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

I have been a customer of Macy 's for several years. I noticed Around 2 yrs ago that they were charging me for a protection service that I did not request. I immediately called and asked for it to be removed. I do not check my statements as my bills are debited monthly. They never removed the service, that I did not ask for. I asked for proof that I agreed to this service, they said they do not have it and will discontinue my service. I asked for a full refund of the unauthorized fraudulent charges on my account. they credited me 1 month. I never agreed or requested this service. I didn't even know it was on my account. When I did find out, and I asked them to remove it, They continued to charge me for an additional two years. Tthis is a fraudulent, activity and I need help getting reimbursed for the fraudulent fees paid.
Product: Debt collection

On XX/XX/2022 XXXX XXXX Opened A Cell Services Account & Extended Credit & Illegal Phone Services & Devices In My Name Without My Consent Inquiring On My Credit File Without Verifying & I Have Fraud Alerts Set Up & Wasn't Notified At The Time These Action Took Place I Explained To The Company I Am A Victim Of Identity Theft And Sent All Proving Documents My Consumer Rights Has Been Violated & I Shall Send A Invoice & Make My Attorney Aware Of These Items If They Aren't Removed In A Timely Manner XXXX XXXX ACCOUNT NUMBER XXXX AMOUNT : {$2000.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that i've been a victim of identity theft for numerous credit inquiries i have no knowledge of, here are the inquiries i found, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE remove these FRAUDULENT INQUIRIES from my credit report! I also attached my identity theft report as well!
Product: Student loan

I graduated from the XXXX XXXX at the University XXXX XXXX on Friday, XX/XX/XXXX. My first student loan payment is scheduled due on Wednesday, XX/XX/XXXX. My student loan servicer is Edfinancial Services. 

While the quick turnaround is not in itself a problem, my loans qualify for 6 months of forbearance and/or deferment after graduation. I need to utilize this grace period because I will not start working until XX/XX/XXXX.

However, as of Monday, XX/XX/XXXX, there is NO WAY to contact my servicer. They have three customer service phone numbers posted online - none of them work. Each phone number plays a XXXX message saying that the phone number has been changed or disconnected. They have an " Email Us '' option that is currently broken. 

I also called the Department of Education and their financial aid people to see if they could get me in contact with my servicer. They gave me the same phone numbers from the website that are disconnected. 

This process is honestly an absolute joke. I am entitled to modify the terms of my repayment but I am unable to do so because the company is unable to be contacted. It's completely unprofessional and, honestly, predatory, because I know that Edfinancial Services will magically appear if I don't make my payment on Wednesday. 

Any help that you can provide would be greatly appreciated. I will be following up with the OIG at the Department of Education, as well as my school 's financial aid office.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX  Date Opened XX/XX/XXXX {$2400.00} XXXX XXXX Date Opened XX/XX/XXXX {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX {$2600.00} inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit card

XXXX XXXX XX/XX/XXXX XXXX to claim fraud spoke to security. XXXX XXXX, XXXX fraud amount of XXXX. XXXX XXXX, XXXX to XX/XX/XXXX, called back fraud total of XXXX. New cards were sent each time. 
Card ending in XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX called back to say fraud charges. Card number XXXX but from XXXX XX/XX/XXXX. Called about fraud charges made on card. Went to fraud then investigation team. Statements with check marks fir XXXX XXXX and XXXX were unauthorized. Spoke to several people of the fraud team.
Product: Credit card or prepaid card

I am writing to file a complaint against Incomm Financial Services , Inc. regarding a visa gift card that I purchased at XXXX on XX/XX/XXXX. The security code on the card was not visible, so I called the number on the back of my card to request a replacement card. A case was opened, but I later discovered that the security code was not needed for my rent payment, so I requested to close the case. However, InComm Payments informed me that the case can not be closed and requested that I send them my driving license, purchase receipt, and pictures of the gift card via email. 

I sent all the required information to Incomm Financial Services , Inc. on XX/XX/XXXX at XXXX XXXX, and it has now been 3 weeks but I still haven't heard from them. Every time I called them, I was forced to wait for a long time on the line only to receive dismissive responses. 

In addition, Incomm Financial Services , Inc. froze my gift card for " security concerns '' but by requiring me to send them my ID and gift card by email, they have actually put my identity and my gift card at even greater risk. They have also continuously failed to provide a resolution in a timely manner. 

Therefore, I am requesting that Incomm Financial Services , Inc. immediately unfreeze my gift card or issue me a replacement card. I believe that Incomm Financial Services , Inc. has not handled my case properly, and their lack of communication and resolution is causing me significant inconvenience and distress. 

Thank you for your attention to this matter.
Product: Student loan

Hello, American Education Services acquired my private school loan from XXXX bank about a year ago. I have been making my monthly payments through automatic debit ( which provides a slight decrease in my apr and defaults to the amount that they expect to be due ... even if I pay ahead it 's always a specific amount ). I recently realized that breaking my payment into bi-weekly payments would help me pay off the loan sooner and with less interest. 

I contacted AES and requested that my automatic debit amount be changed. I first requested that it be taken out bi-weekly but they said they ca n't do that. I then requested that they only take out the half of the payment when they process it then ( so keep the auto debit but have it be half the amount ). And then I could go in and enter a manual payment for the rest. They said they ca n't do that. 

In no other industry have I encountered a company that wo n't let me automatically debit the amount that I request. This is unfair business practices because in order to make the payments as I would like I need to cancel the auto-debit and make the payments manually on my own which will lead to me losing the apr benefit that I am getting with auto debit. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXXLate Payment XXXX XXXX XXXX, XXXXUnauthorized Inquiry
Product: Checking or savings account

So Ive filed multiple claims with CHASE bank because my identity was stolen while I was incarcerated. They have denied me & claimed to understand the situation but cant help me I just want my life back.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

We are retired senior citizens whom do not owe this collection agency or any other collection agency not one dime. We live in southern California and every morning around XXXX our sleep is interrupted by these unwanted telephone calls. My telephone recorded the message on Monday, XX/XX/2018, " Hi, this is Dynamic Recovery Solutions, we are a collection agency, call XXXX, about a debt owed. We are sick and tired of our telephone ringing all day long with unwanted calls. They are the unwanted phone calls that do not leave a message on the voice mail recorded. I called back Dynamic Recovery Solutions on the same above date and told them to stop calling my number.
Product: Money transfer, virtual currency, or money service

i called and closed my account for theft. they had me send my balance to the card account they closed!! with over XXXX $ in it! also they did not close my account until after someone spent all my money! then they proceed to tell me it was me, when I had no access to my card bc it was stolen! now they wont give my money back or even acknowledge my complaints! PAYPAL PREPAID XXXX XXXX IS XXXX HOW CAN ANY CARD BE SECURE IF ALL YOU NEED IS A SOCIAL, BIRTHDAY AND THE CARD?!! 

NO ACCOUNT ARE SAFE ANYMORE IF ANYONE KNOWS YOUR BIRTHDAY, PHONE, EMAIL, ADDRESS OR SOCIAL. YOUR XXXX AND THEY THIK ITS YOU STEALING YOUR OWN XXXX THIS COMPANY IS XXXX IN HOW THEY TREATED ME! THIS ISNT THE FIRST TIME EITHER
Product: Credit reporting, credit repair services, or other personal consumer reports

If have disputed this account on several occasions for the inaccuracies being reported on my credit report & falsified documentation in my contract agreement. 
After reviewing my updated credit report that I received from a previous dispute that was provided to me by XXXX ( Confirmation # XXXX ) Dated for XX/XX/XXXX I found the following Errors on my report & Requested Validation Document : ( Please refer to copy of credit report attached ) Date of last payment is inaccurate : ( XX/XX/XXXX ) ( I previously contacted the collector requesting a Validation of this account ; I asked that all documentation on file be mailed to my address listed above ). In the documentation it shows that the Repossession Date is XX/XX/XXXX. Therefore, the date of last payment that is being reported I was no longer in possession of the vehicle. Truthfully throughout this lease agreement I never made a single payment towards the vehicle, due to my younger adulthood irresponsibilitys. 
Repossession Law in the state of Georgia states that : Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. I never received any notification from the finance company when or where I could reobtain my vehicle if willing. There is no document attached with the requested validation information pertaining to me retrieving the vehicle after repossession. 
In the requested Validation documents the contract states that I paid a down payment of {$2000.00} which in fact I did not. The car sales man coerced me into getting the vehicle and settled for a down payment of {$500.00}. I was advised to tell the Finance company when they called to verify my information after purchase that I would need to tell them I paid a down payment of {$2000.00}, if not the Finance company would take the car back if they found out I only paid {$500.00} down.
Product: Mortgage

Notification send by email and postal mail from XXXX XXXX at Chase, The notification informed me that they are moving our mortgage from First Republic Bank to JP Morgan Chase on XX/XX/XXXX. The letter clearly stated that we would have no access from XXXX XXXX through XX/XX/XXXX. 

I checked our accounts after XXXX XXXX as instructed and found the following errors. 

- Closing balance of my mortgage with First Republic Bank increased without explanation. 
- I could not locate a statement with First Republic Bank. All statements with First Republic Bank have disappeared and are no longer available online. 
- The new mortgage account with Chase has a different opening balance than what was recorded as the closing balance with First Republic Bank. 
- the new mortgage account with Chase has no statements available. 

On XX/XX/XXXX, due to these errors I asked that XXXX XXXX be informed of this situation and to confirm with me that he had been contacted and that he was aware of the issue. I have not been contacted by Chase since my initial call on XX/XX/XXXX. 

I called back on XX/XX/XXXX and Chase does not have any updated information, no answers and no confirmation that XXXX XXXX has been informed. No one at Chase can explain the change in the balance of my mortgage and I can not locate my mortgage statements to track the changing balance of the loan. 

It is now XX/XX/XXXX and Chase is still unable to provide answers or the information requested. 

The case # for my initial call on XX/XX/XXXX is # XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a purchase of {$1600.00} from my Chase Business Debit Account to the merchant XXXX. The transaction was successfully processed and the funds were taken from my account. I was supposed to receive delivery of the product on XX/XX/XXXX but then the company informed me that it would take XX/XX/XXXX for the items to be delivered. However even after waiting several months I never received the product. On XX/XX/XXXX I contacted Chase Dispute Department about the {$1600.00} charge and how I did not receive the merchandise I ordered and how the merchandise has passed the expected delivery window. The Chase Claims representative assured me that the issue would be investigated and that I would receive provisional credit until the investigation was completed. A few days later I found out that my claim was denied because I had to report the claim dispute within 60 days of the transaction being posted. However, this is incorrect because the XXXX Chargeback Consumer Disputes guide section 13.1 Merchandise/Service Not Received. clearly states that : " The processing time limit is 120 calendar days from the last day the cardholder expected delivery ( not to exceed 540 days of the original processing date of the transaction ). '' In conclusion, I spent {$1600.00} with the merchant XXXX and never received the product I paid for. Furthermore, the {$1600.00} charge was successfully posted and the money was immediately withdrawn from my Chase Business Account. Furthermore, I contacted Chase Bank, informed them of the dispute and successfully filed a claim with them. Unfortunately, Chase Bank illegitimately declined my dispute claim with the merchant. Chase states that the claim was denied because I did not file the claim within the right timeframe, however, this is incorrect because according to the governing XXXX Chargeback Guidelines I have 120 days from the LAST DAY OF EXPECTED DELIVERY ( not 120 days from the date of the transaction posting ) to file a dispute claim. Now Chase Bank will not allow me to speak to the assigned agent on the claim to rectify this issue. Furthermore, they are not allowing me to reopen the claim or allowing me to see how they arrived at their decision. Its really annoying because I know this claim should have been approved according to Chase and XXXX 's own guidelines on chargebacks and disputes. Its even more irritating that they claim that the dispute was denied properly and within guidelines when the guidelines clearly state otherwise. I think Chase Bank is acting grossly negligent and is denying me of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX - XXXX Account number : XXXX Account name : XXXX - XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and TransUnion have removed these accounts from their records. 

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
Product: Checking or savings account

my personal information las taken somehow including my address, my social security number and my license information and opened 2 bank accounts in TD Bank on XX/XX/XXXX of XXXX. 
The account numbers are XXXX with the amount of {$2200.00}. 
Then another account mas open XXXX and {$510.00} mas transfer from the XXXX account. 

I did call the bank already to report it and the accounts have been closed.
Product: Debt collection

Receiving multiple calls and leaving voice mail to call XXXX XXXX XXXX from Works and Lentz.

I have notified this company I have no collection debts and have notified them in writing to cease and desist as well as filed multiple complaints with CFPB regarding this debt collection company contacting for debts that are not mine.

Multiple Cease and Desist as well as Identity Theft Affadivits have been provided by myself and CFPB as well as all Credit Bureaus.

I am also receiving robo calls from this company and I am on The Do Not Call List.
Product: Bank account or service

Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5500.00} XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Capital One Bank regarding account # XXXX XXXX ending in XXXX, open XX/XX/2019 status open. I have always been a loyal customer to the mentioned company and personally like making business with them. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to Capital One what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if Capital One Bank does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. So please Capital One help me here, I could be a fraud victim and I might not even know it. Plus, I have never been late with the company before. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. Thank you!