectly charged my Huntington checking account when making a purchase ( I was never prompted in XXXX to select the account to charge, and they didn't use my default payment method ). I called XXXX to resolve the issue, but they informed me that they could not refund the amount charged and that I needed to dispute the ACH transaction with my bank. 

I called Huntington to dispute the ACH transaction. I was out of the country for a week and Huntington has cancelled the dispute since I was unable to respond fast enough. I have provided the requested paperwork and called, but the overdraft fees and the ACH dispute still haven't been resolved.
Product: Credit card

I applied and was approved for an XXXX XXXX credit card, but the company failed to honor the solicited promotion. The company offered a bonus membership points reward to new members who spend {$1000.00} or more with in the first 92 days of the membership. Before I applied for the card, I called the company and asked them specifically about how to qualify for the award, and I was told that all I have to do is to make {$1000.00} on my account within the first XXXX days of the membership. The company did not tell me that a transaction on the XXXX day would not be applied to {$1000.00}. Then, I applied for the card online after relying on what the representative told me over the phone. During the first XXXX days, I have made in the total of {$15000.00} on my account which is more than {$1000.00} miminum to qualify for the bonus. Later, I spoke with the representative on a recorded line and she said that a transaction on the 92nd day would not count toward {$1000.00} minimum because that transaction would not be posted on the account on the same day. Therefore, I will not be qualified for bonus membership reward for new customer/card member as originally advertised and solicited. The company did not make it clear in the first place about the transaction on the last offering day. I applied for the card because I wanted to get new customer bonus points. I did everything as the representative said, and I should get the bonus but the company said no because the transaction that I made on the XXXX will not count toward the {$1000.00}.
Product: Mortgage

Follow up the complaint - XXXX - closed case Rushmore has responded the CFPB complaint and provided the response letter dated XX/XX/2022 and directly addressed to my name XXXX XXXX XXXX from Customer Correspondence Department and the contact number, is XXXX. 

I found that their payoff loan amount is unreasonable - I have attempted to reach out to Rushroom multiple times for the payoff amount ( the contact phone number - XXXX ). They claimed that I am not the authorized person, they can not disclose any data. However, I have received the letter and addressed it directly to my name, " XXXX XXXX '', they claimed that they don't have any record in their file and could not discuss the loan and then hang up my call. ( the conversation was with XXXX XXXX XXXX. So I have no other option to follow up the loan, this is the only way i can communicate the discreprencae loan amount through CFPB. 

The total payoff amount is {$200000.00}. However, there is included 1 ) Escrow Advance Balance {$15000.00}, ( I am paying the HOA fee, homeowners insurance, property tax - no outstanding due ) 2 ) Late Fee balance {$1100.00}, 3 ) Property Inspection {$15.00} 4 ) Corporate Advance balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have authenticated over the phone that a person in the executive team rapidly sent a correspondence without completely doing their due diligence. The conversation started with the amount owed for XXXX of XXXX. The amount has tripled. They claim that their XXXX APR is no longer in effect. The XXXX APR was over many months ago. In fact it should have not been in effect since they closed my account and also caused delinquency. The gentleman that I spoke to started to then go backwards to XXXX of XXXX in which he said I made charges. I asked him did I pay the bill and he authenticated that I did. Then we started moving forward to the months after that and he authenticated that payments were made. Then he skipped all the way to XXXX in which he started to all the previous months and tried to change the conversation. He claimed I didn't make the payments. Meanwhile I said that Bank of America didn't allow me to make payments, canceled my card and in addition hurt my credit score. This same gentleman wanted to talk about XXXX and not talk about the issue. Bank of America was the fastest to respond and I asked him if he listened to the voice recordings and do his due diligence. He ignored the question. We spent 1.5 hours talking about subjects that he wanted to avoid. 
Regardless he claimed the case was closed and I said how can the case be closed if he hasn't done all his full due diligence. He then admitted that he needed to do more research. I mean seriously ... You conclude and then say you need to do more research. 
Regardless I have submitted and uploaded that I have made payments to this website and I also proved to Bank of America and they still refuse to accept that they have made massive hurtful errors to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with Navy Federal Credit Union as well as the Credit Agencies to CORRECT and INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have received an Answer to the 3rd Request from Navy Federal Credit Union regarding a specific account ( XXXX ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Navy Federal Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT and responded with all information is Accurate. Completely ignoring the Law.

I want the utilization corrected immediately!
Product: Credit reporting

The federal tax lien in amount of {$110000.00} dated XXXX/XXXX/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX/XXXX/XXXX when the substitute tax return was prepared XXXX. Thank you.
Product: Debt collection

identity theft and fraud victim already reported to XXXX police department/ i have contacted all credit agencies to verify and remove all fraudulent activity/ still the info remains on my reports and have requested it to be REMOVED
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and, as such, I am requesting the immediate deletion and blocking of certain accounts and inquiries that have been fraudulently reported on my credit file. These accounts and inquiries are the result of unauthorized activity and do not belong to me. I am requesting that they be deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the specific accounts and inquiries I would like to have removed from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Trading functionality has been " temporarily suspended '' on my XXXX account since XXXX XXXX 2017, this means my money is stuck in the exchange and there 's nothing I can do to solve this issue. 
Customer support is not writing back since XX/XX/XXXX. 
How can I get my money back? 

Coinbase/XXXX case ID is XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not been able to provide my credit report nor any information in my credit report for months. They did not give me any resolution to the problem and I still can not access my transunion credit report.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report** To Whom It May Concern, I recently reviewed my credit report and noticed that some information is incomplete, outdated, and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

The following accounts are not complete and accurate : XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status, wrong account number XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX  XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX Number : XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status Furthermore, 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. 

Given these discrepancies, I request that an investigation be conducted and that the inaccurate information be corrected or removed from my credit report promptly. I trust that your procedures will ensure the maximum possible accuracy of my credit information as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

There is an account on my credit file that doesnt belong to me, I had my ID stolen and sent this company my police file and FTC
Product: Consumer Loan

I had a vehicle loan with Automotive Services. I am XXXX XXXX military. I received orders to XXXX. Once I saw that was happening I informed Automotive Services of my upcoming move and that I could not take this vehicle with me. I informed them also of the Service Member Civil Relief Act and they said they did not honor that. So my options were pay for a car for XXXX years that I would n't be able to see or drive or turn it in. I tried to resolve it in a civil manner and they kept telling me they would not honor that Service Member Civil Relief Act and that I would have a repossession on my account if I willingly or unwillingly gave the car up.
Product: Debt collection

Jefferson Capital Systems XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Balance {$300.00} Credit Limit I've Called all 3. XXXX XXXX XXXX XXXX, Jefferson Capital Systems LLC and XXXX. They all are going after the same debt from the Original Creditor which is XXXX XXXX.So I choose a payment plan through Jefferson Capital and paid it off.See attachment below.
Product: Credit card or prepaid card

They previously took care of the issues that I had, my payment was to be due on XX/XX/2021 - I attempted to pay the payment in XXXX when I got paid - I get paid bi-weekly and did not get paid again until the XXXX. In late XXXX when I logged in to make the payment the account would not allow me to log in to my online account to make the payment as the issues had resolved - I have no problem making my {$31.00} payment that was owed, but because I could not log in - when I was finally able to log in - there was an {$89.00} payment due on the account because of late fees - this is not okay - this would have been paid on-time actually early had they not locked me out of my account and told me that I needed to call them to make payment. I wrote them - they will not take the late fee away nor take just my {$31.00} payment - if I pay just the {$31.00} they are going to apply a late fee every month. I can not due the {$89.00} right now.
Product: Debt collection

credit control trying to collect a debt from me I do not owe my, my medical records has been compromise and my Hippa rights has been violated I have reach out to the bureau XXXX XXXX an XXXX They are not cooperating
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Experian XXXX XXXX XXXX {$79.00} a year for during the past 3 years. They advertise that " they will notify you if your social security # has been compromised ''. They totally missed it when I had an IRS data breach either via my tax person or the IRS itself as she states that they were breached 4 times last year. 

Anyway, XXXX XXXX XXXX I have evidence that they advertise they will notify me if my soc Sec # would be compromised. THEY did not. When I contacted them XX/XX/2019, I told them the situation and said " why did this happen? '' They laughed in my face! I asked " excuse me, may I have a refund of the rest of my membership please as obviously it did not work? '' They responded with " sorry no refund '' in a male voice still laughing at me. So for being their customer for more than 3 years l find it extremely disappointing and terrible that I got treated like that. I definitely need to make a complaint against them and their " false advertising '' it seems like to me. 

The next time I contacted the company on a different day, they said they will be making me a refund of {$32.00} and some change ( approximately ). I asked them about identity restoration and they responded with " we just sell these plans, we are not investigators. '' I still to date of this writing have not seen any refund on my account they charged ( 37 days ago )
Product: Debt collection

I received a letter from AR Resources out of Pennsylvania stating I owed a balance and would be reported to collections. I called within 24 hours and the gentleman I spoke with explained I owed this to the physician when I let him know my insurance should 've covered this. When I let him know I never received a bill and would like a copy, he asked " for verification, WHY do you need a copy?! '' I let him know once again I never received XXXX, the hospital name was wrong on the statement they sent and I knew I am legally entitled to XXXX. He interrupted me and said something along the lines of, " oh you know you 're LEGALLY entitled? this is going on your credit if you do n't pay this. Do you understand? '' I asked him to please not interrupt me and tried to finish what I was going to say and he started yelling at me saying that I was ridiculous for not paying this now and I needed to or he was reporting it now. According to the letter I have a right to dispute or pay the bill within 30 days so why was I being threatened with this? I tried to interject his rant and asked him to please transfer me to someone else and he completely refused. I asked him two more times and told him I did not appreciate him being rude to me and he yelled at me that I was rude and he would not help me and " What do you feel bullied and threatended?! '' At this point I ended the phone call. I tried calling back but he answers and each time ahd I do n't feel Comfortable talking to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I Have the right to Privacy.

15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B A Creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 


XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX AUTO XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX OF XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian