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

Ive had American Express serve for years for me and my wife, the account was solely in my name. Well on Thursday XX/XX/XXXX i attempted to use my card at the Funeral parlor to purchase keepsake urns for my wifes family, My wife passed away XX/XX/XXXX at the age of XXXX. Well i called the number on the back of the card only to be told my account was locked, ( Wont give me a reason ) Wont give me my money, and is telling me in order to get an answer i have to MAIL a letter to Serve Customer Care. I got NO notice of it closing, they haven't sent me ANYTHING saying why, no email, text letter nothing. 
XXXX XXXX XXXX XXXX, GA XXXX Ive called 5 times because i was in aww that they can take my money, close my account and tell me to MAIL someone, seems odd if you ask me. I spoke to a supervisor named XXXX employee ID # XXXX. He told me the same thing and will not help. Friday XX/XX/XXXX i typed up a letter and sent it priority mail with tracking, i also have notified my local Attorney Generals office for help, emailed a local news source and filed a complaint with the XXXX. Everything i do is linked to that account, Stimulus, unemployment, taxes, bills. They left me in a bad spot at a bad time in my life when my wife passed away. This is not fair for an institution this big to just do what they are doing to me. Please help me. Thank you XXXX XXXX
Product: Prepaid card

on XXXX XXXX 2015 a hold for XXXX was placed on my account XXXX i called XXXX import and XXXX said it was a mistake they tried 3 times to fax a releash the rush card bank / XXXX said there fax is down after 3 to 5 days XXXX said my money will be releash by rush card rushcard said they dont follow any federal laws or banking laws its now 11 days and the holds have not been releashed they stole my money which is my XXXX payment rush card said call occ and federal banking comm they under none of them and can hold my money for 90 days if they choise to do so i need my money i called on the 10 th day they are telling me no funds will be releashed
Product: Debt collection

It all started after I closed my account with XXXX wireless on XX/XX/XXXX Ive been receiving emails and letters and calls from a debt collection agency called sequium asset solutions. I tried calling this company and XXXX bud never to get through to anyone. They never answer their phones so I assumed it was false or scammers. I was under the impression that it wasnt real because I contacted XXXX months ago back in XXXX and I was assure that I should ignore it and my credit would not be ruined by them. After I closed out my account the XXXX XXXX assured me my account would be zeroed out and I have no financial obligations to XXXX being that I did not have a contract with them I brought over my own phone and I was on a month to month plan. The reason I closed my account was because from the date of XXXX XXXX XX/XX/XXXX of closing my account it has been nothing but a mess I could not access my phone I could make or receive calls I had zero data usage where I can show proof of and not only that an agent took it upon his/herself to upgrade my plan to a more expensive one because they thought it would be better for me and better data usage so I was credited {$40.00} for the inconvenience. From them I was not comfortable keep this account open. I should noticed when they threaten to send my account to debt collectors and  ruin my credit when I was in good standing with them when it was the company who was at fault the entire time I was in full compliance with them. I have proof to show the hours on the phone with them and emails and constantly contacting them. I was even sent emails saying that I never used my line upon opening the account with them. Any how I was told by the agent that I should ignore the monthly bills and letters because XXXX was in the wrong and the account is close theyre should be no active bill. So Im utterly confused as in to why they ruin my credit and sold my information wrongfully to a debt collection agency who dont even have the decency to answer their phone. This is not right I was even told legal actions will be taken against me if I dont pay off the debt. This is downright outrageous! Whats even worst is XXXX refusing to speak with me about the matter at hand. After ruining my credit. All of this was occurring during the Covid-19 pandemic at a time where Im supposed to focused on the safety of my family and myself this occurred? Great job XXXX and Sequium Asset Solutions!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Has kept the same XXXX late payments on my account damaging my credit for over 7 years, and I want XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CARD, XXXX REMOVED FROM MY XXXX CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Factual Data has checked my credit on XXXX  and XXXX. I did not authorize this check.
Product: Checking or savings account

I am submitting a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Although I had sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits. 

This issue aligns with recent findings by the CFPB against Navy Federal for similar practices, where transactions settled with insufficient balances despite having initially available funds. I believe these practices are unfair, and I am requesting an investigation into my account transactions.
Product: Credit reporting

I called XXXX and asked them if they remembered anyone coming in to check on buying a car on the XXXX of XXXX using my SSN. They could n't answer any of my questions and hung up on me.
Product: Credit reporting or other personal consumer reports

Attached is a copy of XXXX XXXX XXXX asking XXXX XXXX TransUnion to delete this XXXX. Account number XXXX, this transmission took place XX/XX/year>, again this transmission was transmitted XX/XX/year>, XXXX ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent request to have information validated and I have not heard anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute through the CFPB. The complaint number is XXXX. Thirty days has passed, and I have not received any response. Equifax had thirty days to investigate my dispute and they have not verified the information as accurate in this time frame. Equifax is required to delete information that has not been verified within 30 days. Please delete the XXXX tradeline.
Product: Credit reporting or other personal consumer reports

I hereby notify you that I am a victim of identity theft and wish to dispute certain items in my file stemming from this crime. The disputed items are not associated with any transactions for which I have provided authorization or obtained goods, services, or money. I request the removal of any reported items in my credit file attributed to alleged identity theft. These items are unfamiliar to me, and I question their accuracy, especially considering their deletion from other bureaus. Moreover, the reported payment history on these items is inexplicable to me. Per FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, the following items are subject to dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$1400.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX - XXXX Reference # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX.
Product: Debt collection

I disputed Portfolio Recovery with all three credit bureaus. There are two accounts in the amount of {$680.00} and {$430.00}. Neither one of these accounts belong to me. I sent in letters as well as entered disputes online asking for this to be removed from my credit. This false information is causing issues in the advancement of my life due to defamation of myself and my credit history.
Product: Credit card or prepaid card

Note : Grandpa'sspacebarisbroke.Facts : XXXX, XXXX @ CALSTATfor $ XXXX & XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I noticed some credit INQURIES that i didnt allow or authorized, i have no accounts with these banks and company
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX 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

Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status of account was 30 days past due two times and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that  Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit card

Why was my account closed when I never verbally asked for it on the call and denied all disclosures? 

On Tuesday evening at XXXX pm, I contacted Capitol One customer support to inquire about my XXXX XXXX credit card account, existing promotions, and the process for closing it in the future. Shockingly, their customer support agent XXXX ( Employee ID : XXXX ), closed my account without my consent. When I requested to speak to a supervisor, XXXX hung up on me. After calling back, I spoke to a supervisor named XXXX ( XXXX ). However, he informed me that once an account has been closed, it can not be reopened. XXXX also revealed that XXXX had asked a back-end employee named XXXX ( XXXX ) to close the account. 

It's clear that they illegally closed my account, and it's evident that this was due to my having over XXXX in miles, which they viewed as a liability. This is why they refuse to reopen my account. This is unacceptable behavior, and I demand immediate action to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission. 
15 U.S.C 1681 section 2 states 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 the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I got a loan from tower loan put my car up for collateral. I set up payment as automatic bill. First payment came due XX/XX/2017 I waited a week then called them to find out why they had not taken the payment. I was told I would have to come into the office and I said it was automatic bill pay and they said they would take care of it. Another week went bye and still no payment came out called back and they need checking account # because they shredded it so two days later I called back for to give them checking account info. One week later still no payment came out. Called back and heard I would have to come in office and fill out another form. No problem did that couple of months went by bank rejected a payment called them and took care of it. 4 months went bye same thing happened when I tried to take care of it they said if it happened again I could no longer use auto pay fine I had them cancelled it so I could use my debit card on Friday to pay them. On Friday I called to make payment and they said I couldn't do that that I would have to come into the office I was in Pennsylvania no way so contacted their home office in Mississippi so I could pay bye debit card or online he said he would take care and he would call me back never did I called him and he said everything was taking care of. In the meantime XXXX was calling my job for me to call. At this point I'm irate to say the least. I go online to pay bill and I still can't pay it. So I call their management again and I here cash or money order so he asked me when I would be home I told him end of XX/XX/XXXX not good enough. So I asked what was next they repossess my car I hear no they didn't want the car they would abartrait and I said OK and hung up. So I called my attorney to find out if I could legally consolidate them so thats what I did. Today I was served papers that their sueing me and I have to appear in court after excepting to negotiate with dept company.
Product: Money transfer, virtual currency, or money service

Cash app has inconvenience me on all levels. 
All my purchases are being declined, can't reorder new car, website not working, and they need a representative for calls this just XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violate my rights. 

15 USC 1681 Section 604 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

scammed after person wouldnt send item on XXXX XXXX, only after via zelle. XX/XX/year>. {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents EXPERIAN. COMXXXX. This is effecting my livelihood. It is effecting my ability to run my business.
Product: Credit reporting or other personal consumer reports

Today, I was dismayed to discover several inaccurate accounts on my credit report. I regularly monitor my report, so seeing these sudden errors was both confusing and frustrating. I tried refreshing the page, thinking it might be a temporary issue, but nothing changed. I am asking that the documents I provided are reviewed with care to put this matter to rest once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both Equifax and XXXX and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Planet Home Lending LLC Mortgage Co, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my Ex-sponse whom I divorced since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Checking or savings account

Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX  complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through XXXX XX/XX/22 for XXXX bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.