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

My father is the primary account holder of the family 's Chevron/Texaco card which is issued by Synchrony Bank. 

My father recently went into assisted living, so I called the card company to ask how I could manage the account, and I explained that I had power of attorney. ( POA ). They asked for the power of attorney document to be faxed to them, which I did. 

Then I went to get gas, and the card was declined. I called and they told me that there was a restriction on the account until the power of attorney documents arrived - this makes no sense, as the primary card holder, my father, has made no changes to the account at all, and until the XXXX arrives he is still the person they should talk to. In other words, they conflated the question of whom they could talk to about the account with the question of who the authorized users of the account are. 

Meanwhile, I was stranded with less than XXXX miles worth of gas, and was given no warning of the restriction. We would have been better off just never telling them about the XXXX, and instead I could have just logged into the account as my father. This is what we get for trying to do it the right way. 

We have been XXXX customers since 1962. It's really upsetting to be rewarded with loyalty this way.
Product: Money transfer, virtual currency, or money service

Incident XX/XX/2021, $ XXXX+ lost,, No account access to Coinbase. Basically I was part of a sim card switch fraud where my phone was taken over for a period of time. During that time they gained access to my Coinbase account by using the XXXX  authentication since Coinbase uses your email address as the username and that is easily obtained by almost anyone. My Coinbase account was wiped out and they even attempted to transfer funds from my linked bank account. I notified Coinbase on XX/XX/2021 and they gave me a case # however as of today, XX/XX/2021, Coinbase has not given me access to my account and there is no response from them since XX/XX/2021.
Product: Credit card or prepaid card

In the XXXX statement I had XXXX ( ish ) dollars of charges I did not make. I have refused to pay and have contested them. I stopped autopay and they still tried the next month to debit by account! UNAUTHORIZED!! I will pay my what I charged but not the ones I did not. They have threatened me through email. Citibank is the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW BOTH ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE TWO ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

Simmons Bank was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently XXXX still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring XXXX properly reports my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXXXXXX XXXX XXXXXXXX. I am a victim of identity theft. These accounts are fraudulent.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Checking or savings account

I was in XXXX XXXX visiting my brother on XX/XX/XXXX. I went to XXXX car rentals ready to rent a car. They told me they didnt accept chime so I had to go to a car rental that accepted chime or XXXX XXXX. Since you cant transfer money from different bank accounts to chime I transferred {$600.00} from my chime account to my XXXX XXXX  A few hours later chime returned my mobile check that I deposited on XX/XX/XXXX and made my account- {$1100.00}. I called them about it right when it happened and they told me they there was an error but they dont know why and that I should contact the person or employer who wrote the check to verify it basically saying the check was bounced. I told my HR about it and had them on the phone with chime and they told her the same things they were telling me that there was an error and they couldnt see why and that we should verify the check with XXXX. She then told them the check is verified and there were no errors on the check. I called them literally 7 times since this incident and they gave me the same answer every time. I deposited this check on XX/XX/XXXX and it was cleared and posted on my account. Now a month later the check was returned to my account and made me- {$1100.00}. Chime is a very shady business that I was warned about at a CAR RENTAL. They stole my money and wont admit to it. I just want my money back because this is very unfair.
Product: Credit card

I received a Chime debit card in the mail on XXXX. I did not apply for nor want this card. I called the customer service number on the card to inquire as to why this account was opened in my name & what is the email/banking account associated with the account. I called 3 times & spoke with 3 different representatives. When I would start asking questions, all three calls were mysteriously dropped. I want to close this card that was fraudulently opened, but nobody will help me do that or tell me whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX  Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  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 or other personal consumer reports

Hello, upon reviewing my Consumer Reports, I noticed discrepancies showing late payments on an account for which I have always made prompt payments. It is vital that Consumer Reporting Agencies ensure the accuracy of the information they report. I have never missed a payment for the following accounts : XXXX. XXXX, Account # XXXX Inaccurate Late Payment Dates : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX ( XXXX Total ) XXXX. XXXX XXXX XXXX XXXXXXXX, Account # XXXX Inaccurate Late Payment Dates : XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX [ XXXX XXXX XXXX XXXX Account # XXXX [ Experian ] Inaccurate Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX Total ) I respectfully request a detailed review of these discrepancies and ask that you provide documentation, such as account statements, to substantiate the claim of late payments. If no such proof is available, I expect the records to be promptly corrected to reflect my consistent history of on-time payments. 

Thank you for your help regarding this issue.
Product: Mortgage

My mortgage was originated by XXXXXXXX XXXX I was approved for, and entered into an agreement of forbearance with the option move the period for that forbearance to the end of my mortgage term. In the meantime Specialized Loan Services took over servicing my loan, and now they will not honor the agreement of the forbearance. I have copies of everything. All agreements, letters, correspondence, emails, etc..
Product: Credit card

I requested multiple balance transfers to my Bank of the America Credit Card in the past year and never missed a payment. I have a balance transfer that is about to expire on XX/XX/XXXXXXXX That specific deferred interest balance, on XX/XX/XXXX was for a total of {$3300.00}. My understanding is all credit card payments in excess of the minimum monthly payment needs to be allocated to the deferred interest balance for 2 billing cycles prior to the expiration date. From XX/XX/XXXX to XX/XX/XXXX, I made XXXX payments totaling {$6000.00}. According to Regulation Z ( XXXX ), that deferred interest balance should have been paid off. On my XXXX statement, the deferred interest balance expiring on XX/XX/XXXX is {$3000.00}. 

I had a virtual chat with XXXX on the Bank of America App on XXXX I also had a phone conversation on XX/XX/XXXX. Both agents stated that the payments could only be applied to the balance with the highest APR. I informed the agent on the phone XXXX XXXX ) about the federal law stating payments within the 2 billing cycles prior to the expiration date need to go towards the deferred interest balance. He stated Bank of America 's credit card agreement does not state they have to do this. I asked him if he could send me an electronic copy of the credit card agreement, he said he could not. The agent attempted to contact a manager but after a few minutes, he stated there was none available. After being on the phone for 39 minutes, I ended the phone call. 

I can not find the credit card agreement that was mailed to me but I did find one online which states this. The credit card monthly statement also states the same thing. However, neither documents mentions anything about excess payments requiring to go towards the deferred interest balance that is about to expire within 2 billing cycles.
Product: Credit card

A few months ago, XXXX XXXX ( AA ) locked my AAdvatage Account due to a security issue. AA required me to create a new account. The old account is XXXX. The new accout is XXXX. My elite status, Citi World Elite MasterCard ( which includes my AAdmiral 's Club membership ), etc., has not transferred over to the new account, and, when I try to merge the old account with the new account, it says : " Unable to merge account # XXXX because it's registered in the AAdvantage Business program. Work with your travel manager to remove this account from the business profile, and then try again. '' I am the " travel manager '' of the business. The business account number is XXXX. I have repeatedly asked AA to delink the old personal account from the Business Account and/or to delete the Business Account so that I can merge the two personal accounts and resume receiving the many benefits that I am paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX recently checked my consumer report and noticed there are fraudulent accounts reporting to my credit profile. I reached out to EQUIFAX and to no avail I did not receive a solution. I filed an Identity Theft report, please see uploaded document. I am aware pursuant to 15 USC 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency such as EQUIFAX with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with account XXXX XXXX XXXX XXXX XXXX, AND XXXX is not relating to any transaction by myself, EQUIFAX IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX, XXXX XXXX, AND XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained PLEASE SEND ME A STATEMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM. A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I, the consumer have put in a dispute with EQUIFAX and I have made it clear this information has not been verified and can not be accurate. EQUIFAX has violated 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority. These accounts must be removed. Upon removing these accounts from my consumer report DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-XXXX-2017 I noticed on my Equifax report that my available credit went from around 10-11k to XXXX. I noticed there were a whole bunch of things that were removed without my consent. I contacted two of the creditors who stated they would send the information to Equifax. I then contacted Equifax and spoke to a representative who stated they did n't remove it but the creditors requested it removed. I asked for a supervisor and also contacted one of my creditors to do a conference call so she can tell them they never requested the account removed. When the supervisor got on the phone, I informed him I had XXXX on the phone. The rep from Equifax then became very hostile and kept saying he can not do a conference call. He then proceeded to hang up. Again, this company is crooked, they do n't do disputes and they remove whatever they want and then blame it on the other party.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX XXXX 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: Mortgage

Panorama Mortgage Group LLC, transferred my loan from one branch to another servicing department ( branch ) in XX/XX/2023. I made my payment like I usually do on time. Later that month on XX/XX/2023 they contacted me about a missing payment. I explained to him that I already made the payment. They told me to upload the documents showing where I made the payment and I did the same day. I called back to make sure they got the forms I uploaded and he stated they did receive them and this should be resolved by XX/XX/XXXX. I called back to see if it got resolved because I scheduled a payment to come out of my account on the XXXX of XXXX. I kept getting harrassing phone calls about a late payment that is not late and it still continues. When I first make the new payment they stop contacting me until after the XXXX. Then they start calling everyday. I asked to speak to the supervisor and she was no help. I reached out to the previous servicer to see if they had a contact number for there home office. XXXX with XXXX said she will get this resolved for me. XXXX in home office called me on XX/XX/2023 and told me that she has my missing payment and was transferring it to the branch. It is still not posted to my account so i called today and told them that my payment should be posted to the account and it is not. They asked me did i provide the proof that I made the payment and told XXXX that I uploaded the documents in XXXX. Also told her that according to the laws after receiving the proof they were supposed to accredit my account. XXXX then stated there is an error and my documents are not on there can I please re-upload them. I told her they were there when i called in XXXX to make sure they were received so now you are telling me they are deleted. This has been going on since XXXX with no resolution.
Product: Credit card

On the Main Page of the XXXX XXXX XXXX XXXX ) it is very difficult to find the paperless statements- they should make that easier but not a big deal 2 ) I had XXXX XXXX on XX/XX/XXXX so I relied on the main page of the account home to tell me the due date to pay to avoid interest 3 ) Guess what your due date in not anywhere on the main account home page so i though I paid in time to avoid interest 4 ) Nope the statement date was 4 days after the previous due date but one would not know what if you missed it on the paperless statement which I did with good reason and I accrued interest 5 ) For such an easy fix this seems intentional to catch people dealing with life 's tragedies for some money I did let them know you should probably put the due date of your last statement on your homepage landing page ... ..seems kinda shady. XXXX seemed to not care tbh. Hopefully the west region exam team can convince them otherwise the potential of consumer harm here especially for the everyday consumer who can miss this like i did EASILY. 

I attached the home page screen shot showing 1 ) how the due date is not displayed and 2 ) how hard view statements is to see ( middle bottom hidden in the page ) - again seeming innocuous but also intentional.
Product: Vehicle loan or lease

a account was open without my consent with capital one auto i have sent all documents to capital one auto, still no reply back or any investigation i have attach my affidavit and Ftc report with my Government ID.. this account has been on my credit file for a long time, i wasnt aware until i was deny employment after running a credit check, i have XXXX kids and a wife this has been very stressful trying to contact capital one bank, please review all documents Attachment in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/ ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP