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

on XX/XX/2017, I was XXXX at XXXX XXXX. XXXX XXXX is a club located in XXXX XXXX, CA. They have a history of this sort of activity which you will see in the attachment ( Police Investigating.pdf ). I called the 3 credit card companies ( XXXX XXXX, XXXX, Citibank ) that I have cards with in the early morning on XX/XX/2017 ( approximately XXXX XXXX  when I came to ) letting them know that my card had been fraudulently charged. I immediately interrupted my travel and headed back home to Iowa as I was traumatized from the experience which is detailed in the police report which I filed ( Police Report - CC Fraud ). 

In terms of my interactions with the credit card companies that came to a satisfactory resolution. XXXX XXXX blocked all of the charges as fraud after my call and I owed nothing on approximately {$20000.00} charged to the card. No charges ever came through on any XXXX XXXX statement. XXXX was slower to respond and they had already processed the transaction with XXXX XXXX in the amount of {$4800.00}. It took over 5 months of working with XXXX to get them to reverse the charge and send me a letter explaining that I am not responsible for the charges. ( See XXXX XXXX ). 

Lastly, my dealings with Citibank. on XX/XX/2017, when I called about the fraud, they classified it as a dispute and didn't stop payment on the transaction ( this was an obvious error on their part, which was confirmed by the customer service representative that help me to get it classified as fraud ). When I noticed that the charge of {$9800.00} was still on my online statement a week later I called to re-inform them that this was fraud and should not be on my statement. The charge was then removed from my statement as they put it into fraud investigations. AS STATED ABOVE, THIS MISTAKE HAS RESULTED IN CITI PAYING THE VENDOR! I never received any contact/communication from Citibank on the status of this claim, but I called them on a monthly basis to get an update. When I called in XXXX, I specifically asked if the fraudulent charge would be on my account and subject to payment. The response from the customer service representative was no. I then found out through reviewing my XXXX XXXX bank account that {$9800.00} had been paid through auto bill pay to Citibank on XX/XX/2017. When I called and complained to Citibank in mid XXXX, they said that the charge would be reversed and they would credit my account until the investigation was complete. THE CHARGES WERE NEVER REVERSED. I have called the customer service and fraud teams on multiple occasions and have not had any luck in resolving this matter. I would appreciate the CFPB 's assistance in this matter. Attached is the history of communication from Citi ( See Citi Communication Summary.JPG ). The individual e-communications are also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIRE RIGHT HAS CAUSED ME TO LOSE THREE JOBS. THEY CONTINUE TO REPORT THAT I HAVE A WARRANT IN ANOTHER STATE AND I DO NOT. THEY USE ONLINE TOOLS WHICH IS WRONG TO REPORT WRONG INFOMATION. I HAVE WENT TO THE POLICE STATION ON XX/XX/2022 AND THEY DID A NATIONAL SEARCH AGAIN AND THERE IS NO WARRANT NO PLACE IN AMERICA. I HAVE TRIED TO WORK WITH HIRE RIGHT AND THEY KEEP LYING SAYING THEY VERIFIED. BY LAW YOU HAVE TO ACTUALLY GO TO THE PHYSICAL PLACE AND SHOW WHY YOU HAVE INTEREST AND SHOW YOUR DRIVERS LICENSE. THEY HAVE NOT ONLY DID THIRD PARTY INQUIRIES INSTEAD. THEY CONTINUE TO REPORT WRONG INFORMATION. WHICH IS AND WILL CAUSE LEGAL ACTIONS AGAINST THEM.
Product: Payday loan, title loan, or personal loan

After I paid off the loan, I noticed they had not reported it to the 3 credit reporting agencies within 45 days ( supposed to report every 30 days ) That has since been reported to 2 of 3 agencies and I am working with the 3rd.

However, my main complaint is that when I emailed them to inquire about reporting status mentioned above, one of their employees was searching my home address and personal information. I know this because somehow they emailed me back a link to the XXXX search they performed, which included a XXXX XXXX search of my address. When I asked for an explanation for this, I was told 3 different times the issue had been " elevated to the appropriate department ''. I never received a response. I found this scary and extremely unprofessional to say the least. In fact, I feel I have grounds to seek compensation.. They never even apologized or gave any explanation whatsoever.. To be fair I never had issues with them during the course of the loan, it all occurred after I paid it off early.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hyundai motor finance keeps reporting wrong amounts on credit report making me & my wife credit drop have all documents to show there incorrect charges
Product: Checking or savings account

I am filing a complaint with the CFPB regarding to Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits.Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises my concern about consumer protection laws, and I request your add investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies violate 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information.

According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided byTransuion, XXXX I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that TransUnion, XXXX takes immediate action to address the following : Conduct a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that Transunion, XXXX will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution by the requirements outlined above. 

Sincerely,
Product: Debt collection

i first contacted Lobel financial corp about the fraudulent account on my credit report. it was removed from XXXX but still remains on XXXX, and XXXX. I have been a victim and been fighting identity theft since 2018.
Product: Checking or savings account

I deposited a total for {$10000.00} into an 'interest ' account with BlockFi ( {$5000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX ). They said that I could withdraw at anytime but it would take up to 7 days to withdraw. I tested this months after depositing and was able to withdraw {$2000.00} on XX/XX/XXXX. 
I just tried to make another withdrawal on XX/XX/XXXX and they are saying withdrawals are paused. but they never told me that they could pause withdrawals. I want my money back and they are not giving it to me. How can I get help? this is my life 's savings and I am incredible stressed out.
Product: Debt collection

Comenity Bank has called my phone XXXX times within XXXX  days. There has been no voicemail to explain the repeated calls. 
On XXXX, there were XXXX calls. On XX/XX/12, there were XXXX calls. Other days, they averaged XXXX calls daily- again, without a voicemail.
Product: Checking or savings account

Good morning, my name is XXXX XXXX Citi Bank ( Account number XXXX ) I am reaching out regarding my blocked account with Citibank! I am a new member with Citibank. I recently made a deposit which was my government issue refund check which has been verified and cleared the next day and now all of a sudden my account is now blocked with all of my funds in my account!!! I have called relentlessly about this matter, and nothing has been done yet! I desperately need my money I have bills to pay! I need to know why my account was blocked! I need my money unlocked as soon as possible. If my account will not be unblocked, I will reach out and seek legal action! I have read numerous articles online with others dealing with the same issue! I was told to wait for a reference code to verify my identity. However, its been over two weeks, and I still have not received this mysterious reference code!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed on line around XXXX XXXX XXXX. there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but trans union llc XXXX XXXX is refusing to remove XXXX of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from Experian, XXXX  or XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian, XXXX  and XXXX  receive my reinvestigation request/dispute letters on the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?
Product: Credit card or prepaid card

On XX/XX/2021, a car repair company charged me for an estimate without advance notice, which is a violation of ORS 646A.482. 

I disputed this charge with Chase and explicitly cited the statute that shows the charge is illegal. 

After dragging it out for months, Chase upheld the charge without even addressing the reason for the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Product: Student loan

I was informed that my request for XXXX wasn't approved ( see text below ). When trying to get in contact with them, their chat service said to call. I'm calling and have now been on hold for 1 hour, 11 minutes, and 35 seconds. None of their social media allows for contacting them through direct message. 

Additional Action Is Needed to Change Your Repayment Plan Dear XXXX, You recently requested an income-driven repayment plan, but we are unable to approve your request. Log in to your Nelnet.com account and select Documents from the menu, then Inbox to view more details about your request and available options.

It is important to check your inbox regularly because these messages may be alerting you of action needed for any recent requests, repayment plan information, or other updates to your account.

You can always access your messages and account details when you log in to your Nelnet.com account.
Product: Credit card or prepaid card

I purchased from XXXX XXXX credit card and purchase was shipped to the an address I have not been in for over 10 years I attempted to reach out and work with every one XXXX called to say XXXX policy was they offer gift cards instead of refunds we are going into end of XXXX I have no gift card and the only resolution I wanted was a refund back to my credit card and late fees refunded. 

I know all other credit cards refund in this instance this is unethical business practices when the consumer doesnt want a gift card but forces it on them I want full refund nothing else will do I have taken that extra step to talk to people and work with people on this matter I want what is rightfully mine to have
Product: Credit card or prepaid card

I opened an acct in XXXX and because I had to call in to finalize the application, I did not receive my {$25.00} first order promo code. The woman on the phone told me to call back in 2 days so they could manually deduct it. I called several different times. I opened a dispute and it was mysteriously closed without a single word. In the fine print it said to pay my bill, minus the disputed amount, which I did. I opened a dispute again and then submitted the promo picture, the order I purchased, wrote a letter and so on. Between that dispute and more phone calls I was told I won the dispute. However, they said it would take 1-2 billing statements. Then the very next statement they charged me {$25.00} late fee and interest. I called again and the CSR said she would remove the late fee and as a " courtesy '' she would remove the interest charge! Again after talking felt all will be fine. The next billing cycle I was charge another late fee and more interest. I called again. There's been at least 2 times I even asked to speak with a manager. The last call was on XX/XX/22 with a manager, who ASSURED me this would be all cleared up. But then on XX/XX/22 it came to my attention I was reported to the 3 credit agencies and have lost XXXX POINTS on my credit rating!!! I am mailing a certified letter to them next week.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical issue regarding a fraudulent account that has not been appropriately addressed on my credit report. It is imperative that we resolve this matter promptly to rectify the damage caused to my credit history and financial standing. 
The fraudulent account in question is as follows : XXXX XXXX XXXXXXXX XXXX I have previously submitted disputes regarding the fraudulent nature of this account, and I am deeply concerned that your organization has failed to investigate and rectify this issue. I must emphasize that this is not merely a matter of inconvenience but a significant violation of my rights under the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - {$68000.00} was cashed under a individual that is not the person written for XX/XX/XXXX filed charges case number XXXX ... .still I have not heard nothing
Product: Credit reporting or other personal consumer reports

A JPMCB credit card was open in my name with a {$1400.00} limit and a current balance of {$1300.00} that is negatively affecting my credit.
Product: Student loan

Took out a private loan of XXXX for a XX/XX/XXXX through XX/XX/XXXXXXXX to enhance my career. Once clsss was over the pandemic was in full force so unable to secure job that I had planned on to repay loan as needed. Have contacted them several times to try to setup a payment plan to resolve but no response. Affecting my credit score monthly and I am suffering bc this is ONLY item on credit that is in default. Now its in collections and still no help from company.
Product: Consumer Loan

Wells Fargo Dealer Services continues to contact my family despite having been asked not to do so multiple times. This week, they contacted both of my sisters. They identified themselves as Wells Fargo and asked for a phone number to reach me. They have my phone number and my payment is not 30 days past due. 

In the past, when I have called representatives from the company have been also been incredibly rude and uncooperative. They also at one point billed me for insurance. Had I not noticed and complained, I would have ended up paying over {$1000.00} throughout the year. 

I regret having secured an auto loan with this company and will refinance as soon as I can with my local credit union.
Product: Debt collection

Client Services is attempting to collect an alleged debt from me after I sent them dunning letters requesting validation of the debt on XXXX XXXX, XXXX and XXXX XXXX, XXXX. The third letter from them dated XXXX XXXX, XXXX is in violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Client Services has not provided a copy of any agreement between their business and the original creditor. Client Services has not proven the Statute of Limitations has not expired on this account. Client Services has not proven they are licensed to collect in Oregon. These three legal requirements among others are included in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

Their letter of XXXX XXXX, XXXX also violates Federal Law by continuing to attempt collection without meeting the legal requirements of the Fair Debt Collection Practices Act. 

In addition Client Services continues violating Federal Law by telephoning no less than 9 times in the past 2 weeks. Documentation available upon request. 

I am filing a formal complaint against this business for operating in violation of the Fair Debt Practices Act, and am notifying Client Services of this filing.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex Systems credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX || Account # : XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX
Product: Student loan

I am enrolled in two classes at XXXX XXXX XXXX for the Fall XXXX semester. On XXXX XXXX Navient sent me an email notification that my loan was placed in a status of in school deferment as of XXXX XXXX. I did not request a deferment and have continued on paying my monthly loan amounts. I did not submit any paperwork for an in-school deferment, nor did I approve or agree that an in-school deferment could be automatically initiated. I immediately contacted Navient customer service on XXXX XXXX. I was told by a customer service representative that XXXX XXXX XXXX notified Navient that I was in school and that this notification triggered Navient to change my loan status to in-school deferment. The customer service representative informed me that the in-school loan deferment was removed from my account on XXXX XXXX. I have not yet received email confirmation that the in-school deferment was removed. I am concerned that the adjustment of account to in-school deferment was completed without approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me