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

In XXXX of XXXX, my child support eppi card, from Wisconsin came up missing. A new one was requested. The one requested on in XXXX, was not received. So, I called in XX/XX/2021 and requested a second one. This card was not received either. While waiting for the card, '' the general delivery post office, in XXXX XXXX, MN XXXX trespassed me, which that's a different matter. So, I got a friend in XXXX, MN to allow me to use their address in XX/XX/2021 to get my card. When speaking to EPPICard, I asked '' how could I use the card, if it had not been received, until XXXX? Long story short, they refuse to issue credit. It is believed that another card is being used under my name. I movedto PA. EPPICard is now updating there system on XX/XX/XXXX. Who cares, but as I told Customer service. It's not fare for me not to receive my child support and some one else too! My card ends in XXXX, but wasn't received, until XXXX XXXX, but they show charges, before that. That is why I believe they allowed someone else to have a card. EPPICard is commiting fraud and I'm suffering for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, 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
Product: Credit reporting or other personal consumer reports

I have multiple incorrect addresses, names and employers that dont belong to me on my credit report here are a list of all the incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have submitted multiple disputes with TransUnion and XXXX. This concerns a late payment report by XXXX XXXX XXXX in XX/XX/2017. Creditor agreed to remove information from my credit report. I have never been behind on payments and account was paid in full. Though multiple disputes have been filed with both credit reporting companies, nothing has changed. The most recent dispute was over 2 months ago with no information provided. Previous disputes reported that the information would be removed. Thus has not happened and it is still impacting my credit report. 

I request the information be removed immediately or documentation provided showing the account balance, amount paid to date, beginning balance and minimum payment. We have never been late on a payment as we paid in excess of the minimum due at the time of this claim.
Product: Checking or savings account

XX/XX/2019 We had to downgrade our accounts at Chase from private client to plus checking. They closed our atm cards even though we have 2 fully funded accounts. Their reasoning was bank error and a glitch in the system. My husband is traveling overseas with no way to access our accounts they could not re-activate his atm even though its their fault. My new atms wont be delivered for 2 days. Chase bank in XXXX XXXX. We were not even notified. They say sorry and get money from friends overseas. They gave me no action
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with XXXX  requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a 3rd party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with Lexus Nexus nor do they have any permission to verify any information that may pertain to me. XXXX can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX Balanced {$39.00} XXXX XXXX XXXX Balanced {$1700.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

SunTrust mortgage violated court order and illegally evicted my family from our home with no notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. Equifax is civilly liable pursuant to 15 USC 1681n.
Product: Credit card

In XXXX of XXXX, I enrolled in a Barclays offer for the JetBlue Plus Card. The offer said " when you use your JetBlue Plus Card you're earning 2 tiles for every {$1000.00} spent on everyday purchases, and/or 2 tiles for every {$100.00} spent on eligible JetBlue purchases XXXX XX/XX/XXXX and XX/XX/XXXX, up to 6 additional tiles. '' JetBlue tiles are used by JetBlue to track levels of status. Earning 100 JetBlue tiles gets Mosaic 2 status. Not including this offer in XXXX, I had earned XXXX JetBlue Tiles. With this offer, I should have earned an additional 6 tiles and got Mosaic 2 status since I spent {$550.00} on JetBlue purchases on the card and {$1300.00} in total spend on the card from XX/XX/XXXX till XX/XX/XXXX. Unfortunately, Barclays only sent over 1 bonus tile to JetBlue, and I had XXXX total JetBlue tiles for XXXX and not XXXX total. This was despite clearly meeting the spend requirements to receive the maximum of 6 bonus tiles. 

I called Barclays to open a claim on XX/XX/XXXX to get the additional 5 bonus tiles I was entitled to. The claim was closed without a response a couple weeks later. I called Barclays again XX/XX/XXXX to get it resolved. The agent agreed that that based on my spend, I should have gotten the maximum of 6 bonus tiles- she said she would send a request to the rewards team to send over 6 tiles to JetBlue instead of the 1 they sent me. 

Unfortunately, I got a phone call from a JetBlue Plus Card manager at Barclays on XX/XX/XXXX telling me that the case had been closed by the rewards team on XX/XX/XXXX without giving me the 6 bonus tiles. The manager said that I was not entitled to the bonus tiles for the {$550.00} in JetBlue flight purchases on the card because Barclays had discretion to not issue bonus tiles for every {$100.00} in JetBlue spend. 

I believe this is deliberately deceptive because the offer clearly says " when you use your JetBlue Plus Card you're earning 2 tiles for every {$1000.00} spent on everyday purchases, and/or 2 tiles for every {$100.00} spent on eligible JetBlue purchases XXXX XX/XX/XXXX and XX/XX/XXXX, up to 6 additional tiles. ". Barclays could have chosen to only give bonus tiles for everyday purchases in their offer, but they clearly specified that they were also giving bonus tiles for JetBlue purchases. If Barclays had no intention of ever giving bonus tiles on the JetBlue purchases on this offer, they should have never mentioned the bonus tiles for JetBlue purchases.

I have attached a screenshot of the offer, screenshot showing that Barclays only sent 1 bonus tile to my JetBlue account for the offer, and screenshots of my Barclays JetBlue Plus Card bank purchases showing that I made {$550.00} in JetBlue purchases on the card during the offer period and {$1300.00} in total purchases on the card.
Product: Debt collection

In XX/XX/XXXX I received services from biohazard cleaning services from XXXX XXXX XXXX XXXX resulting from my brother 's death. His death was XXXX of the most traumatic experiences of my life, and required professional services to properly clean his home in preparation for sale. A claim was filed with the home insurer, XXXX XXXX, and I paid the deductible. Last week, on XX/XX/XXXX, I received a call from XXXX XXXX at XXXX XXXX and XXXX, a debt collector, advising me that I owed {$8300.00} in principal and fees for this service. XXXX XXXX advised me that this was an offer he was making to me to help me settle this debt and that the full amount was over {$12000.00}. 

As these services were rendered well over XXXX years ago, I had to do some research to understand exactly what happened, why I owed this amount and why this was the first I heard of it ( XXXX Techs had my contact information and had informed me at the time of service that they would be working with XXXX XXXX directly. I would not need to pay more than the {$500.00} deductible ). I confirmed with XXXX XXXX that they had paid {$9200.00} in XX/XX/XXXX. I asked for the explanation of benefits to be sent to me and was advised that the XXXX would contact me. I emailed XXXX XXXX and advised him of this status, and that I would follow up soon. 

I received a second call from XXXX XXXX regarding this matter today. In this call I tried to explain that I wanted to see the original bill owed to understand the discrepancy, as I had not expected the original charges to exceed {$12000.00} and {$9200.00} had already been paid. Very quickly into this conversation XXXX XXXX became abusive. He began to yell at me and said, among other things, that I was just trying to hold onto this money until after XXXX, that what I was doing was what thieves do, and that I was engaging in misappropriation of funds. I tried to explain that I did not think any reasonable person would pay a debt without understanding where it came from, and eventually he hung up on me. 

After this conversation I called XXXX XXXX again, and am still waiting on a return call. I then called XXXX Techs to at least understand what the original bill amount was, and learned to my surprise that XXXX XXXX and XXXX was not supposed to contact me at all for this debt at all, and should be negotiating solely with XXXX XXXX. I was only to pay the {$500.00} deductible that I already paid on XX/XX/XXXX. 

The hostility and abusiveness with which XXXX XXXX treated me is reflectiv e of some of the most predatory debt collection practices I have ever heard of. It was clear he was trying to scare me into paying a debt that I did not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my Transunion and XXXX  XXXX reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, XXXX. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX  credit reports. 

Additionally, XXXX and Transunion are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my Transunion credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my Transunion and XXXX  credit reports.
Product: Checking or savings account

Capital one froze my account without any warning or notice and stopped all school transactions however allows deposits to my account but refuse to release my funds. They stated the funds would be on hold till my fraud claim is complete however the amount their withholding exceeds the amount of the fraud claim.
Product: Debt collection

I owe Client Services, debt collector agency, ( Add : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; Ph # XXXX ), an amount of {$1300.00}. 
I wish to pay the amount but they are refusing to accept payment by Credit Card. 
I have no other way to pay this amount but they are refusing to accept the amount from Credit Card. Say that it ia aginst their policy.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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

I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested and not the inquires.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 5 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EQUIFAX CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH ARE THE RESULT OF IDENTITY THEFT AND FRAUD. THESE FRAUDULENT ACCOUNTS CONSIST OF AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AN AUTO LOAN OPENED AT XXXX XXXX XXXX XXXX XXXX  ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A PERSONAL LOAN OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), A CREDIT CARD OPENED AT XXXX XXXX  ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ), AND A CREDIT CARD OPENED AT XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

On XX/XX/XXXX, I attempted to change my Auto Pay settings so that my bank account would debit more than the minimum payment amount. Navient 's FAQ indicated that to make changes to Auto Pay, I would need to cancel and re-enroll. After unenrolling, my interest rates were increased by 0.25 %. I attempted to re-enroll my bank, but my bank information was erased and I was not allowed to make automatic payments beyond the minimum. I attempted to enroll in Auto Pay again on XX/XX/XXXX, and I was informed it would take about 3 business days to re-enroll. On XX/XX/XXXX, my account still does not have Auto Pay enrolled, so I reached out to Navient by email. In response, they said that they can't make adjustment since it is within 14 days of XX/XX/XXXX ( my payment due date ), which it is not. I attempted to re-enroll on XX/XX/XXXX again. I have not received any correspondence on getting my bank re-enrolled in Auto Pay and in the interim, Navient has increased my interest rate unfairly.
Product: Debt collection

I just began the credit repair process and when pulling my reports Meade & Associates has been reporting to my credit since XX/XX/XXXX. Around XX/XX/XXXX I was contacted by someone from their office asking if the named doctor was ever my physician after identifying what office they were calling from and what it was for I advised I owe nothing to that doctor 's office. If I did, I was not properly notified. My cellphone number has been the same for years I never received a call. As of XX/XX/XXXX I've sent a pay for delete advising I am not claiming this debt as mine but for the sake of my credit I want to pay it off and get rid of the history of this account in its entirety. No response was given. On XX/XX/XXXX I mailed a certified letter requesting validation of this debt. The letter was signed for by initials XXXX on XX/XX/XXXX. I've learned a debt can not continue to be reported or updated to my credit report until it is verified. I did not receive an answer. On XX/XX/XXXX Meade & Associates updated the debt on my credit report again. They refuse to allow me to settle this debt along with refusal to verify this debt.
Product: Credit card or prepaid card

I closed my checking account and credit card account on the same date over the phone. The funds in my checking account were sent to me via check. There was no balance on my credit card. The reason I closed the accounts was that I no longer needed them. The timing of my closing instructions was to assure that I was not billed for an upcoming annual fee. 

It became apparent to me that my instructions to close the credit card were not followd when I received dunning notices for non payment of minimum balance. I called customer service and after a too long conversation I was told that the appropriate correction would be made. It was not as dunning notices continued. Second call to customer service resulted in transfer to " account retention '' department, Annoying conversation resulted in assurance that account situation would be corrected ( this may have been XX/XX/XXXX ). I began getting phone calls referencing collection. I returned call on XX/XX/XXXX and was transferred to customer service, The resulting conversation was bizarre. I recounted all the above and apparently the bank records reflect my credit card was closed in XXXX and not XXXX and there was a {$50.00} balance for annual fee. I believe the representative understood my position that the fee was inappropriate since I had instructed the bank to close my account but the solution offered is the bizarre part, I was told that the customer service rep was unable to correct the matter. The solution was for me to makea {$50.00} payment and it was promised that the {$50.00} would be returned to me within one or two billing cycles. 

Despite having lost all faith in the customer service organization at Citi, I did a quick cost benefit analysis and decided to make a payment by giving them the routing number and account number of my current bank and authorizing a XXXX payment, We will see what happens. 

I think the customer service issues are clear. Do it right the first time and react quickly to errors. 
I understand that there must be restrictions on making charges against previously recorded income, but is the byzantine solution necessary? Are fees being collected from customers even though unearned. 
The referral to account retention was problematic to me. Not following my instructions resulted in my account being open on Citi records for 3 months in error. The transfer to account retention shows how important numbers are- they frown on closed accounts. The retention team also offered a " deal '' for me to keep the account open for at least three months more. You have to wonder if the incentives offered are in the best interests of the customers of Citi