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

Hello my name is XXXX I want to complain about a discover card. I have had a discover card for many years and have always paid my debt on time. in XX/XX/2020 tried to book a hotel for {$1000.00} with a discave card but my was decline multiple times. After I called to discover card centers for helping agent cant open decline payment and told me to reserve again, while I listened to her and went back to the reservation. XXXX and reserved, again, payment went through her blog. but on the second day my declined payment is open and that hotel charged me another {$1000.00} for one reservation more. its not my fault that the Discovery Card first declined my payment and after next day open my payment without my knowledge. this agent told me to reserve. and then {$1000.00} was withdrawn from my card twice. I'm a single mom, I can't pay for someone else 's mistake XXXX XXXX please help me get the money back from the discoverer card. best regards XXXX
Product: Checking or savings account

I had been notified in several communications sent by Santander Private Client that I was upgraded to their Santander Private Client Checking. I never requested, authorized, opted-in or approved such change. In fact, when I received such earliest notice I called to advise them that I wasn't interested in their 'upgrade ' with attendant balance requirements, etc. I had also responded to one of those special letters opting-out of any such program opportunity. However, they persist. Feels like the fraud at XXXX XXXX when those bankers 'automatically ' flipped accounts under an illegal marketing scheme!
Product: Debt collection

XX/XX/21 is the actual date of the 2nd settlement offer via phone date, offered by Southern Management Systems, XXXX XXXX XXXX, XXXX, FL XXXX. 

Southern Management is a collection agency hired to collect for The XXXX XXXX XXXX, which is student housing for XXXX XXXX University students. Anyway, the XXXX XXXX  XXXX has been under new mgmt more than once since I graduated. I was unable to reach anyone. Southern Mgmt has ONLY contacted me via phone for a settlement offer, I agreed to the {$1700.00} offer on XX/XX/21, ready to full pay. 

My ONLY request is that I wanted a document of the agreement with the agreed upon terms per conversation on XX/XX/21. Due to anything can happen from the time my pymnt is sent to them. I have nothing but their word that they will DELETE their tradelines from all 3 credit bureaus within 30 days. This is my only request. I have asked several times, have spoken with multiple people. Each agent said No.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was with XXXX XXXX. The loan matured on XX/XX/2022 with a balance due for deferred escrows, interest and other fees. I have been trying for weeks to get a payoff amount. I've gotten quotes anywhere from {$5700.00} to over {$16000.00}. On XX/XX/XXXX I went to the local branch and after two and a half hours the assistant branch manager received a quote, which I paid immediately. Then 4 days later XXXX XXXX  filed a report with credit agencies showing I was late on my payment and ruining my credit.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance :
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert about an account being open with capital one by XXXX on XX/XX/2023, without my permission. Someone has my information and I can not do anything about that but I can have this account closed with my credit report fixed PLEASE.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a loan was taken out through cashnetUSA in the amount of {$2500.00}. I did not take out a loan. I froze my credit in XXXX and Im confused how a loan would be taken out at all. I dont know where the money went. I dont know who took the loan out.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I have been a CapitalOne credit card holder for 20+ years. The interest rate being charged right now is 25.24 %. Quite often - I pay off my credit card every month but recently - what with the very high cost of living these days - unfortunately I've now had to carry a balance. Being retired and on a fixed income - this rather high interest rate is making it a bit difficult to make any progress on my balance. I've requested the company lower my interest rate - especially since my credit score is in the 'excellent ' category at XXXX They've repeatedly told me no- they do not have the ability to lower the interest rate being charged on my card. I find this unacceptable. Have they not received a ton of money from me already in the 20+ years I've been with them? How can this be legal to charge such an exorbitant interest rate amount?
Product: Credit card or prepaid card

A fraudulent charge of {$160.00} appeared, virtually wiping out all funds on the prepaid debit card. 

The charge was by XXXX XXXX XXXX I have contacted XXXX XXXX, the card issuer, at least a dozen times and receive no refund to date. A direct complaint to XXXX XXXX, CEO of BlackHawk, has not produced any results.

As of 5 minutes ago, my money is still missing.
Product: Credit reporting or other personal consumer reports

I created an account on the Experian Alertes site and entered all my information and the sites that the creditor directed me to stole my information and SSN number and applied for improper loans. I saw this when I checked my credit history. Please fix this. I did not apply for a loan.
Product: Student loan

AES http : //www.aessuccess.org/ is a company that handles my XXXX private student loans : XXXX loan is in my name solely and then the other XXXX are co-signed ( XXXX by my mother and XXXX by my father ). All XXXX of us log in separately to AES website to pay our individual bills. My complaint is against their customer service and their website on how the loan and billing information is displayed and how the payments are distributed. The information is misleading and the balance does not always accurately reflect a true balance. I logged in this month and the system showed me a balance which matched the exact amount that I have paid on the loans solely in my name for the past 10 years only to find out that AES applied that money to the loan my father co-signed on because his was also due. The information their website showed me did not give me any reason or indication that the money I was sending was going to be applied differently. When my father logged in to pay, his amount was less ( because my money paid part of his loan ) and now my account is delinquent. All three of us logged in and at the time of log in, satisfied the payment balance ... but their system is glitched or does n't properly show the information because the full balance was n't paid because their system never accurately showed the information. Money was sent to the wrong place and then because of it, the wrong balance was shown to my father who then paid less than he usually does ( thinking the rate changed or something happened to lower the payment ). It 's confusing. It creates undue stress and anxiety. Their system needs looked at and their customer service investigated. The supervisor, XXXX, also gave me conflicting information and admitted that she read the screen wrong. Which leads me to believe they struggle with getting accurate information out of their own system. Please investigate and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries that do not belong to me on my credit report.
Product: Debt collection

I've reached out to LVNV FUNDING on numerous occasions to verify debt. Only thing they have to send me is a last statement. Nothing confirming the debt is valid or even if I signed a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 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 card account under an open consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the BANKRUPTCY account # XXXX with Experian on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. Experian continues to respond that the account is verified and the information is certified by XXXX XXXX XXXX XXXX XXXX. 

The account numbers reported through EXPERIAN as XXXX do NOT match the account number being reported on XXXX XXXX REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to XXXX XXXX XXXX on XX/XX/2020 and XXXX/XXXX/202 ( as instructed by EXPERIAN on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. XXXX continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, EXPERIAN, can simply get the account verified by another consumer reporting agency, in this case, XXXX, without any actual proof. 

I know for sure that XXXX failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that EXPERIAN is reporting is false and is also a violation of the FCRA. 

I sent a letter to the XXXX BANKRUPTCY XXXX in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017, I have repeatedly filed disputes on unauthorized inquires made and an account which is not mine. I have personally called Equifax many times and was told that they could not do anything about the situation even though there is a Legislative Security Freeze on my information. All the companies have been notified in writing with no response from any. In addition, none of the companies have contacted me before acquiring my information for verification. To this date, the information still remains on my credit report.
Product: Mortgage

Bank : Wells Fargo - https : //www.wellsfargo.com/help/contact-us/ Called again to to get the 40 year loan modification asking for a table similar to the attached to understand and compare and make an informed decision. Was informed that is not possible and was pushed to one of the other options being forced to select the COVID-19 payment deferral due to the lack of information on the 40 year loan modification to make a decision. Was informed it is not guaranteed, they can not provide me with the information similar to the attached file to make a decision and hence strongly discouraged by who I spoke too. I want the loan modification to 40 years, fixed interest rate, lower than current interest rate, as attached for all my active loans with Wells Fargo.
Product: Debt collection

Violating 15 USC 1692e, sent validation of debt letter to original company. Per the " 8 Parts to a Lawful Contract '' this debt was never accurately validated as mine. All I received is statement of account, presumptions and assumptions and threat of a civil lawsuit. I specifically asked to see a valid contract with both parties signatures and didn't receive. I have given more than enough time since I sent my first attempt at verification months ago. If there is no valid contract then how can you attempt to sue on a presumption? I have spent many awake and sleepless hours of my time on this matter and I should receive compensation for my time and postage.
Product: Credit reporting

trying to obtain credit reports from XXXX and Equifax someone else had to set up a account now I ca n't even dispute on because they state 's I do n't know my grandmother 's name, come on now a few bank are mad and I need them to correct payment histories an balances I have a wrongful foreclosure on my credit report and I can provide supporting document but I need where I guess no one can access accounts online seeing how this is not the XXXX time this has occurred when my email address has n't changed in over 7 years but my grandmother 's name have?? come on now this not fair also that there 's numerous inaccurate information being reported and I 'm just trying to correct it and move on in the financial world but this is holding up the process.
Product: Credit card or prepaid card

I have had my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.
Product: Mortgage

On or about XXXX of 2023, the XXXX XXXX XXXX XXXX, XXXX, XXXX and a lady I assumed worked for the realtor evicted me from the home I was making contract agreed payments as I have proof of. I not sure why this is happened or what they did with the money but it sounds like predatory lending and a civil rights issue as law enforcement officials and the courts were involved and should be investigated at the time I was a XXXXXXXX XXXX and clearly an employee Code of Conduct / Ethics issue via annual trainings and background checks.
Product: Debt collection

Reference recently closed complaint XXXX dated XX/XX/XXXX. This company has begun aggressively calling my house again after telling me through the CFPB complaint process that they would stop bothering me. They have began calling daily, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. As you can read from previous report, the company is looking for XXXX XXXX, the son of my home 's previous owners who sold to us in XXXX. This person has not lived here since XX/XX/XXXX and the company has been told this multiple times.
Product: Student loan

I thought ALL of my student loans had been consolidated but one had not. I contacted Navient and was informed that the loan was in default and had been sent to collections through XXXX XXXX XXXX. I called and tried for weeks to get someone that could help me take care of the debt. After NUMEROUS calls and leaving my phone #, I was finally able to speak to a representative. She informed me of my options, one being paying {$9100.00} to payoff the debt, and I told her I would get back to her within the next 2 weeks. I have tried now for over 3 weeks to contact XXXX, I have left a contact # everytime to receive a call back, and STILL have not received a response or call back. Not even a missed attempt!!! I would like to get this paid off at the {$9000.00} I was originally quoted but no seems to be able or willing to help. INFURIATING!!
Product: Credit card

I paid my Kohl 's credit card about 3 or 4 days late ( not 30 days late ). They charged me a {$25.00} late fee last month for the late payment in violation of the consumer credit card reform act
Product: Checking or savings account

On XX/XX/2022 I had all of my credit cards/ debit cards stolen from my wallet. I was at a park in XXXX XXXX with my fianc and children when our car was broken into and the thief went through my purse and took out all of my cards from my wallet. Purse was behind passenger seat and our car windows are very dark limo tinted so you can not see anything inside. Car doors were locked. 
I received a text from Chime bank on our drive home that asked if I was trying to make a charge of {$500.00} at a XXXX  in XXXX, I immediately replied no and the transaction was denied. I looked into my purse and saw my wallet still there so didn't think much more of it until I got home and looked online to see the thief did make a transaction for {$280.00} at the XXXX. I grabbed my wallet to get card out and call Chime right away and I realized ALL of my cards were stolen. I cancelled all cards immediately and was told by Chime that I had to wait until the transaction was settled before I could file a fraud claim. When I called to file fraud claim, I was asked a few questions and within an hour I received a response that my claim was DENIED. I was in shock and called back, they told me they didn't know why and I would have to wait for the investigation department to release that information so I could appeal decision. I waited for over a week and got no answer so I called again and they told me the person before didn't submit the ticket so they started over!! WOW. At this point, it's been over 2 weeks with no resolution. Finally last night I receive the reasoning and it makes no sense. My Chime card along with 5 other cards were stolen! I have never had this happen before and never filed a dispute with them. I have a police report filed as well. Chime has had the absolute worst customer service and I have already started getting my direct deposits into another bank account because I can't trust them with my money. No other company has given me such a hard time. Chime is acting as if I'M the criminal and they haven't backed me up at all. It's been such a hassle and I would never recommend anyone use this bank, your money is simply NOT SAFE there. It's already difficult enough going through all of this and the stress of losing a lot of money, Chime has made it way more stressful. I could maybe understand if it was a habitual occurrence and I had disputed charges in the past, etc but I've NEVER done that. {$280.00} for a mother of XXXX and XXXX  XXXX  XXXX  with XXXX child is a lot of money to just be taken away like this.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wife is the sole owner of her property. I am not on the deed to the home. XXXX bank is the mortgage holder. XXXX XXXX ( XXXX, Operations XXXX, Loss Claims ) from XXXX bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and XXXX does not care. My name should not be on the " Notice of Default ''.
Product: Money transfer, virtual currency, or money service

I am writing in regards to Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times, discrepancies reported to my financial institution and Zelle went uninvestigated. I was informed that recovering lost funds was impossible and that transactions couldn't be tracked. The CFPB 's findings 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. The lack of accountability leaves a lot to be desired and raises concerns about consumer financial safety.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. 

Account name : PRESTIGE
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Account XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.