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

I have used the Commenity XXXX for about a year making small business charges. Never had a problem, paid my bill in full every month. Last month, paid my XX/XX/XXXX on XX/XX/XXXX and it did not get posted for 16 days so I got socked with a late fee and interest. Complained to company, they waived the late fee but not interest. I again paid the balance in full when I got XXXX bill on XX/XX/XXXX, sent payment on XX/XX/XXXX to avoid this happening again ( thought it could be due to holiday mail rush or something ) My due date is tomorrow and again ( after 13 days ) they have not posted my check. I contacted them through their messaging center, they are blaming the mail. I think they are trying to make money off people that pay their bill in full by making sure they get interest/late fees charged. I can not pay this bill by phone as they pushed me to do as it is paid through our business and I am not authorized to give out our banking info. I checked Commenity 's reviews on XXXX  website, they have a one star rating and it sounds like they pull this stuff a lot. One month, I can understand but now is becoming a pattern. My other credit cards post in XXXX days so they don't seem to have a problem with the mail. I'm not using this card anymore but I really don't want to ruin my credit because of them.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX finance thru Santander bank been paying on it since and up to this date Im still at same balance. Ive had late payments on loan and its understandable a late fee and of course I have to pay interest but this is ridiculous that almost 2 yrs and Im still at same balance. I feel this is not a fair act of doing business with consumers. And I stress again this is not right for consumers. I tried talking to Santander and the response they gave me is to make payments on time to avoid all the interest getting charge nothing else could be done
Product: Checking or savings account

This CFPB complaint is in regards to my Checking and Savings account with M & T Bank. I deposited money into my accounts in XXXX and XXXX of XXXX  My current balance is {$49000.00} in my Checking and {$45000.00} in my Savings, a total of {$95000.00}. 

There has been a hold on my account since at least early to mid XX/XX/2022. I am not able to even transfer money from my Checking to my Savings, or withdraw money from M & T. 

Despite a visit to an M & T Branch and many phone calls to customer service, M & T has been unable to put me in touch with the department who placed the hold, and this department has made no attempt to ask me for any type of verification. An employee at a local M & T Branch, located at XXXX XXXX XXXX, XXXX, VA XXXX, has been trying to help me. She has been very responsive ; however, she has informed me it is up to an internal department who is very difficult to reach. Therefore, no progress has been made. 

In summary, I have a total of {$95000.00} frozen in my M & T accounts. The M & T department who placed the hold has never officially communicated this to me, and has made no attempt to resolve it, despite my constant attempts for the last 4 weeks. I need to access this money. 

Please ask M & T to unfreeze my account so I can access my funds. 

Thank you.
Product: Debt collection

On XXXX the XXXX I sold a property with my other two siblings. XXXX XXXX XXXX  received a report that I owe two credit cards from Discover. They held the funds in Escrow but they gave me a full month to fix the problem. XXXX a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called Discover and they told me I owed {$3200.00}. In the meantime XXXX XXXX XXXX paid the first credit card that was open but then is when the trouble started because XXXX XXXX XXXX asked XXXX the Collection Agency if they had the other credit card debt. XXXX  responded they had it but IT WAS CLOSED. XXXX  XXXX XXXX gave them inside info that the debt was still open so XXXX   called Discover and got the account open back again. I called Discover ready to pay but they told me to call XXXX. So now I am stuck with XXXX  which is demanding I pay {$6600.00} XXXX XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at XXXX XXXX XXXX and Mr. XXXX at XXXX. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to Discover so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report XXXX, TRANSUNION and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXX appear on my credit report as a hard inquiry that impacted on my XXXX XXXX. I never authorized inquiry on my credit report for this company. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 1681. 

XXXX XXXX : XXXX, DPT EDXXXX : XXXX, XXXX XXXX  : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX, XXXX : XXXX, XXXX, XXXX & XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX, has violated my rights.

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as DELETE the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no knowledge of this debt it was reported on my XXXX report by plaza services never heard of them. In the amount of {$1300.00} and that it was opened XX/XX/year>. Can you please investigate this matter? I requested for a letter of validation and a copy of the assignment contract w my signature.
Product: Student loan

US DEPT OF EDUCATION has re-aged my account stated that it was first reported in XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX and that I have made a payment in XX/XX/XXXX and XX/XX/XXXX. They are reporting the same account twice on my credit report. They have several different addresses, names, and account numbers. Every month its a different address with a different name. Re-aging an account is illegal based on the FCRA. I have requested the completeness of the account history. 

Original Amount : {$1000.00} Recent Balance : {$1600.00} There name and addresses includes : - US Dept of Education XXXX - U S Dept of ED - US Department of Education - US Dept of Education XXXX   - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

Received a XXXX CashApp card in the mail with my name and address on the envelope on XX/XX/XXXX. Did not sign up for this card, nor have I ever used CashApp. I contacted CashApp on XX/XX/XXXX via phone to figure out if this was a solicitation attempt or if someone opened a card in my name. 

The representative on the phone refused to provide me with any information on how the card was opened. After arguing with the representative for XXXX minutes, he finally agreed to check his database to see if I was even listed as a customer. He searched using my cellphone number and claimed that I was not found in the system. 

I alerted him that this was fraud to which point he said he could not help me any further unless I provided them with a picture copy of the card. They provided me with a link to send a picture of the card- which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from Cash App stating " we located the CashApp account. We have closed the account and Cash App card associated with your information. We also recommend visiting XXXX where they can help you report and recover from identify theft. '' I asked for confirmation of what information was used to open the account in my name and was asked in return via email on XX/XX/XXXX to provide a copy of some sort of identification such as driver 's license, Birth certificate, social etc. 

I refused to provide any sort of Personally Identifiable information to the company as there is already fraud involved.
Product: Debt collection

Jefferson CapitalXXXX XXXX XXXX XXXX XX/XX/2019 Attempted To Let Them Know My Identity Has Been Stolen & Wanted Them To Verify Debt With My ID & Signature On Original Document They Haven't Produced.
Product: Mortgage

Due to my house under appraising I was required to borrow greater than 80 % of my home 's value for my mortgage, in XX/XX/XXXX. Because of this, I had a monthly mortgage insurance payment of {$61.00}. Approximately one and a half years into the mortgage, I reached out to my lender, new rez, and asked how I would be able to have the insurance payment removed. They advised that if I were to pay {$400.00} for a new appraisal, and if my new appraisal demonstrated an LTV of less than 80 %, they will be able to remove the monthly insurance payment. I did the new appraisal in XX/XX/XXXX, which demonstrated a current LTV of 76 %. However my lender did not remove the monthly insurance payment, stating that it did not matter what the new LTV was, rather what the original LTV was, which was greater than 80 %. I explained that if that were the case, there was no point in doing a new appraisal, as there was no way to go back in time and lower the original LTV at the time of the loan orgination. I spoke several times to different customer service reps and explained that this was unfair as I was given incorrect information. I would never have paid the {$400.00} fee to do a new appraisal if there was no benefit of doing the appraisal if there was no chance to remove the monthly insurance payment. I contested the appraisal fee with my credit card company as I felt that this appraisal was done under false pretenses. However my lender added the fee onto my monthly mortgage payments and ultimately help me responsible for that fee.
Product: Prepaid card

I have kept all these cards in my house had plans to use it towards my wedding because I was relocating but to my surprise all the cards have no balance or few cents, this card has never left my room, as a service member I have always learnt to protect myself and my country I kept it in my safe and this safe has a passcode,, the only way I ever checked my balance was through the phone service ( XXXX ) it is incomms duty to protect their customers, if incomms phone service has been hacked or clone they need to do something about it, at this point I do not want a gift card I want my refund check of {$2300.00} I want to get into the bank, have myself verified in person, I want my refund check expedited and shipment tracking number provided to me, I have attached all images
Product: Credit card

Received email XX/XX/2023 about applying for Chase Freedom XXXX credit card that I did NOT apply for. Spoke to Chase on XX/XX/2023 and reported as fraud.
Product: Credit reporting or other personal consumer reports

In 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 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Checking or savings account

On XX/XX/year>, I received a call ( fake ) ( from Bank of Umqua telling me that they had detection and wanted me to verify if I had made some charges were made by me or some charges or not. He wanted to verify some things that proved I was who I really the account holders. First he add to confirm my home address, which I gave him. Next he asked if I had my debit card or if it was lost or stolen. I verified I had my debit card in my possession. Next he asked me to verify the debit card number to prove it had not been lost or stolen. I provided the card number and expiration date, but didn't give him my 3-digit code number on my card. Then he asked for my date of birthday and social security number. I told him that I didn't feel comfortable giving out that information and ended the call. He tried to call me 11 more times and I didn't answer the call. The " caller '' first called my husband, but he as already on a call and told him so. So, then he called 11 more times and I didn't answer any more of his calls. A couple of days later my bank called me and said they thought fraudulent had been made on my card. I verified the charges weren't mine. I went to the bank and the manager gave me a printout showing the charges : They moved two figures of {$4500.00} and {$5000.00} charges for $ XXXX/ea to XXXX XXXX IN TN. Then there we charges totaling {$3700.00} ( between XXXX XXXX ) to XXXX *XXXX  XXXX & XXXX XXXX NJ. Finally, they took the remaining {$4800.00} from my account. XXXX denied all charges because they were Point of Sale ( POS ) ( which I don't understand ). I'm XXXX yrs old and were going to use that money to buy a house. Now we're short now more than {$9500.00} and some change.
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand to have the inaccurate and misleading information on my credit report removed immediately. Despite my repeated disputes and your obligation under federal law, your company continues to report inaccurate, unverified information that has caused severe damage to my financial standing.
Product: Debt collection

I also called the customer service yesterday. The lady told, she wasnt the lawyer that the court date is on XXXX XXXX. I told her, I have not received the summons only from attorneys advertisement. I told her I mailed the fraud paper work and I have not received any response to my dispute. Her response was, they moved to new location and mail could have misplace. But then they filed law suit against me without even responding to my dispute and fraud paper work. My account is frozen so to identity theft for sure theyre the reason why identity being stolen.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my account has been diligently neglected by TransUnion. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the incorrect information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that are still reporting on my report : XXXX XXXX XXXX Balance {$130.00}
Product: Credit card or prepaid card

XX/XX/22 I received an email stating I had a balance on my Citi Bank CC card ending in XXXX. The card had not been used by me for about 3 months and when I checked online for what the charge was for, it was an XXXX purchase which the dates did not line up to my orders in my XXXX account so I assumed it was NOT MY CHARGE. I called the fraud department of Citi Bank and talked with someone named XXXX to dispute the charge and CLOSE MY ACCOUNT. This was supposed to be a RECORDED CONVERSATION. At first, he told me when I told him I wanted my account CLOSED that he would be sending me out a new card with a new number... .I told him NO, I DO NOT WANT A NEW CARD, I WANT MY ACCOUNT CLOSED! He never said anything further so I assumed that is what was done. 

A few minutes later, I called them back because I realized that the charge may be a delayed charge for an order that I received a couple months after the order date. In the process of that call, was told a new card HAD been dispatched to me, WITHOUT MY CONSENT, in fact, I had XPRESSLY STATED I DID NOT WANT THE CARD, but it was sent out to me anyway. 

I couldn't get thru to any of the departments, was on hold a VERY LONG TIME, finally decided to try their " chat '' on their Citi website. I spoke to someone named XXXX, she confirmed a card was on the way to me... .when I told her I wanted it CLOSED, she said I'd have to call back when the card arrived. I asked her what was going to stop another XXXX from sending me another UNWANTED CARD, just like XXXX did. She said she " couldn't help me ''. I tried to find a corporate number, called it, they don't take complaints, so I'm filing this. 

This company DOES NOT HAVE THE RIGHT to try and FORCE ME TO KEEP THEIR CARD! It's a scam! I want nothing to do with CITI BANK after this experience, what a JOKE! But I do NOT want an open account with them!!!!!!!
Product: Credit card or prepaid card

My Texas Workforce Commission unemployment benefits are dispersed using a US Bank ReliaCard. They are a fraudulent and dishonest financial institution. They have locked my account under the guise of a possible fraudulent transaction. The fraudulent transaction was me trying to transfer money from my card to my bank account. I.e. There is no fraud. Now they have had my account locked for 10 days, and will not acknowledge that the documents that they they requested, were received. Four different times. Apparently this is a huge issue with thousands of unemployment recipients. They are denying us access to our money, and will not contact us to let us know when we will be able to use the card. Honestly, it seems illegal. What are our options to bring this issue to light with the US government? Why would the government do business with such a shady and dishonest institution? 
Please help, as these unemployment benefits are my life line.