23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/2016 I noticed a charge to XXXX in the amount of {$390.00}. Immediately I called Capital One customer service to report I did not purchase a ticket on XXXX. The customer service representative cancelled my credit card and issued me a new card. I received multiple letters stating I would not be held responsible as I reported the claim as fraud on my credit card. Last month in XXXX, I received a phone message to call XXXX in fraud protection at Capital One. I spoke with her over the phone and I told her numerous times, this CHARGE to XXXX was NOT MINE. After that conversation I received 2 letters on the same day. One letter stating the issue was resolved and I would not be charged for the fraud charge. The second letter stated I am responsible for the charge because Capital One has me on voice recording stating I made the charge. I called and spoke with 3 managers explaining I would never have said the charge was mine, because it was not. They refused to give me a transcript of the taped phone call. I have written a complaint letter to Capital One and I am waiting to hear from them. I ca n't believe I am going through this with Capital One. I have been a customer for over 15 years. I always paid my bill on time every month and I was fortunate I have not had fraud on my credit card until now. I can not believe they would treat a customer with an outstanding credit score, like mine in this way. I am asking for your help to resolve this issue. All I want is for Capital One to honor their initial decision to remove the fraudulent charge from my credit card. The charge of {$390.00} is currently due on XX/XX/2016 and it is not fair I have to pay for a charge which is not mine. Thank you!
Product: Money transfer, virtual currency, or money service

I have consistently tried to remove XXXX XXXX from my Paypal account. For 2 weeks now, it has literally told me " sorry we cant process this request. Try again later '' EVERY TIME. Paypal REFUSES TO ALLOW ME TO REMOVE MY XXXX XXXX ACCOUNT FROM MY ACCOUNT. 

Why does this bring me to file a complaint? Well because I have tried and tried again to remove it and Paypal wont let me so I added my XXXX XXXX XXXX  account to my Paypal account and set THAT as my preferred form of payment. I should've been straight even tho it refuses to remove the XXXX. I have manually set MY PREFERRED form of payment to be my XXXX XXXXXXXX XXXX  card. 

I ordered some XXXX  and used my Paypal ( that supposed to deduct the amount using my XXXX XXXX XXXX ), instead of it charging my XXXX XXXX account, it charged my XXXX XXXX account that I have purposely XXXX  out so that I can close it. 

I tried contacting Paypal numerous times and they force you to use their resolution center instead of being about to talk to a live person for an emergency such as this. I submitted the dispute and have yet to hear from them meanwhile XXXX XXXX is charging me late fees and I'm getting messages about hits to my XXXX CREDIT score. So not only is Paypal and XXXX messing up my money, they are interfering with my personal and business credit. All because they failed to honor MY setting. 

Now XXXX is saying that that negative balance is going to sit on my account, hurting my XXXX  credit score every day its there until Paypal decides to respond and fix this. 

I will be severing ties with them both after this because I see I can not trust using these financial institutions for business or personal finances.
Product: Money transfer, virtual currency, or money service

My Robinhood account has been restricted since XX/XX/XXXX. Robin Hood is not allowing me to withdraw my cash balance from my brokerage account of {$10000.00} I wanted to withdraw my money to move to a different platform. However Robinhood has restricted my account and the message states. 
Your Robinhood accounts are restricted due to a recent review. We'll notify you by XX/XX/XXXX Before this it said theyd notify me by XX/XX/XXXX, then it said theyd notify me by XX/XX/XXXX then it move to the XXXX when the XXXX came they moved it to the XXXX. 

I did some research online and discovered that Im not the only one who has come across this issue. 

Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect reporting of my Kay Jewelers account as it is listed as closed. The account was opened in XX/XX/2018. My account has never been delinquent and all payments have been made on time. I have also called the company on multiple occasions to resolve this matter and it has not been corrected. This is a huge error that has negatively affected my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late
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 federal protected consumer rights to privacy and confidential under 15 USC 1681. 

Account Name : The 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. 

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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have recently opened a business credit card with US Bank. Since receiving this credit card, that is linked to me personally and also to our work account I have received numerous fraudulent emails on new accounts being opened and money being transferred. I have been in contact with US Bank numerous times from XXXX  XX/XX/22 through today, XXXX  XX/XX/22. US Bank has not been able to provide any resolution and do not I feel they are keeping my information safe and the attempted fraud is continuing. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT KARMA PERFORMING HARD CREDIT PULLS CHECKS AND CONSTANTLY STATING PREQUALIFIED OFFERS FOR CREDIT CARDS THAT ARE CONSTANTLY DENIED AFTER THEIR STATEMENT OF 90 % APPROVAL AND CARD OFFERS COMING WEEKLY WITHOUT WARRANT OR APPROVAL. FALSELY RECEIVING CREDIT CARD OFFERS THAT HAVE AFFECTED MY CREDIT SCORE FOR YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed late payments multiple times regarding XXXX XXXX XXXXXXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX XXXX and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Product: Debt collection

While I was checking my credit report in the XXXX XXXX app, I noticed my credit score dropped XXXX points. I thought this was curious, so I did some digging and saw there is a debt trying to be collected by SEQUIUM ASSET SOLUTIONS dated XX/XX/2022 for {$6800.00} from XXXX XXXX. I have never ever had any affiliation with XXXX XXXX, in any capacity. This is clear fraud.
Product: Credit card

We received confirmation that we authorized full payment to be made through ACH on XX/XX/XXXX. XXXX, XX/XX/2026, we checked our balance due and it showed that no ACH transaction was processed by Chase. The feedback from Accounts-chase.com accessed through the Chase app states the following : " Does Everything Look OK? ", Payment Date ( Due date : XXXX XXXX ) XXXX, Pay from XXXXXXXX XXXX XXXX ( ...... ) { The checking account number was not supplied due to security concern } Under Payment Authorization : By coosing " Pay it '', you, XXXX XXXX XXXX { name omitted }, authorize the one-time payment of {$9100.00} to your credit card account ending in ( .... ) { number omitted } .We 'll withdraw as a ACH debt from your pay-from account ending in ( .... ) { number omitted for security } and the payment to your credit card will be dated on XXXX withdrawal will generally occur within 2 business days of this payment date, but the exact timing is dependent on the bank 's processing schedule ..... '' We checked our balance and there was a message that we were in arrears due to no payment in XXXX despite the " confirmation '', though it was stated, as it has been worded on past messages when the transaction had been successful that " We'll withdraw as a a ACH ... ''. The second representative with whom we spoke told us that people generally check 2 days later to make sure that the transaction actually occurred, Our accountant, who uses Chase and the app feels that this statement is not accurate and that, unless otherwise informed, the transaction is assumed to have gone through. We check with our XXXX account and no transaction was reported, so it seemed that Chase erred in not initiating the ACH transfer. 

We transferred the XXXX payment today making us current in or payment, but were informed that our chase card is now inactive and will not be activated until the withdrawal from our checking account occurs within the next two business days. Since we have autopay on many accounts, payments to several key accounts may be rejected. Chase representative XXXX and his supervisor XXXX said nothing could be done and that there was no one else to speak with up the chain of command. 

We also fear that this mix up could affect our credit. we have used this Sapphire credit card for many years and never missed a payment except when we were hacked about a year ago. We feel that this problem, which appears to be an error on Chase 's part could have been corrected immediately with effort to move it up the chain of command. We received " understanding " but no corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX XXXX WA XXXX Dear Sir or Madam : XX/XX/2021 I recently applied for a Home Loan and was denied. In large part, this was due to errors being reported in my name by Experian. I am therefore requesting that you do a thorough investigation of the accounts Ive listed below for both accuracy and completeness : Creditor Account Referenced Creditor Account referenced XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX # XXXX # XXXX Key # XXXX # XXXX # XXXX # XXXX The errors Experian is reporting in my name are causing me great financial harm. Pursuant to my rights under the FCRA, I will wait no more than 30 days from the verified date of your receipt of this letter ( sent to you via USPS Certified Mail ) for completion of your investigation. Upon completion of your investigation of the accounts listed here, please provide me a corrected and complete copy of my credit report. ** Specifically, I request that Experian demonstrate the Date of Last Activity, or Last Active date, for each of the accounts in your records. ** It is my understanding that the FCRA allows a Credit Reporting Agency to request proper identification before addressing my concerns. To that end, I have enclosed the following information to demonstrate my identity : A copy of my U.S. Passport Two bills addressed in my name and delivered to my address of record A copy of Page 1 of the Partners Credit & Verification Solutions credit report used in considering my loan application which demonstrates that Experian sold my information and that this is the same information I have provided to you in the List of Accounts presented above. 

XXXX*Note : I have every reason to believe that a U.S. Passport is accepted in all 50 States and by any US Court of Law as Proper Identification. Additionally, both my Social Security Number and Date of Birth are displayed on the Partners Credit & Verification Solutions credit report. Demonstrating that Experian sold my information to them using this same information as identification. This statement is signed under oath and is a true representation of the information available to me. 

Regards, XXXX XXXX XXXX XXXX. 


CC : File
Product: Credit card or prepaid card

I received a Vanilla Gift Card in XX/XX/XXXX in the amount of {$300.00}. I did not attempt to use the card until XX/XX/XXXX. When I logged in to check the balance, I noticed that there were various fraudulent charges that took place in other cities away from where I live. I called Vanilla to dispute the charges and they told me to submit a packet with information for the dispute, which I did on XX/XX/XXXX. Vanilla told me it would take 90 days, or less, to complete the investigation and reissue a new card. 
I called after the 90 days had concluded, on XX/XX/XXXX, and Vanilla stated that they had not even finished " investigating. '' I have sent several emails to Vanilla and there is no response. And you can not even speak to the dispute team on the telephone to know what the status is. I do know that this particular gift card is serviced through XXXX XXXX, but I do not know what their exact role is.
Product: Mortgage

In XX/XX/XXXX PHH Mortgage acquired my mortgage from XXXX XXXX. At the time of the acquisition I was just finishing 6 months of forbearance, as allowed by the federal government due to Covid, and ready to resume making payments XX/XX/XXXX. At the time of the acquisition, my Principal balance was {$150000.00}. When I received the statement from PHH they said my Principal balance was now {$150000.00}, which was quite a surprise. They had split my mortgage into 2 separate balances, {$6400.00} added to the end of the loan as non interest bearing from the forbearance, and {$140000.00} for the regular principal. Through several back and forth phone calls with PHH no one was able to explain the Non-Cash Adjustment of {$2300.00} on XX/XX/XXXX. They kept telling me they'd have to send it to the research department and call me back in a week. They always called back in a week and still couldn't explain what it was. They would just say that it's a Non-Cash Adjustment, but couldn't tell me how they arrived at that figure, nor why it reduced my principal from {$150000.00} to {$140000.00}. They also couldn't explain why the 2nd Non-Cash Adjustment ( this one for {$6400.00}, also on XX/XX/XXXX ) INCREASED my principal. By my calculations, they're charging me {$4000.00} and can't explain why. I've been very patient with them, giving them every opportunity to provide a reasonable explanation, but no matter how I figure it, it doesn't make sense to me. I'm not unfamiliar with mortgage terms, as I worked in banking, finance, and mortgages for 12 years at 3 different banks. If you can assist me that would be wonderful. Thank you.
Product: Credit card or prepaid card

For weeks my ReliaCard has been locked due to a change of address. The address that I chanted it to is the address on my state issued I.D and has been my address for the last 4 years!!!! When I applied for unemployment 2 months ago my wife and I were currently separated and I was then staying at my moms. I have uploaded a picture of my I.D and social. It is now the XXXX of the month and I have no money to pay my bills. I have a family to feed and I am lost! Please help
Product: Credit reporting or other personal consumer reports

The institution violated The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ; and also 5 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need my written consent to add anything to my consumer report I did not give this institution authorization ; that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX Stat. XXXX ) even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). WHICH WAS NOT DONE!
Product: Vehicle loan or lease

I filed a chapter XXXX bk in XX/XX/XXXX. At the time XXXX XXXX XXXX stated the amount owed was XXXX, XXXX. Through the chapter XXXX bk, this amount was settled in full. My wife attempted to call them today XX/XX/XXXX and back in XXXX to get our title from them. However, they are saying that we still owe a balance. Our bk was discharged on XX/XX/XXXX with no response from this lender contesting the Trustee 's Final Report. We'd like to have our title to our vehicle that may we may move on with our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called and wrote to NELNET about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below are the lists of the late accounts that need to be updated and corrected immediately : FEDLOAN-XXXX-Balance {$7400.00} FEDLOAN-XXXX-Balance {$4200.00}
Product: Debt collection

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear American First Finance, I am writing to report an incident of unauthorized debt collection attempts made by American First Finance. Despite the debt not being owed by me, American First Finance acct # XXXX persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). The incident occurred over the past several years, during which American First Finance repeatedly contacted me, claiming that I owed a debt to American First Finance. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, American First Finance continued their collection attempts. Furthermore, American First Finance repeatedly contacted XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). Numerous attempts were made to communicate with XXXX XXXX XXXX to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. I urge you to take appropriate action against American First Finance to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. Thank you for your attention to this matter. Sincerely, XXXX XXXX