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

back in XXXX I payed the entire balance off on my American Express card. Thinking that entire amount was paid the following month I made no payment. Appox 30 days later I receive a late notice along with a bill for past occurred interest as well as a late payment fee. I contacted amex and was informed I would have to pay this amount of {$79.00} for accured interest and a late fee of {$35.00} and also my account was subject to a credit interest increase. So I paid the entire amount on date I always made my payments on. Thinking to myself that amount would take careof them and I certainly would not be using your card in your longer okay that didn't happen this month I received another bill for {$35.00} for a late fee stating that the payment was not received until the XXXX of the month although I make your payment electronically through my bank as I have always in the past on the XXXX of the month which is the day that I get paid on. So now I have a new bill again for {$35.00}! in late fees and they are also reporting me late to the credit bureaus. I might mention that they sent me a later stating that if I were to fileba dispute with credit bureau they would be cancelling my account. I don't know what kind of business practices by are these but it sounds as if they are making threats. I need assistance with them because even when I called to get this straitened out the person I spoke with was very rude and menecing.
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Product: Credit card or prepaid card

An Amazon Store Card was opened fraudulently under my nickname XXXX XXXX. I called Symchrony and they 'shut down the account, cleared my responsiblity, and notified the major credit bureaus ' yet continue to harrass me and actually sent me a new charge card. 
Please help as the phone calls are daily
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TrasUnion and informed them that my credit report is incorrect and that fraudulent inquiries are being reported. I was instructed to send in an fraud report, they keep saying they are not receiving it so I am attaching the report and the request to remove these inquires.
Product: Money transfer, virtual currency, or money service

I had 2 different cash apps get closed out by cash app who offered no explanation and I did nothing, I also had a business account with them and they closed it down stating they couldnt verify me but you had to verify your info when you opened the account. I was not able to call anyone regarding reasons for the closure
Product: Checking or savings account

On approximately XX/XX/XXXX I noticed several unauthorized charges to my account from XXXX. I was alerted because I had just recently turned on my notifications for Chime. At first Im thinking its for my XXXX subscription but I knew something was incorrect once I had been charged like XXXX  times in a XXXX wk span. Immediately I reach out to XXXX who is initially confused because according to them no charges had been made on my account. As they look into the matter they see that my card info was in fact linked to another persons account and that they had been making charges to my card since XX/XX/XXXX. At this point im extremely annoyed because XXXX wont tell me who is using my information and also let me know that they had no way to remove my card from that account. Now I call and speak to several representatives at Chime explain the situation and filed a dispute. They denied my claim. Long story short I have talked to countless representatives/supervisors from both Chime and XXXX and I am still in the same situation that I started in. While unfortunately I have to keep my card locked because this person continues to make attempts to purchase things.I evn cancelled my on subscription and asked Chime multiple times to block the merchant but again it continues to happen. I have to say that at least the XXXX employees did everything that they could to help me figure out what was going on including them helping me figure out that the card that was linked to this other account was a card that I had deactivated but for whatever reason they are still able to use it. I am at a loss of over XXXX at this point and no one cares. When I filed these XXXX disputes I provided emails from XXXX stating what card was being used and that the account was in no way linked to me. I also sent Chime pictures of my transaction history from XXXX dating all the way back to XXXX which clearly shows every purchase I made. Now when I appeal it they almost immediately deny it. Im at my wits end and just need some assistance, please help!!
Product: Credit reporting or other personal consumer reports

The issue Im having with Equifax. I can not login into my account online. Its showing me error messages every time I login. I called Equifax to have them to pull up my credit report and they cant find it. I have been applying for credit and my credit report isnt showing up or its frozen. This is ruining my life at the moment. I cant apply for credit under Equifax. This has been going on for two years now. Equifax havent fixed the problem yet. Every time I call in to Equifax they say they will have someone to send a email about a report and they will be looking into the issue. No one never sends me a report and no one has looked into the issue. This has been going on now for almost 2 years, I just need it fixed. 

The Issue Im having with XXXX. I cant do any kind of disputes or check my credit report online. XXXX asked me to send in my ID and all the important documents needed to verify who I am. They still hasnt fixed my online login information to check my credit report to do any kind of disputes. Every time I call XXXX and talk to a customer service representative, they say someone will call me back and send me an email about the problem and they never follow up with the information that they say that I will receive. This is ruining my life and this issue has been going on for XXXX years now, and I just need the issue fixed and resolved. Its other accounts that I need to dispute thats not accurate on my credit report that I can not change and fix. Ive been trying to update my address now for the last year. XXXX will not update my address even with the documents they requested from me. Please can you help me to fix this issue with both credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

wells fargo bank drill my safe deposit box with out notice, they lost it my everythimg
Product: Vehicle loan or lease

Auto loan opened on XX/XX/2018 in the amount of {$6600.00}. I was never contacted from the creditor or the 3rd party regarding debt validation or anything. This company is in violation of the federal debt collection practice. The account was sold to a 3rd party  without my permission and without my knowledge, which is perpetrating identity theft.
Product: Credit card or prepaid card

Billed on XX/XX/XXXX for unwanted merchandise by XXXX  Reached out to XXXX XX/XX/XXXX who claimed they could not cancel the order though it had no been shipped out. 
Reached out to American Express XX/XX/XXXX to dispute this as I did not want this merchandise XXXX  did not ship until XX/XX/XXXX - almost a full week after I reached out Following the UPS shipping label it was delivered to a zip code that wasn't even mine so I never go the merchandise. - The zip code isn't even in the city I live in. 
American Express sides with the merchant though I have never received merchandise and it was well within their ability to cancel
Product: Credit card

I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip.
Product: Credit reporting or other personal consumer reports

I noticed some things on my credit report that I didn't authorize
Product: Checking or savings account

I recently opened a Navy Federal Credit Union Savings and Checking account. Post signup, I noticed the only multifactor authentication offered is SMS and email temporary passcodes. These options are unsecure, because SIM Swapping fraud which hijacks people phone numbers can get the SMS passcode to hijack a bank account. 

The FBI has documented this hacking fraud method and it's actively being used. Please implement XXXX or XXXX security to properly secure my and others bank accounts with. Also allowing customers to enable a customer service password which would be required for any support or to give any customer data would be good to add to prevent attacks.
Product: Debt collection

Without acknowledging the request for validation, this account was applied to all 3 consumer reporting agencies on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 1681 section 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions
Product: Credit reporting

According to my credit report, I have a paid account opened under Central Financial Control. This account was paid and is listed as, " PAID COLLECTION '', but says it will not be removed until XX/XX/2020. This account was paid and needs to be removed completely from my credit report. The collection agency has failed to remove this paid account and it is negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$710.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX via 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 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 then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries are fraudulent and were not authorized. I continue to dispute them with TransUnion who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Inquires are as followed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, has Violated my rights. 15 USC 1681 Section 602 ; states, I have the right to privacy. 15 USC 1681 Section 604 ; A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any purpose.
Product: Mortgage

Nation star aka Mr Cooper I have an FHA loan that was taken out on XXXX XXXX. Mr Cooper services my loan I have never been late nor missed a payment for the life time of my loan, I own a XXXX XXXX a XXXX XXXX and my work all comes from an XXXX in NJ who is currently at a stand still due to the current epidemic. 
Mr Cooper is offering a forbearance package to those who are suffering from financial hardship due to the coronavirus, they are offering a 3 month no payments, however they claim at the end of the three months the three months you have missed in that time plus the current month are then all due at that time and they will report all payments as delinquent until paid in full, they claim mr Cooper does not accept partial payments. 
If that is what they are offering I cant possibly see how that can help anyone, it will for sure put me in foreclosure and Im sure many others if we are struggling with making the payment monthly now how is it possible I can come up with $ XXXXx 4 not to mention my mortgage was {$2300.00} in 2017 when I purchased my home, Florida doubled my taxes a year and a half after moving into my home stating it was reappraised and the 10 percent law did not apply to myself. 
I am already struggling and I cant possibly see what mr Cooper is doing in this time can be acceptable while all  other banks are putting the 3 months to the back of the loan as it should be that would be a true forbearance program as of this I see it as being a set up so they can take my home, if I am at risk of this how many other Americans are at risk of this happening its so unconstitutional and unfair. 
I can not get in touch with anyone at this company I was told 6 days ago I would be called back and not loose my Spot in line to never be contacted now they have a message that states to go online and file the application. I really hope for the sake of myself and every other consumer with mr Cooper something can be done for us effected consumers  thank you for your time XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations
Product: Credit card or prepaid card

An unauthorized charge of {$160.00} was made on my XXXXFortiva XXXX on XX/XX/21. The payment went to an entity called XXXX. I have never heard of or used this company. I immediately contacted XXXX and they canceled the card and issued a new one. Two other fraudulent charges, another to this same entity and one to another entity were pending when I notified XXXX and those never posted to my account. I have submitted a fraud statement but the charge, plus interest is on the account and the account is being reported as delinquent.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriation redress for these violations
Product: Checking or savings account

MY PHONE & WALLET WERE STOLEN. AFTER STOLEN SOMEONE USED MY XXXX XXXX TOO SEND XXXX $ to themselves TRUIST IS BEING UNFAIR BY NOT RECOVERING THE FUNDS FOR ME SFTER I SUBMITTED A DISPUTE
Product: Debt collection

I have attached a letter with the details of this incident. Resurgence Legal Group is trying to collect a small debt that was paid ( principle ) from 11-12 years ago. They said they bought the old account. They have refused to give me any documentation regarding this " account they bought from another entity ''. Please read the letter that is attached. I have also attached 6 pages scanned that I got from XXXX regarding the freeze of my assets. 
Thank you for your attention to this matter as I have zero access to my money in my account with XXXX. 
Thank you, sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

My loans are serviced by Mohela. I believe that interest has been accruing improperly since I have been on the XXXX plan as well as since the XXXX plan has been in 0 % interest forbearance and possibly before that as well. I have asked many times for statements for the life of my loans and after much, much effort only received a ledger accounting for the period between XX/XX/XXXX and XX/XX/XXXX. Even in this time period, interest appears to have improperly accrued. The beginning balance in XX/XX/XXXX appears to be {$110000.00} and {$110000.00} in XX/XX/XXXX. It shouldn't have accrued any interest during this period due to the SAVE plan. And interest appears to have accrued after this time as well even though my loans were in SAVE 0 % forbearance. My balance appears to now be {$110000.00}. 
I also have no idea if interest was properly calculated prior to XX/XX/XXXX since Mohela will not send me these statements.
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX  XX/XX/2024 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I received invoices from a Debt Collector, and the listing of the original creditor on their invoice was similar, but not the actual name of a medical provider I had used in the past. I sent XXXX certified letters asking for a debt validation, challenging the debt. I only received additional invoices with added interest. I sincerely thought this was a scam operation, purposely using a original creditor that is not a registered business per the Ca. XXXX website. The Debt Collector then reported this to the credit bureaus. I started with XXXX, and informed them that the debt collector invoiced me for a original creditor that does not exist, and then reported the debt using yet another name, similar but not the name of a medical provider I had done business with in the past. XXXX, after investigation, much to my surprise, did not challenge the debt collector and let the debt stay on my report with an original creditor that does not exist. I then contacted the original creditor and advised them of the situation. Explaining why I did not owe any money, and why I thought the debt collector ( based on the XXXX similar but different names they were using ) was running a scam. The original creditor then contacted the debt collector and the debt was removed from my records. This process consumed time, effort, money ( certified letters ), and was very stressful. The debt collector could have made this whole process easier by providing a debt validation and presenting accurate invoices and creditor information. The credit bureaus should not be allowed to post bad debt in the name of original creditors that do not exist. Accuracy matters, and " close enough '' is not, nor should it be the standard for such important matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 am doing this own my own behalf and have contacted my police and the FTC.