23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXXXXXX  I was in XXXX and purchased two pictures and a figurine. I gave the guy my credit card to charge me for the merchandise and a few days later I saw the charge for over {$2000.00} on my card in two separate transactions. I got home on a Monday night Tuesday morning I called my Credit card to dispute the charges. They looked into it and on Thursday I got a letter telling me that the charges were found to be not fraud, and it would be credited back to my account. I called on Friday morning to talk to the manager of the fraud department and explain to her what happened and she told me that nothing could be done and that am going to be resonible for paying you for paying that {$2200.00} that I didn't spend. They told me because the actual card was used to make the purchase. This guy used to machines the first one. He told me it didn't work and then he ran my car to get on something else and I believe that he scammed me out of this money and I should not be responsible to pay for it. I don't have a receipt because the guy was supposed to mail me a receipt and never did for the items that I actually purchased. 
Here is a list of the purchases I did make in XXXX XXXX XXXX {$58.00} SXXXX XXXXL {$56.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$270.00} I did not purchase the following - I have no idea where this came from. 
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX  {$910.00} When the credit card company saw this kind of large charges they should have contacted me right away. And they should have been flagged.
Product: Checking or savings account

Back in XX/XX/2017. I had a checking account ending in XXXX closed permanently my Bank of America after a wire that was unbeknownst to be was sent into the account. I immediately contacted my branch and let them know of this and they subsequently closed my account permanently due to suspicious activity and notified me that I no longer could bank with them. Im now at a cross roads because I had an employment opportunity with Bank of America in New York that was rescinded due to an unsatisfactory background check which directly relates to the account I had back then. I can wholeheartedly say that I was not responsible for any wrong doing/suspicious activity and made it aware once I found out at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to freeze my credit report with Equifax. My online account does not work. I am not permitted to log in. I have tried working with their agents by calling XXXX. I give them all the personal information asked for, the agent verifies that it is all correct and places me on hold. After a few minutes I am unceremoniously disconnected. This has happened on multiple occasions. I do not have any recourse at this point!!!
Product: Credit reporting or other personal consumer reports

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX personal XXXX  - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have lodged a Civil Rights US Dept. Of Justice/FTC complaint againstyour company for credit score bashing.Just 2 days ago my credit score was XXXX. Now all of a sudden 2 days later XXXX XXXX XXXX XXXX  with nothing wrong can my credit score drop to a score of XXXX.people that are working at this Equifax Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX. I will notstand for CONSTANT Credit Score BASHING harassment for no reason. 

I am consultingan attorney about this! I had enough! This CREDIT SCORE BASHING must stop! TAKE A LOOK YOU WILL SEE NO REASON FOR THIS BUREAU TO DROP MY CREDIT SCORE XXXX POINTS FOR NO REASON. 
YOU CAN SEE NOTHING RECENT HAS BEEN ADDED AND OR CHANGE! THIS IS CRUEL AND MEAN AND I AM READY TO SUE YOU PEOPLE THIS IS HARASSMENT. I AM XXXX YR. OLD XXXX XXXXXXXX XXXX AND I NEEDS THIS TO END. 

ALL I HAVE IS MY CREDIT AND I NEED MY CREDIT SCORE TO BE FAIR AND ACCURATE! 
I AM SO SICK AND TIRED O F THIS PLAYING AROUND WITH MY SCORES FOR NO REASONS Date : Fri, XX/XX/year> at XXXX Subject : Equifax current report To : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Flexible Finance is an app that utlilizes a line of credit through XXXX XXXX XXXX  XXXX. to assist renters in paying their rent by splitting the rent payment in half. 

I attempted to close my line of credit with them following the instructions provided in the app, essentially pausing automatic my automatic payments to them. The app does not provide a way to terminate your relationship with the creditor and provides instructions on how to stop payments by " pausing '' on the app. The company does not adequately disclose that this does not terminate your credit relationship. I " paused '' my relationship with them in Late XXXX of 2023. 

I was not provided a statement of balances XX/XX/XXXX as required by law for open lines of credit, so I thought that my credit line had been closed. 

I was also issued an update to terms statement on XX/XX/XXXX ( confirming i still had an open line of credit with them ) and was not provided with an option to opt out and cancel my relationship them as also required by law. 

I emailed the company on XX/XX/XXXX requesting a termination of my credit line. I was emailed back an automated response on how to " pause '' payment again. I immediately responded and requested that the relationship be terminated. I was emailed an automatic response stating to submit questions via a form on the website. I was emailing XXXX XXXX XXXXXXXX which is the email listed and provided in the relationship and credit line agreement as the only method of contact to submit a request for termination of your relationship with them. I have not received a response from them regarding my cancellation request other than that the automated statement that it will be ignored and the ticket closed unless I submit a request through their app. 

I have also emailed them requesting my balance amount and have received no response. My last statement from XX/XX/XXXX shows a negative balance of XXXX and I have emailed them inquiring about this as well. 

This company does not respond to inquiries. 

I would like this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

After a payout from my divorce on XX/XX/XXXX I received a phone call from the Chase Branch in XXXX XXXX to tell me I qualified for as a Chase Private Client ( although at the time my balance was tens of thousands of dollars under the qualifying amount for this status ). I went to the bank and and they organised this change in status and switched all of my accounts over accordingly ( that included my going from an entry level checking account to an account which has no fees as long as there is a minimum high balance or other qualifying events associated with my accounts which this large deposit suddenly made me eligible for ). Several months later I decided to move most of my money to retirement investments and around six months after I qualified for the Private Client status, I received another phone call to tell me I was disqualified from Chase Private Client for not having a high enough balance in my Chase accounts. I had to return to the bank and have my accounts switched back to regular accounts becasue my low income and savings meant my minimum balances would generate fees. This was all taken care of by the person who was managing my Chase Private Client status. I have since had to purchase check books and so on for this account as anyone would with a regular account. Given my salary and savings, and after transferring my funds into my retirement, if I were to walk into the bank I would not qualify for this account. 

I did not realise, until today, that the bank for some reason did not change my checking account back to a regular entry level account when they took away the private client status and changed my savings account. I have been charged $ XXXX/month for my checking account becasue they funds have been under the minimum $ XXXX. I had no idea that they skipped changing my checking account when they changed my savings and happily took me out of their program ( for which I stopped receiving any benefits from back when I lost the status - i.e no free check books etc ). I called chase and they offered to refund 2 of the payments. I believe the bank should refund all of the payments of {$25.00} they have removed from my checking account since they made the error back in late XXXX. They said I should have read the fine print on every monthly statement becasue the conditions of my account are written in there. I was led to believe I had been switched back to my regular entry level account that I had before they changed it. 

I would like to initiate a claim for these {$25.00} payments. I believe the bank made a error and are are trying to mislead me into thinking it was my fault by trying to blame me using the " read the fine print '' line. It doesn't hold up in this case.
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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Student loan

Mohela wait times are over 2-3 hours. Once you get a representative they are clueless. Department of Education sent discharge information beginning of XXXX. When I called early XXXX they said they didnt have the information. When I called XXXX they said they just received it yesterday. I uploaddd my discharge information into the portal. Those uploads were removed. I sent a message and got no reply. I called again XX/XX/year> and they said they just received discharge information into yesterday. Inconsistent answer. No action! My loans are to be discharged, whats the hold up?
Product: Credit card or prepaid card

I ordered sweaters on XX/XX/XXXX. When I didn't receive them by XX/XX/XXXX, I emailed XXXX XXXX and was informed that the XXXX were delivered on XX/XX/XXXX. I check my front steps daily for mail and/or packages, since I do a lot of online ordering and the package was not there on or after XX/XX/XXXX. Perhaps it was stolen or delivered to the wrong address. Either way, they have provided no proof that the package was delivered, as there were no pictures of the package at my address and I did not receive a text or email that it was delivered. I was informed by Customer Support that I needed to fill out an affidavit proving non-receipt of the package, which I did and sent by US Mail to their Customer Relations Analyst in XXXX XXXX, TX. However, I did not realize that I should send it by registered mail so I would have proof that it was sent, because I have never been distrusted to the extent this company has gone. I then filed a dispute with their bank, Commenity Bank and did not hear from the bank until XX/XX/XXXX that my dispute was denied and that I owed the original {$79.00} plus any accumulated late fees. On XX/XX/XXXX, I emailed XXXX XXXX  Customer Support regarding the bank 's letter and was informed by XXXX and XXXX that my affidavit was never received and because so much time had elapsed, the sale was now final and could not be reversed. Today, XX/XX/XXXX, I received an email bill from XXXX XXXX that I now owe {$100.00}, due XX/XX/XXXX. For items I never received.
Product: Debt collection

Just got the vehicle and was on the verge of getting insured and everything then I got t-boned by another driver and the car was totaled. It was difficult to get it insured and fixed being that I just started my job at the time. Which was in XXXX of XXXX. It was a XXXXXXXX XXXXr and the payment was about XXXX a month. They still put the repo on my credit and now it's preventing me from getting a house. When the pandemic started that made it that much more difficult to try and pay the car off even tho I wasn't driving it anymore. Need help with trying to get that off my report so I can move and get to another phase in my life
Product: Vehicle loan or lease

The company keeps reversing charges and trying to recharge them. This effectively makes the payment late if I don't have double the amount in my account. The bank has been holding these payments and now has made it so I can not operate my business because of these reckless charges being reversed and resubmitted without them dropping off. Even today, the payments and the accounts do not match up. When you call, they tell you to just trust them and refuse to send anything that helps. I have had two loans with them that caused these issues. This is not okay, I have made payments in advance and always pay on time. My credibility isn't in questions, their ethics should be.
Product: Mortgage

UWM reached out when setting up payments from my escrow account and inquired as to my consent to pay my supplemental tax bills. UWM was my loan servicer for the greater part of my first year owning my home at XXXX XXXX XXXX As such the secured tax bill had not updated until the following year, so a supplemental tax bill was created for me to match the property tax owed for XXXX. After getting my consent, they made XXXX payments of {$560.00}, XXXX and XXXX whose amounts I got directly from the Tax Collector for XXXX XXXX XXXX. They had made the last payment late and I never received notification of such in the mail. That late payment incurred a fee and then in turn that amount then became defaulted on, which incurred a XXXX default fee. UWM transferred my loan and escrow accounts with a delinquent balance, so I began incurring monthly fees for {$49.00} until I reached out to XXXX XXXX XXXX XXXX  and investigated this entire matter. If UWM was unable to accept the responsibility of paying my supplemental tax bill, the appropriate course of action should have been to refund me that amount and allow the homeowner to pay those payments. I incurred an obligation of over {$1000.00} dollars as a result of their negligence, and in their response letter contradict themselves in stating they made the supplemental tax bill payments but that supplemental tax bills are the responsibility of the homeowner. I would appreciate some resolution and admission of fault at a minimum from the company. 

Edit : The CFPB closed my complaint without the ability for a response. UWM stated that I reached out for them to arrange to pay my supplemental tax bill on XX/XX/XXXX and XXXX, XXXX. This is accurate, however they stated the tax bill was already delinquent on XX/XX/XXXX. This is inaccurate because the secured tax bill was due the XXXX but the Supplemental was due XX/XX/XXXX as shown on the screenshots from the XXXX XXXX Tax Collectors database. They finally processed the payment over a month after I had asked them to do so on XX/XX/XXXX, causing financial damages due to negligence. I look forward to an updated response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with FTC regards to the data breach that occurred on my credit reports with all major credit bureaus. ( Equifax, Transunion, Experian and XXXX XXXX ) I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to the following : 1. My academic records and personally identifiable information ( PII ) 2. My free application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information 3. My IRS tax transcript, which were obtained and used without proper authorization. 
Which is a violation of 15 USC 1581 I am demanding the following : Immediate discharge and cancellation of all federal loans, and all negative inquiries on my credit reports which caused an adverse reporting of my personal and business credit reporting.

A formal investigation into this data breach A full report on the extent of my data exposure Immediate notification to all major credit bureaus
Product: Credit card

I opened a letter on XXXX which contained a new Chase Bank, Freedom Unlimited Credit Card along with all legal information, disclosures and pamphlets. 

I never applied for this card or had knowledge of this account being opened. I was apparently hacked. 

I had to call Chase and I had to call XXXX to get my credit cleared and locked. 

I do not know if my other assets are in danger.
Product: Student loan

During the Covid pause up until XX/XX/XXXX, I have made payments for my student loans. I requested in XX/XX/XXXX to be refunded for those payments I made during the Covid pause period. The servicer told me to allow 90 days to receive a refund. I have not received a refund. I have called numerous times to get a clear answer and to obtain my refund with no reliable information. One representative told me they havent process the refund. One told me they are waiting on information. I dont know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To whom this may concern : This letter is to inform you that these numbers XXXX and XXXX are inaccurate. 

This is not my phone number and I am not reachable at these numbers. These numbers should not be on my credit report profile ; they are incorrect. Please remove. 

My correct and accurate phone number is XXXX I have tried to dispute these numbers on my Experian credit report via the Experian website but Experian will not delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called XXXX and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor and that is not even on the report. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

EQUIFAX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX