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

I received XXXX calls from INDIGO/GENESIS FS CARD to my phone about a late payment in the beginning of XXXX. i told the rep i was never reimbursed for the XXXX credit hold from my budget rental. I was told that i would need to make the minimum payment to the account to dispute the charges. i told her i would think about it but did not understand how i was being chase down and charged for money I didn't owe. i made the minimum payment and checked my account on line. upon doing so i noticed lyft charges and no record of the hold or the money being put back on my account. i only saw that the math on the balance was wrong. On XX/XX/XXXX i called in about the hold and to dispute charges. I also had questions on the " credit hold '' that i never saw on my statement nor seen it given back to me. once i gave up on the hold i told the rep about the lyft charges that were not mine and was told that day a dispute would be done. i called 2 weeks later after still not understanding the hold and to get an update on the dispute since i was hit with interest charges on the very ones i was disputing. and was told my dispute was still ongoing. i asked about the false reporting of my credit and was told that the interest charged would be reversed, and they would take care of any negitive impact this has caused on my report once it was done. 

last week I called to check on the dispute and the the interest charges and was told no such dispute existed. after 2 days and finally speaking to someone who said they were in management i was told that i in fact never disputed. I called the next day to ask that my recorded phone calls be looked at and this Wednesday, XX/XX/XXXX, I was called to tell me in fact i did make the dispute and that they are looking into it. But, in the meantime did they want me to start the dispute now. i told them do not start the dispute now and they were give the allot time and communication to do their investigation and I wanted the charged removed right away. i was told this could be done even though I explained they were out of compliance with the federal law. 

I have paid all the charges on this Credit card except for the XXXX of fraudulent charges. I believe I'm within my rights for Genesis FS to refund my card that amount without having to go through another 60 day investigation. the amount of time it takes me to get on the phone with someone, not outsourced, is outrageousness and how they have handled my account is non professional, including the fact i was told they dont show " holds '' on cards they just take it from the balance. any and all transactions should be reported to the statements for transparency.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

I have an auto loan through credit acceptance, I have monthly payment due for the XXXX of each month. I did have auto-pay set up for this monthly payment however, I canceled the auto pay because payment was being taken from my account but not documented, I ended up being behind 2 monthly payments as they stated. I received nothing in the mail about this or any phone calls. I actually called them to take auto payment off, at this time they informed me i was 2 months behind even though my bank statements showed differently. They then informed me that they do n't contact their customers with these issues. I informed them that I would make the required payments as soon as possible. The next day they repossessed my vehicle, I have to pay the required fees and payment to get my car return, they completely trashed my car, kept personal items including my title and all personal documents in the glove compartment and have yet to return them. This company will not allow me to set-up payments according to my pay periods and because, of this I am always paying late payments. They will call me over XXXX times a day from unknown numbers, from block numbers, numbers from different states and leave automatic voicemails everyday. Everytime I speak to someone to set-up a payment, the next day they continue, no XXXX documents any of the calls or payment arrangements I have made. I have been hung up on, threats to have my car repossessed even though I have never been a month or more behind. I have been asked personal information about my banking accounts and working situation that they should n't be asked, and when I inform them of the harassment I am hung up on. I have asked them to no longer contact me by phone but by mail and they refuse to do so, they stated that they do n't have a mailing system set-up to do so. All my payments are made through XXXX XXXX and till this date I have yet to receive any documentation in mail from this company regrading my loan, balance, or any issues relating to my account. Instead I get these never ending calls. My account has never been over a month late if anything 2 weeks late and I still get these threats.This is the worst auto loan company ever, I am currently trying to get it refinanced through a bank or credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account NumbeXXXX XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.
Product: Credit card or prepaid card

1. I received a promotional invitation from Citibank for AA advantage XXXX miles after I spend {$3000.00} within 3 month. 
After I spent about {$3800.00} I called Citicards to inquire when will I receive the bonus miles. They told me that I am not eligible because I receive bonus miles withing the last 2 years. I asked Citi card to close the account. 
This account was opened on XX/XX/XXXX 2. About a year later I received same offer. This time I called Citi card before using the card now they told me that I am not eligible to receive the bonus miles because they changed their policy and now " because I applied withing the past 2 years I am not eligible to receive the bonus miles. I asked Citi cards to close the account. 
This account was opened on XX/XX/XXXX this account WAS NEVER USED. 

3. Another year later and I received another offer as mention above. 
This time I called Citi cards BEFORE I applied. Cit cards Rep assured me that I will receive the bonus miles. upon receipt of the card and before using the card I called for another verification. I was told that I will not receive the bonus mile. I closed the account. 
This account was opened on XX/XX/XXXX And WAS NEVER USED. 

On all 3 cases above I was mislead by City cards THE HARM Because the above is showing as opened accounts on my credit report I have been denied credit a number of times. This, because some banks have a policy that if 5 accounts were opened in the past 24 month it is automatic denial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX I recently pulled my free credit report at my annualcreditreport.com and notice some of the following addresses and names are incorrect you are not mine i already contacted the two credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

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
Product: Credit card or prepaid card

To Whom It May Concern : I have been in contact with Chase Cardmember Services about a dispute that clearly falls under the category of " goods received were not as advertised. '' I sent in a very detailed report that showed how the goods were not as advertised and how I didn't even receive some of the goods purchased in the same order. Their response was, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' It's hard to understand how they could have come to that resolution, given all of the details I sent through that clearly demonstrated that in fact I did not receive what was advertised. 

The merchant is easily identified as a fraudulent company from a basic XXXX search as well, which I also provided evidence for. 

I want to escalate this so that it is reviewed by a competent oversight authority. 

Thank you in advance for your assistance, XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, the Wells Fargo Bank in. XXXX AZ, aided me to an opening of a Platinum Visa Credit Card Secured Account which was pre-approved with a XXXX XXXX Dollars ( {$300.00}. ) intial XXXX. XXXX XXXX, I had only received an Account Number, ending in, ... XXXX without the Card. In the Account Statement, there was no Credit for said Deposit, rather a XXXX ( {$0.00}. ) Dollar balance. The Bank Manager 's name was XXXX at that time and whom I made the Initial Deposit to.
Product: Debt collection

I sent a letter of debt validation  on   XXXX   XXXX   XXXX   and they ignored my letter and sent me the attached letter which I received on   XXXX   XXXX   XXXX  .
Product: Money transfer, virtual currency, or money service

I opened an account with CashApp in XXXX and used it for XXXX payments, receiving direct deposits, accumulating personal savings and the purchase of virtual currency. Over XXXX years I became a loyal user and accumulated a material amount in my account. 

In XX/XX/XXXX CashApp suddenly closed my account without any explanation. I appealed this by phone and they agreed it was erroneous and reopened my account and it was back to normal again for the next few years. 

In XX/XX/XXXX CashApp suddenly closed my account again with no explanation except that I had " violated the ToS '' but were unable to provide any specific details. I spent quite some time on the phone appealing and escalating this but to no avail. 

Since I was forced to close my account I put an order in to sell all of my bitcoin and CashApp took a commission of {$2500.00} for this service. 

I had some issues transferring out my cash balance to my personal chase checking account ending in XXXX which has been linked to this account since the beginning. I called CashApp support on the afternoon of Tuesday XX/XX/XXXX to discuss this inability to access my funds and asked for a case to be opened. I was told by the representative ( on a recorded line ) not to worry about cashing out my funds because the limit is {$25000.00} *per day. * It turns out the limit is $ XXXX per week and I was misinformed. 

I called back on Friday XX/XX/XXXX and spoke with a supervisor named XXXX who did not want to provide a last name or badge number but said that I had in fact been misinformed about the daily versus weekly transfer limit but there was nothing he could do to transfer me my money in a more expeditious manner. He did assign me a case number XXXX and agreed to escalate my case further to his XXXX XXXX who can only communicate via email. I told XXXX that my next recourse was to file a complaint with the CFPB and he agreed that was the best next step -- -- - " I would do the same thing ( in your position ). '' XXXX the XXXX  emailed me later that day but was unable to provide a satisfactory solution ( see attached ). 

At this point I do not think it's equitable to have to wait XXXX weeks to transfer out my cash while CashApp holds my balance interest free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Jh portfolio debt I have a unverified account from Jh portfolio collection. I had previously disputed this account. I have never done business with agency. Pursuant to the fair debt collection practice act ( fdcpa ) I disputed the validity of the debt. I request that jh portfolio provide verification of the following : 1 ) the original application or contract. 2 ) any and all statements allegedly related to this debt. 3 ) any and all signed receipts 4 ) any and all canceled checks 5 ) original date of default and collection activity begin 6 ) whether you purchased the debt 7 ) the date ( s ) the debt allegedly accrued 8 ) an itemitzation of the costs, including an accounting for any additional interest, charges, or other fees placed on the account. I want to request jh portfolio debt cease and desist all further communcation activity and provide verification of purported debt. On XXXX XXXX jh portfolio also reported to XXXX credit reporting that I paid XXXX $ on said account. I would like documentation i.e. Voided check, debit card payment or printed receipt of said transaction. Misstating the consumer paid on this account may constitute a violation of fair debt collection practice act. The FDCPA prohibits the use of any false or deceptive or misleading representation in an attempt to collect a debt see U.S.C 1692e
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a social security number associated with my credit report thats not mine number ending in XXXX
Product: Consumer Loan

Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''
Product: Debt collection

On XX/XX/XXXX, XXXX And XXXX both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or XXXX this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the ARS account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). 

On XX/XX/XXXX, XXXX deleted the account but inserted it back on to my credit report on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX deleted the account but inserted it back on my credit report for a SECOND TIME on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They admit that their process for calculating XXXX  scores is complicated. so much so that they can't tell me why they lowered my score. Apparently, it's so much of a mystery, even Equifax doesn't know because they refuse to tell me. My position is if they can't tell me they don't have a reason. If they can't cite the reason/s, they shouldn't have lowered my score.
Product: Debt collection

XXXX XXXX XXXX calls me every day multiple times a day. When I have answered the phone, it's a recording asking me to call them. I have asked them to quit calling me and told them that I have financial hardship but will pay when I can.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.
Product: Checking or savings account

I filed a dispute & they refunded my money & the same day they refunded my money they also blocked my account and the new debit card they sent me. I have called multiple times and they hang up on me & are very rude. They will not allow me to access my account to have access to my money.
Product: Debt collection

On XX/XX/XXXX I received a phone call at my place of employment. I called back. The representatives were very rude and disconnected the calls each time. Each time that I called, I provided the number that they called and asked that they no longer contact me on that number and that they send any communication with me via writing. Each time I made this request they hung up. I told the last representative that I would be reaching out to determine my legal options. She told me to call my lawyer.
Product: Debt collection

This account was open on XX/XX/2016 and has an balance of {$260.00} I have no contact information I would like to know what services I received to accrue this amount
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The reported late payments do not align with my usual payment history. Kindly update and correct these inaccuracies on my account. Thank you!
Product: Debt collection

XXXX XXXX XXXX I got a bill from Erc a debt collector I responded and told them I never did business with at & t I filled a police report reported it it XXXX I looked through my credit report and found an address that wasn't mine so I flagged it I received a letter from Erc that said they didn't find fraud the address is XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX I live in XXXX NC don't know where XXXX XXXX is had to look it up never visited this place in my life
Product: Debt collection

Upon careful review of my credit files I found Company " National Recovery Systems '' attempting to collect a debt for " Medical - XXXX XXXX XXXX XXXX XXXX '' in which this is listed on my XXXX, XXXX and XXXX credit report under collection. Please remove this item as this is not reporting accurately and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It  appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false. Furthermore I have never received a notice to validate this said debt. Please explain why this company is reporting this account as collection. Please attach copies of complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name.
Product: Debt collection

The company keeps readding collections to my credit report right after they are deleted for lack of proof of ownership. It was deleted by XXXX then re added by the collector within 4 days. After being deleted on other credit reports