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

I had purchased some items with the credit card and payed the whole amount in full. When I was paying the amount in full through the phone I verified with the bank multiple times if I had any remaining balance, which they verified that my balance was now at XXXX. I started getting calls that I had late fees and that I still had a balance on my card. I called the bank and once again I told them my situation to which they said they " fixed ''. I asked multiple times if I indeed did not have a balance anymore to which they responded that I did not. 2 weeks later I started getting late fees once again. I called for the 3rd time to the bank and I had already backed up late fees and explained for 2 hours my situation to which they only wanted me to pay they did not care about what I had gone through previously. After on XX/XX/XXXX I sent out a letter to try to make the company understand that the late payments are inaccurate as I paid the account in full. To this day I have not gotten any response and they are still calling me saying that I owe them all this money.
Product: Debt collection

collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company XXXX XXXX XXXX, XXXX ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company RAUSCH , STURM , ISRAEL , ENERSON & HORNIK, LLC XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Finance advised that they received confirmation from XXXX, XXXX and XXXX that the block was removed from my account. However, I am requesting proof of documentation that they sent letters requesting XXXX, XXXX and XXXX to re-insert my lease payment history for my XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I discovered I was eligible for a refund of all payments made to my federal student loans between XX/XX/XXXX and the present. I called Aidvantage that day, requesting a refund of {$10000.00} ( the total of the three payments I had made during the forbearance period ). I was told my request would be processed and I would receive a direct deposit within 4-6 weeks. After not seeing an update, I called XXXX to check on the status of my refund, where I was told my refund request had been approved on XX/XX/XXXX and again would be processed in 4-6 weeks. On XX/XX/XXXX, 5 weeks after my request was approved, I called to check on the status as I had seen no updates. The customer service rep told me my request was put in on XX/XX/XXXX and would take 8 weeks to be deposited. Aidvantage has straight up lied to me about the dates in which my refund request was processed and the timeline for how long it would take, and I have heard of others who have received their refund already despite requesting much later than me.
Product: Money transfer, virtual currency, or money service

Received this from PayPal : After a review, we decided to permanently limit your account as we found potential risk associated with it. 
You'll not be able to conduct any further business using PayPal. 
Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. 
Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 
We regret any inconvenience this may cause. 

I never was able to use PayPal and not sure why I am unable to use it. 
Please assist. 

Thank you, XXXX
Product: Mortgage

Dear CFPB I received a modification, was current on the payments. the started sending payments back, then later found out they blocked my account internally. Since they made an error and wo n't remove any late fee 's or lawyer fees they added to the balance to allow me to become current would this become a breech of contract? If you are behind and they refuse It is your fault ... but I was not behind and they still rejected the agreed modification payment. keep in mind I had already made XXXX of them ... and they started sending them back to me with no explanation as to why ... ..
Product: Credit card or prepaid card

Someone tried to take out a Venmo Visa credit card from Synchrony bank using my name on XX/XX/22. The denial letter was mail to my old address with the reason being unable to access my credit bureau file ( XXXX ) due to a Freeze. Reference # XXXX
Product: Credit card or prepaid card

Last yea r, Citibank took over Costco ' s  XXXX   XXXX  card. During this time I was away on a trip. Upon my return I could no longer log into  XXXX   Bill Pay an d was told the card was no longer valid. I cut my card up. It to ok Citibank a couple  months to contact me that they had taken over the account. I asked for a statement showing my last balances and payments with COSTCO card since I could no longer access that and always paid bills on line. There was no response. A couple months later I started receiving calls from Citibank to collect the balance due. Well in this day and age of scams you would be stupid to hand your payment over to someone on the phone so I asked for the statement which I was told would be mailed. I clarified my address etc. No statement came. This scenario repeated itself-calls from them, sometimes several in a week, and my request to see a statement. I never got a statement despite the promises. For all I knew it was a scam . 2 we eks ago I got a letter from  XXXX  financial -Citibank had turned over my account for collection. I told the lady what had happened and how I have never received a statement. She was able to get and mail m e one.  I paid what was owed but do n't feel I should be paying late fees etc when Citibank could not or would not produce a statement. The Financial company could not negotiate that, so as a consumer I am just screwed  by Citibanks inco mpetence in the takeover of the Costco  XXXX  cards. I intend to shift any other credit I have with Citibank to another provider. They do not deserve the business.
Product: Checking or savings account

Was scammed by a false Citibank. Was charge multiple overdraft fees which I paid.never received any notices. My account was closed but I was able to use it. Never was told anything. I changed my debit card twice due to losing them & each time there was always a problem. I went to multiple banks And they said nothing was wrong with my account but my account was on the verge of closing. Was able to get temporary card for a closed account ordered a new official card for a CLOSED ACCOUNT. My money was wrongfully withdrawn & when I requested information The bankers arent even able to tell me what happen & why. I was scammed & being treated horribly.. below are the false citi accounts i mistakenly put my information into. Ive went to 3 citi banks trying to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a cease and desist letter to Lexis Nexis. They continue to report Fake News and Im tired of it. I have attached the letter sent, my identification and if they dont abide by my cease and desist I will sue them in court!
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 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This debt is from XXXX XXXX. I was signed on a lease mid XXXX. And signed off by all appropriate parties on XX/XX/16. I did attach documents of proof on a dispute. Ive also disputed this through XXXX and XXXX. Both have deleted the debt from my credit. XXXX seems to want to hold this on my credit even though the documents prove this debt is invalid and is hold me back from getting into a home. Im close to being homeless because this fake and invalid debt is not being removed after several attempts and showing proof. Im going to get an attorney involved if this doesnt get removed and deleted ASAP.
Product: Debt collection

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and Equifax are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of the HIPPA release form that authorize XXXX XXXX XXXX XXXX access to my medical file on XXXX but got no reply therefore, my demands were not met, and they continue to report this account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility. 
This is the XXXX XXXX XXXX XXXX reply : " The account in question was turned over for collections XX/XX/XXXX. We received a written dispute XX/XX/XXXX stating identity theft at which time XXXX XXXX supplied us with her driver 's license. We investigated with the creditor who verified the debt and had a copy of XXXX XXXX 's driver 's license which matched. The account was marked a disputed. We will also now send XXXX XXXX verification supplied by the creditor '' ( Please Note that for the second time I have requested verification from the above-mentioned and they have not furnished me that the requested document. yet, the item remains on my Equifax and XXXX credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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. 

XXXX # Acct # XXXX -tracking # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  ACCT # XXXX tracking # XXXX XXXX  XXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) states that 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.

I have attached proof of the letters I have sent out to the bureaus for your records.

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner.

Thank you for your attention to this matter.
Product: Credit card or prepaid card

A charge was made on our Chase XXXX card in the amount of {$10000.00} to The XXXX XXXX on XX/XX/XXXX. The service was for a time share exit. After several communications with The XXXX XXXX, and their agent, XXXX XXXXXXXX XXXX, it was apparent that they were not able to assist us. Their delay cost us an additional fee increase of {$700.00} to exit XXXX XXXX XXXX XXXX through their XXXX program. On our own, we finished exiting the second timeshare on XX/XX/XXXX, thus avoiding membership and maintenance fees, totaling {$2900.00}, due XX/XX/XXXX. We requested a refund from The XXXX XXXX, but they refused. We contacted Chase to dispute the charge as Chase claims to protect from fraudulent vendors. The charge was disputed in XX/XX/XXXX and documentation explaining the incident was submitted. In XX/XX/XXXX, Chase CLOSED the dispute with the following comments : " Dispute outcome -- Credit issued. We reviewed your dispute with the merchant and decided in your favor. We closed this dispute and changed the temporary credit we issued your account while your dispute was still under investigation into a permanent credit. '' XXXX was made on this statement and the permanent credit. I placed reliance upon Chase Cardmember Sevices written decision, and spent that earmarked $ XXXX money on a home irrigation system. Legally, promissory estoppel should prevent Chase Cardmember Services from changing their written decision, on or about XX/XX/XXXX. Chase rebilled the charge to our closed credit card account and charging interest on the {$10000.00} twice reversed charge. Chase Executive Office investigator XXXX ( no last name provided ) has not returned my telephone calls, and no manager was available today to answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened a Wells Fargo account for XXXX XXXX with a 0 % financing offer for 60 months. I have regularly been making the minimum payment only since I want to take advantage of the 0 % financing offer. I had a due date of XX/XX/XXXX and called in on XX/XX/XXXX to make the minimum payment through Wells Fargo 's phone channel. I was successful in making the payment and received a confirmation number. I then received an automated email on XX/XX/XXXX with the header : " Due today : We haven't received your credit card payment '' alerting me that there was no payment received. When I called back into the automated number on my statement, I did not have any pending or posted payments from the XX/XX/XXXX payment and so I made another minimum payment to make sure I paid my bill on time. Both of these payments were deducted and I have received my latest statement with the XX/XX/XXXX payment dated that day for both transaction and posting and the XX/XX/XXXX payment which means I was forced to overpay to Wells Fargo because there system did not capture my XX/XX/XXXX payment. I did not want to prepay this account since I want to take advantage of the 0 % financing offer and have the payments spread over 60 months. I feel that I was deceived by Wells Fargo to prepay my account faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, Experian and XXXX credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Checking or savings account

I am writing to formally express my concerns regarding Capital Ones handling of the XXXX XXXX  accounts, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite having a XXXX XXXX account, my financial institution and Capital One failed to report my interest rates adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this