23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Albert app out of XXXX XXXX, CA. Signed me up automatically with a savings account I do not appear to have access to and they withdraw nearly daily small increments from my personal checking account. I can not turn this " smart save '' feature off in the app. And reached out to the company via email to request it stop. Several times they have told me it was turned off but the charges continue.
Product: Mortgage

I fell behind on my mortgage due to COVID and was not advised by my mortgage company of all my options pertaining to catching up on my mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX store card keeps showing me as having a balance is saying i owe when the cad is paid in full and close. Please remove this erroneous information from my account.
Product: Checking or savings account

XX/XX/year> my phone and other items came up missing from my apartment while I slept. 
Once I woke up and seen what had happened I called my caregiver and confronted her about it. Sorry was made up how she didn't know that she used my card. 
I called police and pressed charges on her I have police report number and text msg saying she did it. She made 2 transactions from my XXXX account one the XXXX for {$100.00} and the other one from XXXX for {$640.00} both made sameday and she had one delivered to her man 's house.She has been fired. I turn in my dispute to CashApp but they denied me in less then 1 day. While waiting on the email that they say you can upload your documents onto to support your case. I never received the email but what I did get each time that case closed due to no response in 3 days and dispute denied. They denied one time because they said she was my friend and the second time was because the device was in my possession. They decided on my case less then 24hrs and wouldn't allow me to present my documents over 15 times I tried. I was being discriminated against for the fact that I'm not allowed the same process that everyother customer gets.i trust my money with them and when something happens and I need them they act like I did this on purpose. This is stressful enough then they make it even worse just trying to get help.
Product: Payday loan

Some place called ADR GROUP keeps calling harassing me telling me I owe money from a payday loan from 2010 and that is I do n't pay it I will be arrested. They have not sent me a bill or any information concerning the debt. However I did pay them XXXX $ for 4 weeks because I was scared because they kept threatening me. They have even called my family telling them I owe money and that they are looking for me & they need statements from them.
Product: Credit card or prepaid card

I have had a XXXX with XXXX XXXX XXXX which can be used anywhere not just XXXX XXXX XXXX Since 2007. 

I have been making my payments, but the minimum payment went up and it is a financial struggle for me. I have called every year asking for a review to get my payment lowered. Each time I Am told there is no lowering of my payment and will not be lowered. I pay {$180.00} month just for a {$5300.00} credit card. I calculate the interest paid over the past 12 years, I have paid at least {$12000.00}. Since the balance is less that, I don't think I am asking for a lot by asking for a lower payment. 

I am XXXX and wanted to retire soon. But with this payment I am struggling. 

I am on hold waiting for a representative now. We will see how long this " Customer Service '' takes. * UPDATE I was just told that '' there is no lowered payment. '' The person who I talked to was a supervisor named XXXX. He was not able to lower the interest or the payment. He did say there is s program that can close the account and make payment arrangements. This would negatively affect my credit so that is not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a XXXX  XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX  XXXX XXXX. Thus the account doesn't not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX
Product: Debt collection

I am asking for debt validation According to 15 USC 1692g send me a detail list of history of payments made by me on this account I also would like to see the signature that i put on a contract guaranteeing i would pay creditor I ask to see if there has been any insurance claim found on this debt I also want proof that you have a chain of title to collect on this debt original creditor Genesis FS card services inc date opened XX/XX/year> address XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX NJ XXXX phone number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attached what I am asking for and tge bankruptcy laws. I am asking for tge letter to incure new debt with these acounts. You legal departments will be getting the same suff. XXXX XXXX needs to be remover and not show back on my credit report. XXXX XXXX removed and show back up on my credit report. and XXXX XXXX And credit XXXX XXXX XXXX Need 's to be remover and not show back up. These credit card company and braking the federal laws. And I know nothing about these four acounts there not mine
Product: Checking or savings account

Early this year I received a notice that was sent to my daughter 's home in California from the XXXX. XXXX XXXX XXXX that said I had to retroactively file a XXXX XXXX Tax return and pay {$1100.00} by XX/XX/XXXX for tax, penalties, interest, and fees-see attached. I sent it to my CPA along with a power of attorney and she wrote the CA XXXX to inform them them that the address in XXXX was not my residence and that I was a resident of the state of Hawaii since XXXX -- see her attached certified letters dated XX/XX/XXXX and XX/XX/XXXX. Then, in checking my online banking on XX/XX/XXXX, I noticed the following ; XX/XX/XXXX LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} {$48000.00} Expand XX/XX/XXXX LEGAL ORDER DEBIT - CONTACT FRANCHISE TAX BOARD ( XXXX ) XXXX - Case # XXXX {$1500.00} I contacted Wells Fargo to dispute this and they said it was a " legal order ''. The finally sent me what the CA XXXX sent as their " legal order '' see attached. I contacted Wells Fargo legal dep't. and even their Executive offices and sent a letter referencing Wells Fargo XXXX # XXXX -- see attached. 
In essence, they robbed me and I'm certain violated Federal Banking Laws as I have no California income and the XXXX address is that of my daughter and her husband and isn't listed anywhere on my personal bank account, I have never been to their home/that address, and for Wells Fargo to honor this ridiculous Debit Order which in no way ties me to any California address and is not listed on my account, plus my having been a legal taxpaying resident of the state of Hawaii since XXXX -- -not to mention the XXXX 's fraudulent listing of " estimated income, etc. is bank fraud
Product: Debt collection

I keep getting a medical bill for {$190.00} from Optimum Outcomes for XX/XX/2021. I need my debt gone
Product: Vehicle loan or lease

I ended my XXXX lease in XX/XX/2023, making every payment on time, and left with a XXXX balance. Now, nearly nine months post-lease, Chase Auto dares to report a late payment? This is not just wrong ; it's an outrageous mistake that's costing me over {$1000.00} daily on a critical business purchase. I won't sit back and wait for some leisurely " reinvestigation '' process. 

This incorrect reporting is blatantly false and a severe impediment to my financial standing, necessitating immediate, expedited dispute resolution. You've got my number ; I expect a call NOW to rectify this error, confirm the deletion of the erroneous JPMCB AUTO entry starting with XXXX, and ensure it stays corrected unless it can be proven with utmost accuracy. Time is money, and I'm not here to lose either over your incompetence. Act swiftly!
Product: Credit card or prepaid card

I have been a long time credit card holder for over 10 years, of the same two accounts with Capital one. I have encountered a financial hardship due to loss of income and have tried contacting Capital one via phone seeking help to lower the interest rate on my credit card and receive some help with the removal of the late fees and fee penalties applied to my account however I have not been able to get through on the phone. My current phone number has been disconnected due to non-payment and I have to use someone else 's phone to reach out for help. I am in need of some assistance to bring my accounts ( there are 2 ( two ) different credit card accounts in my name only ) current and remain a good standing customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORPOR XXXX LATE PAYMENT In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 ar open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

The following debts below are not mine. Please note my name is XXXX XXXX XXXX and my phone number is XXXX as verified by this CFPB account to file this complaint. 

XXXX REMOVE THE FOLLOWING INFO FROM MY CREDIT REPORTS THAT IS NOT MINE : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX.. 

See evidence of my id SSN AND DL is enclosed
Product: Credit card

I am filing a formal complaint against Citi Credit Card for failing to properly handle my dispute regarding duplicate charges on my account. 

XX/XX/XXXX I purchased airline tickets for my family, and while making the payment, the airlines app ( XXXX ) malfunctioned. Their IT support instructed me to reissue the transaction, which resulted in duplicate charges for each ticket. I disputed all four charges with my credit card company on XX/XX/XXXX. Two were approved, while the other two required additional information. Since the credit card statement itself clearly shows the duplicate charges, I submitted a letter highlighting them. 

Despite multiple calls over the past few months ( since XXXX ), where agents repeatedly assured me that the dispute would be reopened, I recently discovered that it was never actually processed. Again today XX/XX/XXXX, I was told it would be reopened, yet I have seen no action. Meanwhile, I am being charged interest on these duplicate charges due to their inaction. 

I request an investigation into this matter and assistance in holding Citi Credit Card Company accountable for failing to properly handle my dispute. Please let me know what steps I need to take to escalate this complaint. 
Best regards, XXXX XXXX.
Product: Debt collection

I had two accounts that were with XXXX. I disputed them both. XXXX removed one of the accounts from my credit and sold the other to an agency. I paid that account off and they removed it from my credit. A few months later the other account was sold to another agency and put back on my credit. I called to get the account resolved. They said that it would not be listed as a collection account if I paid it. They said it would show settled in full with a XXXX balance. The account has been updated to paid but remains in collections. I was told that it would be fixed, then I was told it will not be corrected, and then I was sent to a manager voicemail that has not called me back. The company lied to me and hung up a few times. They apologized but the account has not been fixed. Now I am requesting that the account be removed from my credit since it has been paid and the company lied as a way to get me to pay it off.
Product: Checking or savings account

Wells Fargo opened a personal loan under my name and social for {$20000.00}. This was a result of my identity being stolen. I never opened an account with Wells Fargo. I attempted to dispute the account and was denied and not given any assistance. I call now and all I get is the complete run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

!! Inquiries FRUAD!! 
WE HAVE SEND ALOT OF DOCUMENT, TO TRASUNION, AND THEY REFUSE!!! TO REMOVE OR DELETE THIS FRUAD INQUIRIS. 

THEY KEEP TALKING ABOUT ANY Inquiries IS A STATEMENT OF FACT. WISH IS NOT, TO A CUNSUMER WHO REPORT ID THEF ISSUE, CREDITOR COULD SEND OR FAX FRUAD INFORMATION DUE TO THIS IDENTITY THEF MATTER. 

WE CANT NOT GO!! BASE., ON HE SAID, I SAID. 
WE HAVE SEND EVERYTHING. 

TRASUNION CREDIT REPORTING AGENCY DONT CARE HOW THEY GET INFORMATION IT COULD EVEN BE A FRUAD ACCOUNT AND THEY WILL REPORTED. THEY JUST WANT TO GET PAY BY CREDITOR!!!
Product: Credit reporting or other personal consumer reports

n 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartialit
y, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased online from XXXX XXXX a new pair of shoes with the amount of {$65.00} and paid by Capital One credit card. Until now, I still have not received the merchandise, which I purchased. 

On or about XX/XX/2020, I called and wrote a dispute letter to Capital One Credit Card about the merchandise which I still have not received. 

On or about XX/XX/2020 I called Capital One again to dispute about my purchase. 
Until now, Capital One Credit Card refused to resolve the issue.
Product: Credit reporting or other personal consumer reports

XXXX Under code 15 u.s. code $ 16881n-Civil liability for willful noncompliance ( a ) any person who wilfully fails to comply with any requirement imposed under the subchapter with respect to any consumer liable to that consumer
Product: Credit card

I called Barclays to dispute a charge on my card. The rep told me that he would have to cancel the card. I told him that I did not recognize the name of the vendor and that I needed more information. He refused to give it to me and also refused to reverse the charge unless I cancelled my card. Barclays fraud detection should have picked this up. I was out of the country when the charge was made.
Product: Vehicle loan or lease

I requested assistance with this loan because I am currently unemployed due to ongoing issues caused by the pandemic. I contacted the lender to explore my options for saving my car, and they informed me that the only available option was to return the car. Since I have no other means of transportation, this solution is impractical as I would have no way to get to work. I inquired about other alternatives but was told that additional options require an income. At present, I am receiving unemployment benefits.
Product: Payday loan, title loan, personal loan, or advance loan

I received information that this company has been involved in Deceptive Sale Practice. Which they are supposed to repay consumers a lump sum of money. I believe am in tilted to receive a amount of my money back. 
One Mai Financial.
Product: Checking or savings account

The 2 accounts that my wife and I have with Chase were restricted on XX/XX/22. We received no notice about this action. We attempted to call the evening of XXXX but had no luck through the automated system. The morning of XXXX I made contact with customer service and was told everything to submit a SSA 89 form along with social security cards for both my wife and I to have the restrictions lifted. We completed this by noon on XXXX. My wife and I also were both supposed to be paid on XXXX. We once again called and were told that everything was being processed and that Chase Bank was holding our paychecks until restrictions were lifted. My wife and I both had trips we had to make out of town and we have been denied access to our accounts as well as having our paychecks held for ransom for 5 days ( thus far ) and have no idea when they will finally decide to unfreeze our accounts. We have been unable to pay our bills and have no access to our account for gas, groceries, etc. It is unacceptable to restrict someones access to their account with the money that they earn and need for normal daily uses.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach According to 15 usc 1681 The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted the credit equifax XXXX and XXXX to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM TO BE IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY XXXX XXXXXXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW XXXX, XXXX VI, SECTION XXXX, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize the following accounts XXXX XXXX, XXXX XXXXXXXX XXXX Following Inquires were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Accounts were fraudulently opened, were not authorized by me : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the XXXX web and XXXX data breach. This has affected me from purchasing a home for my kids and providing a better life. 
According to the ( section code 1

5 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account i demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).
Product: Vehicle loan or lease

Yes Nissan acceptance. I'm going thru hardship right now lost my mom few weeks ago. Was her caregiver for 5years. We hoping I can get a deferred payment like 1or 2months into back of loan. Would help me out right now  struggling with mom 's bills plus my own bills too. I'm on XXXX myself going thru rough time. Don't want car repoed. Wana work with Nissan. Hope they can help. It's a new car. First payment due XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I would like all money that was reported to be refunded. Account closing for no reason information requested to restore account and account never restored. I was getting paid through cash app they messed up my pay checks.
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 those item 's for me to ensure accuracy Here is the item Im asking you to verify as accurate XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Spoke with XXXX! XXXX disputing unauthorized inquiries and was instructed to submit via mail.