23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

AT & T Universal Card ( MasterCard ) cancelled our account without providing any notice on XXXX/XXXX/16, even though I used my card successfully on XXXX/XXXX/16 at XXXX to place an order for about {$50.00} ( Order Number # XXXX ). I tired calling AT & T Universal Card to have the account reinstated but they said no, that we would have to re-apply. I have no problem doing so, but we should n't have to go through that. Account closures affect credit scores and thus I would appreciate your help to get this account reinstated.
Product: Credit reporting or other personal consumer reports

Experian Report # XXXX XXXX Dated XX/XX/year> My legal name is XXXX XXXX . Correct my name on your to include the XXXX. ( XXXX  ) I had previously requested Experian to not allow soft pulls on my credit report and to keep my report under security freeze until such time in writing I instruct them to remove my credit report. Experian is continuing to allow invasion of my privacy without my knowledge or consent. In addition, I had previously asked for an explanation about the multiple name ID 's and Geocodes that were appearing on the addresses which was never explained? 

ADDRESSES page 4 of 6 Question 1 : Why are the geocodes different for the same address? Did the building move to a different USPS zip code?

Question 2 : What are all the sources for the address information reported?

Question 3 : Why is there a different address ID number for each address listed?

Question 4 : What is the purpose for Experian 's use of the data in Questions 1-3?
Product: Credit reporting or other personal consumer reports

I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is ( XXXX  ) ACCT # XXXX Creditor is ( XXXX XXXX  )
Product: Credit card or prepaid card

The Debit Visa card is no longer being honored by the bank. Valid thru XX/XX/XXXX. Had originally registered card in 2022 and had no problem using, used 2 or 3 times. Card currently has a balance of {$100.00}. Up to the end of 2022 the card worked. When the year turned,2023, card no longer honored. The website no longer recognizes the card or that I registered card, XXXX, and does not recognize the card number. When I call the XXXX number, I am continuously told that my name is not on the card? This is a gift card! The so called customer service I call, XXXX, continues to hang up on me and will not honor the gift card. This is a Gift card with a balance of {$100.00}, which I registered and used 2 to 3 times. XXXX 's, US Bank, and Visa is blatantly trying to steal the balance of my monies totaling {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is attempting to charge me a cancellation fee that was assessed in error. I have spoken to them via phone countless times over the past few months to no avail. They have now sent this account to a collection agency, Convergent Healthcare. As has been explained both to XXXX/XXXX  as well as Convergent Healthcare, my son, XXXX, went to XXXX, AZ to visit with his father this summer. He had an appointment during his visit which I cancelled. XXXX claims another appointment was rescheduled that same day, which XXXX   missed. This information is in error. I did not reschedule another appointment at the time of cancellation as I did not know when XXXX   would be returning. Therefore, if another appointment was scheduled, it was done so without my knowledge or consent. Certainly I can not be held liable and charged for missing an appointment that I was not aware existed. 

Convergent 's response to my dispute was that they would contact XXXX and it would be up to XXXX as to whether, or not, this account was removed from my credit report. Under the FCRA, as Convergent is the " furnisher of information, '' they have a duty to verify the accuracy of this account prior to placing it on my credit report. They also have a duty, once informed of a dispute, to conduct their own independent investigation into the debt 's accuracy. They can not simply rely on the word of XXXX to determine whether or not this debt is valid. It is THEIR duty to ensure the information THEY are reporting is accurate.
Product: Credit card

I noticed a statement charge on my account of {$1.00}. I was curious since I was never notified in writing of the change on my account. The company then proceeded to close my account cause I asked why the charge? I reached out to company to find out why my account was closed. representative could not provide me an answer. Her claim was she assumes it was due to a credit report. I proceeded to ask her then I was supposed to be notified in writing of what triggered the change since I know my score is in the XXXX XXXX  and can not be outside my challenge per statement billing. This is grossly unfair. I was never notified of the change. When I asked was unfairly treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.
Product: Credit card or prepaid card

I have been charged {$130.00} plus late fees and interest for a fraudulent purchase supposedly made by me on XX/XX/2022 for XXXX XXXX XXXX in XXXX, AZ. I have complained to the credit card company about this in z XXXX, XXXX, XXXX and XXXX. This has not been resolved and they continue to bill me for the fraudulent purchase plus late fees and interest. Even a simple XXXX search shows that the XXXX XXXX XXXX does not exist and others are also complaining about being charged for this non-event.
Product: Checking or savings account

I previously closed Chase account in XX/XX/XXXX but it had to be re-opened due to Chase 's error and needed to deposit Cashier 's Check and wait for it to clear per XXXX, Chase XXXX, IL Banker. 

I AM BEING IGNORED AND CHASE DOES NOT CARE. 
On XX/XX/XXXX I called Fraud re : below and XXXX in Chase Fraud Dept. refused to place Frauds but transferred me to disputes and I held over an hour with no answer. 

On XX/XX/XXXX I called and tried to place Disputes and the Chase Customer Service agent kept clicking loudly and refused to allow me to place disputes. 

On XX/XX/XXXX I emailed XXXX XXXX, Chase XXXX XXXX Banker the below : Also received Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/XXXX {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me. 
Please credit my account and advise.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I'd filed a complaint with the CFPB in XXXX regarding multiple mortgage payments being posted against my checking account during the course of a month without my authorization. I reported this to the CFPB and recieved the response indicated below. I've just had an opportunity to log back into my account with CFPB this week and review the response recieved. 
According to the response, I needed to notify the bank within 60 days of the error for the transaction to be investigated. I did go to the bank immediately when I noticed this error, however the bank didn't offer any resolution for the error. The location I visited to research the transaction was the XXXX Branch in XXXX located at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, Al. XXXX. 
After I was unable to reach a resolution with BBVA I closed my account. 


I've cut and pasted your response below. 

Ms. XXXX, according to your CFPB complaint, a {$1100.00} transaction from your mortgage company posted to your ClearChoice Premium Checking Account ( # ... XXXX ) in XX/XX/XXXX. You stated that this transaction was unauthorized since your mortgage company had already debited a payment from your checking account. You request monetary compensation from the Bank. In an effort to address your concern, we have reviewed your account. A review of the XX/XX/XXXX for your account showed that an ACH transaction from XXXX for {$2400.00} debited your account on XX/XX/XXXX. Eight ( 8 ) days later on XX/XX/XXXX, a {$1100.00} ACH debit transaction from XXXX debited your account. Further review of your account did not show that you filed a dispute claim on the XX/XX/XXXX transaction. Please note that in order for the Bank to investigate an error related to an Electronic Transfer, you must notify the Bank no later than sixty ( 60 ) days after the Bank sent the first statement on which the error or problem appeared. This information is available for your review on the last page of the statements for your account. The Bank is unable to file a dispute claim on the {$1100.00} ACH debit transaction from XXXX that debited your account because the time to dispute the transaction has expired. A copy of your XX/XX/XXXX account statement has been attached to the CFPB portal for your review. In conclusion, the time frame to dispute the additional ACH payment amount that debited your account on XX/XX/XXXX has expired. Since the Bank was not made aware of the error within sixty ( 60 ) days from the date shown on the statement in which the transaction appeared, we are unable to investigate this transaction as an error. We encourage you to contact your mortgage loan company to request a refund for the additional payment that was debited from your checking account. Your request for monetary compensation from BBVA Compass has been respectfully denied. Thank you for allowing us to address your concerns. 
Privacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? 
( XXXX ) XXXX An official website of the United States Government
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete. 
accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( XXXX  XXXX ), of such dispute, the agency ( XXXX  XXXX ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

We submitted papers for a wire transfer. My husband put his name as the beneficiary when it should have been mine, so my bank charged it back. We immediately fixed the problem and submitted new papers, but now Comenity has locked our account and refuses to release any money. We have called and sent many messages and no one seems to be able to help and they say they have no way to contact anyone higher who may be able to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged off the account I held and sold it to XXXX XXXX. Once it was charged off it became a certificate of indebtness which is also considered income. Income CAN NOT be reported on my credit report and has to be taken off immediately. I also had opted out in which I sent in a letter to the company. I never received a response. 

The Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian about wrong information on my credit report about an address that I do not have any connection or ever had applied or living. The address are related to XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX Experian share the information that its related to a Credit Institution? I never had did applied for any to related living in New or doing business in connection with New York. 


Experian also report that my present address its connected to an " Membership Organization, XXXX XXXX XXXX, XXXX RI XXXX. I really do not have idea what Organization is this, nd, I never had report or share concern this. Experian does not clear this after had contact on phone.
Product: Debt collection

I have informed Dynamic Recovery to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.
Product: Credit card

Inquiry into credit to open credit card without my consent or knowledge on XX/XX/year>
Product: Payday loan, title loan, or personal loan

I had a personal loan with Omni Financial back in 2020. I paid the first loan off and was asked if I wanted another loan. I said yes because I needed the money at the time. The process was quick but there is currently a very high interest rate of 35 % which makes it extremely hard to pay off. They also used an allotment to do so. They call during work hours which interrupts my daily duties. I am a member of the XXXX XXXX so I did not expect to be hit with an APR this high. I have never had an APR to be this high in my adult lifetime. I really need some help in getting this situated.
Product: Debt collection

On or about XX/XX/2018 i called capital one to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX  and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following company Transunion. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Prepaid card

XXXX Sent my relative their allowance via CashApp they received the money however after that my account was closed stating for gambling reasons! when i called the Cash App support phone number, they read from the usual script that I was gambling but could not show any proofs. Account still closed til this day.
Product: Debt collection

Upon a detailed review of my credit report, I found multiple fraudulent accounts that were added without my consent.
Product: Credit reporting or other personal consumer reports

This is regarding CFPB complaint XXXX XXXX XXXX XXXX stated that they have terminated collection efforts on the XXXX debt and have requested the credit bureaus delete the tradeline. Unfortunately, I am still seeing this reported on my Experian and XXXX reports. XXXX also failed to enter a notice of dispute after 30 days. My dispute was sent on XXXX, and the company responded on XX/XX/XXXX. It has been over 60 days and this tradeline is still reporting. XXXX has since removed this account. I am requesting that account XXXX is removed within 7 days ( XX/XX/XXXX ). I have attached a copy of the initial CFPB complaint for your reference.
Product: Credit card

I received a phone call in XXXX of XXXX from a collection agency, trying to collect a debt. This debt was for a Credit card through Chase bank that had been opened without my knowledge or permission. I then proceeded to called Chase bank in an attempt to speak to someone in the fraud department. I made dozens of calls over the next period of time. Chase will not transfer you to their fraud department and instead will send a ticket for them to investigate. Below are the correspondence to follow. 

On XX/XX/XXXX I received a letter from Chase bank that I was responsible for a credit card account ending in XXXX after they deemed this non-fraudulent activity. I over the next XXXX  months continued to follow up with Chase bank about this issue as I did not open this credit line or buy anything with this account. After many contact attempts on XX/XX/XXXX I received a letter from Chase bank saying, " We closed this account to protect your information '' This letter said they would continue their research to determine if this account is valid or not and that I should personally reach out to the credit agencies to add fraud alert. The next letter to follow would be on XX/XX/XXXX saying I was still responsible for the {$920.00} dollar balance on said credit account. On this letter they offered me a " deal '' to pay in XXXX parts of XXXX dollars lowering my payoff balance to {$410.00} dollars in total. 

On XX/XX/XXXX, I was able to speak to a representative of Chase bank named XXXX XXXX XXXX XXXX. During this call I was able to determine that this account was opened on XX/XX/XXXX. The account was opened with an address XXXX XXXX XXXX XXXX ( I do have the full address if needed ) and a phone number that with a quick XXXX search is associated with several fraudulent XXXX accounts. I can provide this number. I have never received a statement for this account as I DO NOT live in XXXX XXXX XXXX. I live in XXXX XXXX and have for nearly XXXX  years. The Chase representative informed me that a {$700.00} dollar charge to XXXX account in XXXX was made with this account. With all of this information the Representative would not let me speak to anyone in the XXXX department and would not send me copies of the statements for this account. Once I said I would be filing a complaint with the CFPB the representative become fully unhelp and even combative. I have exhausted all the resources that I know of to have this handled properly.
Product: Mortgage

In XXXX of XXXX I lost my job and fell behind on my payments, I contacted the mortgage company for help and they wouldn't work with me personally. I kept calling them until finally they offered me a modification, but then denied it because I didn't have the income. 

In XXXX I received assistance through XXXX with the XXXX Keep Your Home Ca. the paid XXXX towards my mortgage payment as soon as I was employed I contacted XXXX to revisit the modification again I was denied and the only option given has been a short sale and was told there wasnt enough income., I appealed a still the same option short sale. 

In XXXX of XXXX I began renting a room out in my home to gain additional income I secured the lease and showed the payments from the rental through my bank statements again the option presented was the short sale. So I appealed again in XXXX of XXXX this has been the ongoing process each year and each time the only option I qualify for is the short sale. 

In XXXX of XXXX I applied short sale option given each time I would call to speak with my home preservation agent she would only state my title wasnt clear I knew that XXXX had a XXXX for 5 years to erase the monies paid that was cleared late XXXX so again I apply and was given the short sale option In XXXX I took another full time job giving me XXXX jobs and I applied and was given the same option of a short sale, I attempted bankruptcy to pay the arrears and current monthly payments since my mortgage would be the only debt I have it was a payment of $ 2800 monthly and my other expenses proven to be a lot and in early XXXX it was dismissed in an effort to save my home XXXX XXXX loans reached out to me stating they work with XXXX to work on my modification and after me sending monthly payments totaling XXXX and to no avail they wanted another payment I never heard from them or from XXXX I applied and received the short sale option. I then tested positive for XXXX XXXX in XXXX of XXXX and did not return to my other full time job I applied was given a short sale option and facing foreclosure. 
Just recently applied again twice within XXXX with the same option. I just want to remain in my home I havent qualified for any other programs to help me remain in my home maybe putting those arrears on the back end and allowing me to pay my monthly payment definitely since the rates have drop taking my home or giving it away in a short sale is not the best option for me. I work a full time job a part time job and have a renter I have the income to remaining my house short sale is not an option I do not wish to become part of the homeless population my credit score is not the best and I need a chance to prove that Im able to make my papyments and to pay them on time.
Product: Credit reporting

XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.