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

My name is XXXX XXXX. I made multiple payment to my Mastercard credit card owned by XXXX XXXX on XX/XX/18 for {$400.00}. And on XX/XX/18 paid another one for {$100.00}, on XX/XX/18 made a {$450.00} payment. The money was taken from my checking account and was posted on my Mastercard account permanently. It was posted that I have available credit of a {$1400.00}. When I went grocery shopping on XX/XX/18 for {$97.00} the Mastercard was declined. I called comenity bank to see what is going on. A representative answered me that my account was blocked because you made a multiple payment and it will take a 7 business days to be unlocked. I explained to her but the money was cleared. Was taking aout of my checking account and was posted in my Mastercard as cleared. She said sorry can't help you more. I requested to talk to a comenity bank supervisor or a manager then the representative put me on hold for 30 minutes and no one picked up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/13 who informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with XXXX, the company informed XXXX this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 XXXX XXXX In XXXX of 2020 I attempted to open an account with XXXX XXXX XXXX. To fund this bank account opening I used my bank that I use for my student loans Bank mobile. I requested that {$160.00} was to be transferred to the XXXX XXXX account and Bank Mobile confirmed that the funds were removed from the account. The funds were place on hold until I completed a verification of my Bank Mobile account. The verification happened when XXXX XXXX would send two deposits to my Bank Mobile account, the deposit is very small usually less than a dollar. 

XXXX XXXX completed the deposit to my account and I had a short amount of time to verify the amount with XXXX XXXX. After the deposit I was not aware of this verification system and I thought that the money had been deposited to the account the money never left Bank Mobiles hold on the money. 

Once I check the account there was a message stating that the money was pending and it stayed that way and was never completed. I called XXXX XXXX after a month of wait for the deposit and I was told of the verification system. And I was told that the deposits could be resent to the account and I had to wait three day for the deposit. The deposits for the verification happened just as I was told but now Bank Mobile is claiming that the money ( XXXX ) was sent to XXXX XXXX account and XXXX XXXX claims that the process was never completed and they never received the funds. 

An investigation was completed by Bank mobile they said it would take 30 days and then it was ninety days then 180 days to complete the investigation. 

XXXX XXXX said that they would do a three-way phone call to clear up the problem and I was also on board for the call, but Bank Mobile never want to make the call after I call and requested the meeting. The problem with Bank Mobile not take the meeting is that any information that XXXX XXXX had on the account was never used in the investigation. Because the only way capital One would be able to release the information is with me on a three- way call. And without calling me or XXXX XXXX, Bank Mobile completed an investigation. And concluded that I took too long to bring it to them. There was no mention of where the money is at right now. And this is not the first time that money has been in question with this account. 

I would like to get my money back with interest, action taken against the guilty party in this case. 





XXXX XXXX
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has also no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX XXXX XXXX shows on my credit report in the amount of {$260.00} dollars. Ive never heard of nor done business with this company or XXXX XXXX XXXX. I have been with XXXX XXXX for well over 20 years. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX is the only company services that Ive used.
Product: Payday loan, title loan, or personal loan

I tried to pay the loan off in full on XXXX XXXX.  I wanted to use another bank account and when I entered the new account number that starts with a leading XXXX XXXX, I could not save it.  I dropped the leading XXXX and it saved.  I made the payment and sent a secure message to Lending Club/XXXX XXXX   telling them about the issue.  I received a response back that did not address the issue.  I have since been able to make the full payment of XXXX.  However I have now been charged a XXXX  fee.
Product: Credit reporting or other personal consumer reports

I have try to dispute this information asking for an application with my signature. They sent some information that has two different names. XXXX XXXX XXXX and XXXX XXXX. This is very confusing. Without the application with my signature to verify my real name that paperwork does not help it confuses things I want an application with my signature or remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Thank you for your help and assistance.
Product: Credit card

Complaint Summary Credit Card Dispute Issue with Capital One Description of Issue : On XX/XX/year>, I was charged {$4000.00} by XXXX for a service that was misrepresented. The company promised real estate referrals, but instead, they provided a XXXX system and training videosservices that were not what was advertised or agreed upon. 

I contacted the merchant on XX/XX/year>, to request a refund and inquire about the missing referrals. They failed to respond. As a result, I initiated a dispute with Capital One on XX/XX/year>, and followed their instructions for submitting documentation to support my claim. 

Key Issue with Capital One Handling : On XX/XX/year>, I spoke with two different Capital One managers. One manager stated that I still had time to dispute the charge, while another claimed the dispute window had expired on XX/XX/year>. 
This conflicting information led to the premature closure of my case, despite my compliance with their process and deadlines. 
Evidence Provided During Dispute : Dispute Letters and Supporting Documents Including correspondence with the merchant and Capital One. 
Timeline of Communications Phone calls made to Capital One on XX/XX/year>, and XX/XX/year>, showing efforts to resolve the issue. 
Proof of Misrepresentation Invoice and emails demonstrating the merchants failure to deliver the promised service. 
Request for Resolution : I am requesting that the CFPB reviews my case and asks Capital One to reopen my dispute. Additionally, I ask that Capital One reevaluates the evidence provided and reverses the {$4000.00} charge due to the merchants misrepresentation and failure to deliver the agreed-upon service. 

Attachments : Copies of Capital Ones responses, letters, and evidence submitted during the dispute process.
Product: Credit card

I dispute the following account APPLE CAR/GS BANK USA with the credit bureau because I have been a victim of identity theft. I sent in the identity theft report to the credit bureau when submitting all of my documents. And the account was never deleted, after contacting the credit bureau to dispute the account again. They informed me that APPLE has put a block so XXXX can not process another dispute. I requested information from the company when I disputed the account. This is against my right. And I am in touch with my lawyer and have filed a lawsuit against APPLE to get this account removed. I am giving APPLE one more chance to make this right. This has caused so much damage to me especially when trying to apply for things such as a car loan.
Product: Credit card

Amex suspended my card on XX/XX/year> with XXXX reason provided, less than XXXX month after they charged me the first annual fee for the card ( XX/XX/XXXX ). All my transactions got declined since. I made all my payments duly ( actually, in advance ). 

I called on XX/XX/XXXX, and their representative told me to get a new replacement card. The replacement card arrived on the XXXX ; and, after all the hassle of payment method changes for each of the dozens of my accounts, it turned out to be not working, either. I called again ; this time their representative made me go through an online identity verification where I uploaded my driver 's license 's pic and had to smile ( ironically ) for a face recognition. Still didn't work. Several transfers of calls later, they were just sorry to inform me that my account has been flagged for a fraudulent account and the only factual basis they have is that " someone '' ( not me ) called them on XX/XX/XXXX to report a fraud. Turns out they did XXXX identification check for that caller and could not provide his/her name or even the phone number that he/she called from. And, based on that mysterious and unfounded call, my card got suspended, with XXXX guaranty that my membership fee could be refunded. 

I was appalled -- not only at the outcome of all this but at the sheer lack of any justification they ever bothered to give, and the arrogance therein, as well. I never made any fraud reports ; all " flagging '' was on Amex 's part only, for which they also refused to identify any factual/evidentiary basis. I called a third time tonight where I confirmed the case history with them ( with recorded transcript attached -- the recording itself exceeded the doc size limit ) and they basically still told me to wait ( indefinitely ) for a call ( that would be made at their convenience ) that probably would just tell me my account 's terminated, for ever, for no reason, period, thanks ( a possibility that they very readily admitted ). 

To clarify : I can link the card to all my other services. Up to now I can log into my Amex card account. I was able to make new payments to Amex ( a choice I regret ). Amex continued to send me offer emails re my second card -- a clear evidence that the system is not identifying my card as a " fraudulent '' one. It's just that all the transactions got declined. The total chaos and lack of organization within the company and their responsive system that this dispute unveils is astounding. 

Please let me know any other info I can provide to assist. Thanks for the help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chase Card was paid in full and closed in XX/XX/2020 due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. Chase Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with Chase ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.
Product: Debt collection

XXXX XXXX keeps sending people to serve court papers on someone else. I have no trespassing signs due to livestock and have repeatedly told them to leave the property. One of them snuck into my yard and filmed me through the bedroom while I was in my nightgown to give me court papers that weren't addressed to me. XXXX XXXX was informed and continued his harassing conduct.
Product: Student loan

I am on the pay as you earn repayment plan. I'm temporarily XXXX and I'm not earning anything and I can not pay anything. I've submitted forms and they are still trying to get me to pay and negatively reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Exqfaix creditreportingagency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately.

Please see documents in attachments this dispute was not made in error.
Product: Checking or savings account

I have had problems with my account for a while - either double charges from the merchant or simply using the wrong card - while my account was restricted I wasnt able to produce the proof of it which I have - now Im looking at my account being negative and when I spoke to a rep name XXXX today XX/XX/2019 he told me that the documentation wasnt received and they reversed it - I explained to him of course because due to the account error that was just fixed I wasnt able to access my account. Again my parents are on my account which I thought I remember them months ago because Im old enough but now this is effecting them. I need 2 things. 1 to have my cases reopened And my account not negatively and I need my parents removed like I though I had.
Product: Checking or savings account

On XX/XX/XXXX, my mother passed away, and my wife and I are joint owners of the account. When we went in to close the account on XX/XX/XXXX after we received the death certificates, we found out that the account was overdrawn with a negative balance of more than {$1400.00} due to XXXX XXXX pulling her check out after it was deposited. I paid the $ XXXX to bring the account current and closed it. The XXXX, XXXX, informed me that any transactions that had already been submitted for processing would still go through that night. This was confirmed by the letter I got when I closed the account which stated " per your request, a maintenance transaction has been processed to close your account ending in XXXX. However, if any unidentified debits or credits are presented against this account during nightly processing, your account XXXX not close properly .... ''. 

When I woke on Thursday morning XX/XX/XXXX, I checked the account and it still had a XXXX balance, so I ( incorrectly ) assumed we were all good, since nothing had been presented. When I again checked the account on Friday XX/XX/XXXX, there was a negative {XXXX} balance from a debit that was allowed to be posted XXXX DAYS after closing the account. I, again, went in and spoke to XXXX, and he informed me that he was unable to close the account, and that I should instead simply stop the ACHs and debits. The problem is, this was my mother 's account and I don't really know everything that is scheduled to come out. Additionally, at least XXXX has told me that unless I can present paperwork stating that I am her XXXX XXXX XXXX they can't/wo n't allow me to modify her payment preferences. 

XXXX stated that he would refund the overdraft fees ( totaling {$100.00} at this point ), and that would bring the account to a positive balance, and he would submit a complaint and someone from the corporate office would be contacting me within XXXX business days. 

Upon checking the account this morning, XXXX XX/XX/XXXX, there has been another debit presented, and ANOTHER {$36.00} overdraft fee applied, bringing the account to negative {$75.00}, XXXX DAYS AFTER I CLOSED THIS ACCOUNT, and XXXX only credited the account XXXX of the now XXXX {$36.00} overdraft fees. Both XXXX XXXX local branch XXXX ) and the call center are telling me that they can't close the account, that I will just have to wait until no more transactions occur. This is unethical and, as far as I can tell, illegal. They are refusing to let me close my account, albeit using words other than " we're simply not going to let you close your account ''.
Product: Bank account or service

XXXX XXXX XXXX has taken an excessive amount of time to process a loan request for her client, which in turn is holding up XXXX closings contingent on closing this loan, which I am the seller. She has assured everyone involved that this loan is moving as fast as possible yet we seem to be getting no where. Every loan down the line is approved and waiting on XXXX XXXX to do her job in a timely manner. She has given XXXX possible loan closing dates with none going through. Now we are in the XXXX season and everyone expected to be moving into homes before XXXX which does not appear is going to happen. She does not return phone calls, text or messages. She sends one reply after hours so no one can contact her. Her client is upset, I am hot. Does this woman realize that she is affecting numerous loans and lives that are all contingent on her doing her job. We are losing locked in interest rates, past contract dates etc., and she says we should be able to get them extended because she extended her clients. It should not have to come to that and and it would n't if she would have been on the ball from the beginning. If she has to many responsibilities maybe she should be relieved of some so that the loan can be processed in an efficient manner.
Product: Consumer Loan

On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me?
Product: Credit card

Walmart was running a promotion on a credit card. Save {$35.00} when you open a card and use it for your first purchase. I applied and got granted the credit card and bought my first item on the same day. They are not honoring the promotion due to what they say " It is policy to use the promotion on the same day of opening the card. Due to the fact that your purchase was made on XXXX XXXX and payment was processed XXXX XXXX we cant apply the promotion ''. 

They wont honor the promotion even tho i opened the card at the time of checkout and used it to purchase an item on the same day because it took them 5 days to process the payment. The Item was ordered and Payed for using this new credit card On XXXX XXXX 2015, however they decided to process the payment on XXXX XXXX 2015.
Product: Debt collection

Good Morning I have a problem with two different companies the first one is : Source Receivables Management collecting for XXXX XXXX XXXX, I went bankrupt in XXXX of 2019 and XXXX was added into the bankruptcy they were notified as well then just recently XXXX bought the debt from XXXX and is listing it on my credit report as opened 3 months ago and that is false, XXXX was opened many years ago and discharged in the 2019 bankruptcy and they are illegally trying to collect money and ruin my credit score. please help I have reached out to them and have not succeeded in a resolution. 

Second one is XXXX XXXX Bank a credit card was taken out in my name i don't know by who and i have called them repeatedly to notify them that i did not take out any XXXX credit card and they are reporting this debt on my credit report. I called and i keep getting some rep from overseas that doesn't know how to help me. I have called XXXX bank and they send me to all different departments and this still hasn't been resolved, its very frustrating can you help? If so please contact me at XXXX XXXX I apprecaite anything you can do Thank you
Product: Credit reporting or other personal consumer reports

This is my second time writing this complaint. There are still accounts on my credit report that shouldn't be there, despite the fact that I wrote your company a dispute last XX/XX/year>, in which I explicitly mentioned the accounts that were false.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department Case Number : XXXX : XXXX