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

My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. X/X/17- {$4400.00} X/X/17- {$800.00}, {$5200.00}, {$1000.00} Copy of correspondence with the bank is enclosed.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor XXXX XXXX  XXXX XXXX XXXX have violated my rights under : 15 USC 1681 Section 602 which states that I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly under 15 USC 1666b a creditor may not treat a payment on a credit account on an open-ended consumer credit plan as late
Product: Credit reporting or other personal consumer reports

I lack any information about this issue, and the company proceeded without my authorization.
Product: Credit card or prepaid card

To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XXXX of XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am  vehemently requesting that my account be completely reinstated and reported to all 3 major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner. 

Update : I have attached an FTC report with someone else 's name claiming fraud on a different account and somehow it got mixed in with my information. I found this out after logging in to the CFPB website. The dates and information do not match up and furthermore I never met this man. Please correct this situation.
Product: Money transfer, virtual currency, or money service

Venmo froze my account saying I needed to verify my government ID after Ive had the account open for over five years. They froze it when I was sent {$2800.00}. I have received various amounts but not that large ; highest was likely {$1000.00} or thereabouts. They have not stated why my funds and account is frozen. They have not explained via the numerous chat inquiries I have submitted and keep postponing the date I will have funds available. Its always 6-7 business days but that has come and gone with no answer from Venmo. I legally and lawfully obtained my funds, as is the profile individual I received from. They have not helped in any way and have now withheld nearly {$3000.00} from me with no answer or solution in site.
Product: Credit reporting or other personal consumer reports

This is a complaint against the three major credit reports agencies, XXXX, XXXX and Experian is reporting a US Bankruptcy Court of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX XXXX stating the U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.
Product: Payday loan, title loan, or personal loan

On XX/XX/22, I filled out an application for a consumer credit transaction of {$30000.00}. Discover decided to discriminate against me for exercising my rights in good faith as a consumer by sending me an adverse action letter. Thus denying me credit. Discover received my credit card information and i received no benefit from the transaction. Discover has violated my rights.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Product: Debt collection

I have tried to send numerous letters disputing inaccurate information reporting to my credit reports, I got the letters back saying the address on file is incorrect. I sent them certified mail with receipt. I have copies of the letters, it 's to the collection accounts on my credit reports. The addresses and information is incorrect, I tried contacting the credit agencies but I have n't had any luck with them. I keep getting responses back telling me that the information on my credit file is correct when the information they send me is n't correct the addresses that is being reported is incorrect. I used google to locate a address for some of the accounts on my reports that listed a number with the address. This should be removed off of my credit reports due to inaccurate information on my credit reports, this is on my Transunion Credit report and XXXX credit report. XXXX reports have inaccurate information on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting or other personal consumer reports

My personal information was stolen and included in equifax data breach
Product: Credit card or prepaid card

I have a Chase Sapphire Reserve credit card ( Chase Card Account Number : XXXX XXXX XXXX XXXX ) and it comes with travel insurance on purchase made through the card XXXX including trough Chase points redeemed through the card. I had a trip that was canceled due to COVID, which was an insured scenario. The Chase travel insurance approved the claim but did not pay the full claim. The claim was for two items : 1. XXXX XXXXXXXX XXXX  on XXXX for {$100.00} 2. XXXX XXXX  on XXXX for {$100.00} So the total should be {$100.00} + {$100.00} = {$210.00}. 

The Chase Sapphire Reserve insurance sent me check number XXXX dated XX/XX/XXXX for {$100.00}, but they continue to not pay the other {$100.00} that had the exact same cancelation and that has the same Chase Travel supplier. 

The Travel Insurance Claim Number is XXXX through their XXXX  system. I filed that claim on XX/XX/XXXX. I provided the requested " No Refund Policies and Cancellations '' document on XX/XX/XXXX. The Chase Travel Insurance then asked again for the refund policy and I provided it again on XX/XX/XXXX. The Chase Travel Insurance claims called me on XX/XX/XXXX saying they are still trying to confirm that I won't be getting a refund from the travel provider. I explained to the nice customer service representative that I have provided the refund policy twice now, and that the purchase was through Chase and I talked with Chase to get the refund policy, which I most recently submitted again on XX/XX/XXXX, and that there is no more refund policy that I can get. They said they would see if they can check with a manager. Six days later ( as of XX/XX/XXXX ) I have heard nothing. It is now 2 months since I have initially filed this claim, the claim was clearly approved because I got a check for partial payment, but I don't know why Chase refuses to pay out the remaining {$100.00} for this claim. 

It appears to me that Chase Travel Insurance wants to create so much friction for consumers that the consumer will just give up and not complain about the Chase Sapphire Reserve card not really paying the travel insurance benefit. It's pretty disappointing considering the Chase Sapphire Reserve card has a {$550.00} annual fee. It feels fraudulent that they would charge so much for benefits and yet make it almost impossible to use the benefits. I am a life-long Chase customer and I've never seen this kind of hassle using their products, so it has been a surprise. I feel like there's no other recourse than to open a CFPB complaint so that regulators can see that there are multiple people having trouble with this.
Product: Student loan

MOHELA has over-charged my bank account by {$49.00} via the auto-pay feature on XX/XX/2024. This charge did not show up on my MOHELA account but it was recorded on my banking account. This type of issue needs to be corrected immediately and is not acceptable given the fact that MOHELA manages millions of student loan accounts. If this issue happened once I'm sure it has happened to others I called a representative on XXXX XXXXXX/XX/2024 at XXXX AM to address the issue. They told me to send an email and upload the proof but their email system doesn't allow me to upload documents with emails. I uploaded the file via the my documents feature on their website which isn't connected to the email page. When they responded to my email on XX/XX/2024, they sent me a auto generated response that claimed the issue had already been resolved. The issue was not resolved.
Product: Debt collection

The debt collector is attempting to collect a debt for a truck that is not my account. Her name is XXXX XXXX and her phone is XXXX XXXX. When I call her back to tell her that this is not my account she asks for the number that SHE is calling. I do not know what number she is calling so I give her the main number to my place of work so she can remove it. That number does not come up in her system so there is nothing she can do. I keep getting calls from her and it is embarrassing and harassing at my professional medical office. This is not my debt and they have the wrong person but she has no way to remove me unless I can tell HER THE CORRECT NUMBER THAT SHE IS CALLING. This seems wrong to me.
Product: Debt collection

I was scheduled to receive a cosmetic procedure in XXXX of XXXX by XXXX XXXX XXXXXXXX. I was FALSELY medically cleared for the procedure in XXXX XXXX XXXX. After blood work came back showing that not only was I XXXX AT THE TIME of booking, but the doctor also revoked my XXXX clearance due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company refused to refund me although this was within their refund policy. The refund policy states that if I became pregnant AFTER booking, I was ineligible for a refund but I was XXXX at the time of booking. They attempted to force me to take a credit to receive the XXXX after XXXX 

Nevertheless, in the XXXX 's note revoking my clearance for the procedure he clearly states that I am not a candidate for XXXX XXXX regardless as my XXXX XXXX states it will be unsafe. 

The original creditor ( Affirm ) sold the debt to XXXX and they unknowingly purchased a false debt. I NEVER RECEIVED THE PROCEDURE NOR WAS IT EVEN MEDICALLY POSSIBLY FOR ME TO DO SO. This is an extortion of money and a disgusting display of unethical practices. I supplied ALL documentation to both XXXX XXXX XXXXXXXX and Affirm in timely fashions. 

I demand they remove this from my credit report.
Product: Credit card or prepaid card

They called and said someone had charged my card for a XXXX and asked if I knew this person. They asked me to go to XXXX and look for the white space at the top. I then said I think you are a fraud and they replied no and I hung up.
Product: Credit reporting or other personal consumer reports

I pulled my credit report today from all 3 bureaus and found that GM Financial pulled my report from XXXX on or about XX/XX/2023. I never authorized this action. I have not been shopping nor have any desire to request a loan for an automobile. This was clearly done without my permission and I want this inquiry removed from my XXXX file asap.
Product: Bank account or service

I presently have US Bank which operates my loan. I have paid them on time and the same amount for over a year without any issue. I am a good customer with a good credit score. 

I applied to US Bank for a VA Home Refinancing with Cash-out. I wanted to do home improvements and clean debt. My home appraisal came out to {$320000.00} and cost {$400.00}. During the initial process, I explained to XXXX XXXX and XXXX XXXX that I work for a captive law firm, and while my law firm was in existence for just over 14 months, the firm itself had operated in the same location, with the same client base for over 16 years. They said this would not be a problem. They were very responsive in the beginning, and i provided all documents timely. 

HOWEVER, all of a sudden they went radio silence. I find out the Underwriting team wo n't approve the loan because I do n't have two full years of business records for the firm. This firm employees over XXXX people and been operating in the same place and location for over 15 years. I had to leave five messages before I could get a call back to tell me the whole process was for not. When I asked why they did n't confirm underwriting would be ok with my situation before taking my {$400.00} for the appraisal, XXXX XXXX responded : " We do alot of business, to do thing, s one at a time would be too slow. ''
Product: Credit reporting or other personal consumer reports

I am writing to submit the necessary documents to verify my identity as per your request. 
Enclosed with this letter, you will find the documents required for the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 1681. 
15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed
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:2 4K 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I called this Revenue Recovery to ask for an itemized statement for a large medical bill I do not remember, I assumed it was a previous collection agency handling one of my other medical bills. They agreed to send it in the mail. I am trying to see if the VA will help me pay for any of the debt since I was n't close enough to a VA facility at the time. I agreed to make payments definitely, and told them it would be in various amounts and frequently throughout the month since I would pay with income from my employment and VA compensation. 2 days later, I have a new collections account on my credit report that just showed up. My credit score drops XXXX points and I find this extremely unfair to do period, especially 2 days after I contact them for verbal agreement. The only statement I have does not have my apartment number on it and that is why I told them I may have not been getting any other letters from their company. I 'm in a better place financially and am now able to pay on all of my debts simultaneously, I go about doing it and end up with this. There has to be some way to undo this. I am calling tomorrow morning and speaking with a supervisor. I have attached what I just found to be the original creditor ( the hospital ) on my credit report under the " Collections Removed '' portion. They are listed there twice. Duplicated, same name and amount of {$640.00} I know nothing about. Why was this there then removed? And who removed this? This is why I asked for the itemized statement, to verify amounts for instances like this.
Product: Credit reporting or other personal consumer reports

TransUnion has been falsely reporting a XXXX  XXXX bankruptcy, case # XXXX since early XXXX. I have made dozens of requests to have this item removed, and they continue to refuse to remove it. I have provided not only the XXXX letter showing it has been removed, I have also provided court documents showing the same thing. TransUnion believes they are above the law. 

I have filed numerous complaints with CFPB, and the Federal Trade Commission. Currently I have started the process of filing a small claims order to be served upon them mid to late next week. 

My hope is that I am able to finally get them to use common sense and have this item removed immediately.
Product: Student loan

After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th attempts in requesting to REMOVED some of the inaccurate informations in my credit on my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the fraudulent items : 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 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 or other personal consumer reports

On XX/XX/year> I requested a one year fraud alert be added to my accounts with all XXXX  credit bureaus due to exposure of my social security number. In XX/XX/year> XXXX of my checks were forged. I completed forgery package for my bank and also filed police report ( see attached documents ). I contacted XXXX and requested an extended seven year alert be added to my account. They accepted documents, informed me that extended alert would be added through XX/XX/year> and info would also be sent to Experian and XXXX. XXXX notified me alert had been added. Experian did not. NOT ONLY DID I NOT RECEIVE CONFIRMATION FROM EXPERIAN REGARDING EXTENDED ALERT, THE ONE YEAR ALERT HAS BEEN REMOVED. IT IS IMPOSSIBLE TO REACH AN EXPERIAN REPRESENTATIVE AND THERE BOT IS A JOKE. I FEEL THAT MY IDENTITY HAS BEEN PUT MORE AT RISK BY THEM REMOVING THE ORIGINAL ONE YEAR ALERT AND FAILING TO ADD EXTENDED ALERT. IF MORE INFO WAS NEEDED CONSUMER SHOULD HAVE BEEN CONTACTED. PLEASE FIX THIS PROBLEM AS SOON AS POSSIBLE. THANK YOU FOR YOUR ASSISTANCE