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

I received a recorded call on XX/XX/21 stating that a purchase had been made on my Amazon Chase Visa card in the amount of {$270.00}. I have not made any purchases from XXXX since XX/XX/XXXX and it was less than {$30.00}. I contacted XXXX to verify the charge and was told : ( 1 ) the call was a scam ( 2 ) XXXX does not call customers ( 3 ) follow a link to make this claim. The scam call phone number began with XXXX area code and was repeated so fast that I could write it down.
Product: Debt collection

There is no valid option available for my complaint, but I was directed to cfpb from the ftc website on this issue. When communicating with Key 2 Recovery, Inc, they directed me to their website XXXX which accepts customer information without use of https, TLS, or any other form of transport encryption which violates PCI DSS requirements. When I attempted to notify the merchant directly, the representatives were rude, refused to field my question, and did not escalate my call to a manager.
Product: Debt collection

CBE Group debt collector is using an automated dialing system to call my cell phone from a spoof phone number throughout the day and evening. The number they are using is intended to mask itself as a local phone number. I called the number XXXX and verified it 's forwarded to the CBE Group.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts.
Product: Debt collection

On XX/XX/2021 a XXXX  account was set up in my name with an incorrect information. I was hospitalized on XX/XX/2021 for XXXX and stayed for a month .When I was discharged I had to be away from people for 2 weeks. I Contacted the first collection agency when I received the letter and was told that I would receive a fraud packet and that it will not be reported on my credit file. I never received a fraud packet instead I received a letter telling me that they no longer had the collection in there office and that the collection had been sold to another agency. A few months past and then I see a collection on my credit file from Amsher Collection agency phone number XXXX it is based out of Alabama. They never sent me a letter or anything .I called spoke to representative who basically called me a liar was rude condescending and ultimately had to speak to her manager who told me to fill out a fraud packet on the XXXX website and stated that she would freeze the collection until the fraud investigation was complete. About a week later my credit file was updated with a higher balance owed from XXXX to XXXX and its submitted as delinquent. I called back and spoke to the same individuals rude, giggling and completely unprofessional. And I asked for a letter from there agency that they sent me notifying me of the debt and was told they mailed it to an address on file that I am unfamiliar with. Please help me with this. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or deleted from erroneous reporting in my file are listed 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
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 respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( 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 my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had Navy Federal over 8 years and had overdraft issues. Transactions were delayed, causing my account to look like more funds were available causing the overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC.
Product: Payday loan, title loan, or personal loan

took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.
Product: Debt collection

I was contact by Credit Corp stating they are handling a debt owed to XXXX and the name on the account is XXXX XXXX. I have a XXXX account, but it is linked to my personal bank card as I have never applied for credit through XXXX. i contacted XXXX and they stated my account is good standing. I informed Credit Corp and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them two emails, one included an Affidavit of Fraud, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are 49 individuals in California with the same name. I believe someone with a similar name opened the account or used may name to open the account. I have express this to Credit Corp but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.
Product: Checking or savings account

On or about XX/XX/2022, I observed an unauthorized transaction on my Wells Fargo checking account in the amount of {$7.00}. from " XXXX XXXX XXXX XXXX XXXX ''. It ALLEGED that I made the transaction on XX/XX/2022, however, I am inside my apartment and i NEVER left! On the same day, the amount was reversed in the same amount of {$7.00}. I cancelled my debit card immediately and requested a new debit card. I contacted Wells Fargo customer service and spoke to XXXX ( phonetic ) refused to provide last name and advised her of the same and I was issued a claim number. XXXX LEFT ME ON HOLD for over FIFTY minutes and counting! I would like to know who made this transaction, I want them held accountable and why was I left on hold with this VERY serious issue!
Product: Credit reporting or other personal consumer reports

Im writing to address an unauthorized inquiry that has appeared on my credit report, which I suspect is fraudulent. Upon reviewing my report, I noticed an inquiry from a company I have no connection with. I have not applied for credit with this company, nor have I given consent for such an inquiry to be made. This unexpected activity is deeply concerning, as I prioritize protecting my financial privacy.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given a {$100.00} American Express Gift Card for a Birthday in XXXX. I never took it out of the birthday card until recently. Although the balance did not expire ( Still showing {$100.00} balance but expired ), the card itself " expired ''. 

The documentation on the card states to call American Express and they will issue a new card. I've called 6 times since XXXXXXXX XXXX XXXXXXXX. Each time, they say they will send out a new card within 7-10 days. No card is ever received. Every call to them the process begins again. My last call XX/XX/XXXX, they said they will send it 2 day express mail. Still nothing. I believe they are doing this " on purpose ''. My sister-in-law put {$100.00} on this card and they refuse to let me use it. 

Also : Previously I could check the balance online and by phone ( number on back of card ), Since my last phone call to American Express, the 3 digit security code on the back of the card is now saying " invalid '' when checking balance online. Calling the automated system today, the balance is still showing {$100.00} unused / card expired.
Product: Checking or savings account

Chase has not suspended overdraft fees during the Coronavirus pandemic. Anytime I'm able to get a small deposit in my account, they wind up going just to cover overdraft fees. They've also purposely structured transactions to result in more fees. At a time when my income has been cut by half, Chase continues to charge overdraft fees. Even worse, they will not respond to me. I've been on hold several times for up to three hours to discuss this with them only to have the call disconnected. I've contacted them through their secure message center and I've contacted them through social media. It's unbelievable the way that they're treating people at a time like this. I need them to do the right thing and stop taking advantage of us during a pandemic.
Product: Checking or savings account

Checking account closed with no prior warning. Bank has my address, phone number. I received my monthly bank statements. No attempt to contact me concerning issues with the account. Bank claims that identification was never verified. 
Took almost 2 months to receive my money back from the bank. I was forced to visit a branch to finally get a resolution. Now bank has the audacity to send an IRS Form 1099-INT for {$150.00} in interest. This interest was received as bonus for opening a new checking account. But the bonus was reversed and was not given.

Called Huntington but just get bounced around from office to office.
Product: Credit card or prepaid card

XX/XX/2021 statement had a balance of {$160.00} closing on XX/XX/2021. Payments in the form of a cashback statement credit were redeemed on XX/XX/2021, in the amount of {$160.00} and an additional {$5.00} payment was submitted on XX/XX/2021. The combined total covered the XXXX balance due. Upon logging into my account on XX/XX/2021, I noticed a {$20.00} late payment fee applied ( allegedly from XXXX ) and an overdue balance of {$390.00}, which constitutes the value of purchases between the next statement cycle ofXX/XX/XXXX-OXX/XX/XXXX 2021. I immediately made payment for this amount, even though this amount is said to actually not be due until the exhaustion of the 25 day grace period.
Product: Payday loan, title loan, or personal loan

I received a PRE-SELECTED loan offer, after Goldman Sachs accesses my credit and needed to provide a firm offer of credit. They declined my application because I have over {$500000.00} in a CD with them, and apparently their system is unable to handle two accounts to the same email. 

Im totally fine if you cant make me a loan, because of your incompetent systems inability to allow two products. BUT, do not illegally access my credit and send me a false preselected offer if you are unable to fulfill it.
Product: Credit card

Made a large payment XX/XX/XXXX over & XXXX request information on fraud charges spoke with several representatives for balance I owe to close account ask for corporate address and telephone number to speak with someone regarding my complaint informed they cant release number or name they continue to charge fees on closed account I have been asking for documents for over 4 months they said I would receive it on XX/XX/XXXX but when I called representative stated someone lied to me so representative by name of XXXX stated he will send it out again but they will continue to charge late fee and maintenance fee on closed account I just want to pay for charges I made not fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an auto loan from Rally Motor Credit who stop reporting my Car loan to the credit bureaus and now they merged with another company called XXXX XXXX. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.
Product: Debt collection

The company calls daily, sometimes under spoofed numbers, sometimes up to twice a day. During work, during dinner. The most recent was around noon from XXXX. Once I answered when they called under a spoofed number in my area code and the operator was rude and misleading, saying that I needed to contact the original creditor to work something out. I couldn't even verify that this is indeed my debt, I think it belongs to my brother. Before I hung up on the operator, I explicitly said " Please do not call me again. '' I still get daily calls.
Product: Debt collection

Mid South Adjustment has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Mid South Adjustment provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Mid South Adjustment has failed to provide any original copies of verification obligating myself to this debt and only has been able to provide a screen shot of a bill. Mid South Adjustment has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Product: Credit reporting or other personal consumer reports

XXXX XXXX I contacted equifax to remove a credit freeze that I had been told several times that need to be lifted I was then told after verifying my identity I needed to answer verification questions that are listed on my credit file that I do not have access to I was then told that an internal block has been place on my credit file as of XXXX  XXXX XXXX  after applying for a school loan through XXXX XXXX equifax now states that a business has reported inaccurate information and equifax has now put a internal block on my credit file to where I am unable to access my own credit file I have also submitted qualifying documents such as my drivers licenses which has been excepted
Product: Money transfer, virtual currency, or money service

I have requested to withdraw funds XXXX cash first request case ticket # XXXX on XXXX 2024. I made subsequent requests XXXX, XXXX, XXXX and XXXX XXXX case ticket # XXXX. I to date still can not access my funds from the E tore crypto exchange in what is considered a basic request. The customer service agents are not helpful, they say they are putting in request to escalate but nothing happens. They have already checked to see that my XXXX address are true accurate and valid. But every time I put them in to be able to withdraw it says invalid address? My concern is this is what happened with XXXX customer could not withdraw funds. 

I have never had this issue on frozen withdraw of funds with any other exchange I have worked with. It is frustrating as I need this money for XXXX shopping and I can not get it, when it it MY MONEY. This company should no longer be in business in my opinion if then can not resolve such a simple and basic matter efficiently and effectively. As a customer this is the night mere, you use an exchange in trust and they freeze you assets for no known reason and the customer service provides XXXX solution only stating they are working on it, when it has been 8 days now and counting.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX of XXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$21000.00} XXXXXXXX XXXX  - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$8100.00} XXXX XXXX XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$18000.00} XXXXXXXX XXXX XXXX  XXXX Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$9200.00} XXXX XXXX - Account XXXX. : XXXX - Opened : XX/XX/XXXX - Balance : {$3300.00}
Product: Debt collection

I told First Point Collection Resources , Inc. to stop calling me. I demand they cease all communication with me regarding the alleged debt referenced in your recent correspondence. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I request that you immediately stop all further contact with this matter, except as permitted under the law.
Product: Mortgage

Congress passed the CARES ACT in response to COVID-19 Pandemic to help consumers with issues that may arise from becoming ill or financially burdened effecting there ability to make there financial obligations on time and effecting there households adversely. I became sick due to COVID-19 during the month of XXXX and was ill for weeks, during my illness I thought I paid my mortgage payment. I went through all the steps but the payment did not go through I was in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX because of pandemic, I payed my XXXX mortgage payment and assumed I was up to date with payments, I was contacted and made aware that a past 30 day derogatory mark was made on my credit report affecting me adversely, I contacted my mortgage company SELECT PORTFOLIO SERVICING and they informed that I didnt make the payment for XXXX and I still owed XXXX, I checked my bank statements and realized it wasnt paid, I quickly brung account to good standing. I explained to SELECT PORTFOLIO SERVICING what happened and asked if they could make a one time  exception and remove 30 day derogatory mark from my credit report and they are currently refusing and taking GREAT pride in ruining my exceptional credit history, which is partly why the CARES ACT was drafted. I have not been over 30 days late on any of my payments for any company that I make payments to especially SELECT PORTFOLIO SERVICING, As I stated earlier they are refusing to remove the derogatory mark from credit report even though Ive never been pass 30 days late, We are in a exceptional time in history with people falling ill and some passing way due to COVID-19 and for SELECT PORTFOLIO SERVICING not taking these times into consideration is Egregious to say the least. During these times of uncertainty the CARES ACT was drafted to make accommodations for borrowers.These accommodations will help Americans and the economy because we rely on credit. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX ( XXXX ) reducing my credit limit from {$500.00} to {$100.00}. Because I had never been late on any payment or asked for an increase in the credit limit, I was surprised. According to the XXXX representative, Trans Union listed delinquencies, which cause the change. As a result, my credit score was reduced. 

The information reported by Trans Union was incorrect. I want this form of credit discrimination and injustice reported and corrected.