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

On XX/XX/XXXX I opened an account with BBVA in response to an invitation to apply based upon being preselected for credit. I received my card a few days later and activated the plastic on XX/XX/XXXX. I attempted to use the card the same day via a phone transaction with a heating and air company for {$3000.00}. The transaction was blocked for suspected fraud. Which i'm fine with, thank you for the security. But, it has been XXXX in trying to get them to resolve the block. I have spent way too many hours on the phone waiting on hold only to be told there was nothing they could do. 

In accordance with their request, I provided them copies of my ID, my W2, my paycheck stub and a utility bill ( also on XX/XX/XXXX ). As they suggested i called back, waited on hold for an hour to tell them I sent the requested documents ( at their request ). I made the call and was told it would take 1-2 days and an investigator will review. Well here we are now XXXX and i still have not had a phone call. 

The only reason I opened this credit card was to use it for this one particular transaction, to take advantage of the 0 % promotion and the {$100.00} new account incentive. But, in my attempt to use the card they are now preventing me from taking full advantage of the offer. Simply because they refuse to work my case. I would really appreciate help in getting this resolved.

Also, in todays climate of hacking and fraud, I found it interesting they wanted me to send my personal identifying documents via an unsecured platform for them to do their validation. The representative told me that the mailbox was secured. Uh, how exactly is BBVA securing something sent by me? It's not possible. I think this practice is unethical and contributes to the possibility of peoples identity being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide recovery is stating on my credit report with XXXX  that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with XXXX  for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both Nationwide recovery for re-aging practices and XXXX  for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.
Product: Credit reporting or other personal consumer reports

Multiple mortgage inquiries have been placed on my credit report within days at a time. I was advised that if credit is checked for a mortgage within a 14-day period, it will count as 1 hard pull. 

I have had a hard time speaking with XXXX and transunion to get this resolved.
Product: Student loan

1 ) Student loan is not mine, per se. it's a loan i co-signed for.

2 ) She fell behind and called to have the debt deferred. It was deferred.

3 ) They emailed me, and told me she was behind. She told me it was deferred so there should be no issue.

4 ) They would not give me any information when I asked for details on the loan. Said they could not through email ; I insisted that they do it through email a ) for proof b ) they already gave me the account number, why not the amount?

5 ) They were harassing. Called 3 times within 5 minutes.

6 ) Once I threatened going to a lawyer and filing a claim, miraculously they were able to send me secured email with the information.

7 ) I paid on the loan that I co-signed as soon as i had the information - they could've received their money a lot sooner if they just gave me the information. NOT MY FAULT!
Product: Credit reporting or other personal consumer reports

Upon reviewing a copy of my credit report I found inquires that I do not recognize nor did I ever do business with any of these companies listed. I also never gave permissible purpose for my credit file to be pulled which violates 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 2022
Product: Debt collection

I was with XXXX for 2 years. Contract if any is expired already!!! I cancelled over the phone repeatedly 3 months ago, They have some stupid incompetent desk clerks phone answers. Took over 10 minutes before they could comprehend the simple meaning CANCEL my account, PLUS, they were cryptic about there version a FREE 3rd line. HOW would I continue to have a phony ghostline still open when I told this inapt phone answerer to cancel my account. That simple!!! NOW 3 months later they enrage and harass me with some dishonest collection agency sending me there obfuscation bill for XXXX, Where did this phony amount come from?! WHY was I never informed they were trying to cheat and defraud me because I cancelled. There miserable reputation for idiotic customer service is still true today!! Lousy reputation for sloppy incompetent customer service!!! I already paid my 2 lines when I cancelled!!! I have no clue where they self created this fraudulent debt from! Waste of time at there mismanaged stores, obviously set up that way to be intentionally futile and opprobriously malignant to get them to fix there own sloppy insulting blunders
Product: Credit card

XXXX XXXX XXXX XXXX XXXX my daughter answered a phishing call which resulted in our phone lines being cut off. New phone number issued by the phone company ( XXXX ) I checked with XXXX concerning a fraudulent card opened and contacted the card company - Citicard/Citibank of the fraudulent use of my name and social security to open a credit card with my name. Because the fraudulent person used the stolen phone number, I had to go through a process to verify my identity with Citicard. By the time I verified my identity, the charges were made on my citicard of XXXX I cancelled the card finally once my identity was securely identified and began the process of disputing the charges. 
XX/XX/XXXX, I was notified Citicard/Citibank is expecting payment for the charges made by the fraudulent person identified at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and by the email address of XXXXXXXX XXXX XXXXXXXX. I called XXXX and was told that the charges were fraudulently placed and it was not my responsibility. They gave me a reference # XXXX. 
I called XXXX and was told Citicard/Citibank finds me liable for the charges and that they have yet to close it out. I was given a website to upload any new evidence into XXXX XXXX I tried to upload the police report but the link didn't work. I mailed a copy receipt return to XXXX XXXX XXXX : Customer Care XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I called XXXX police to obtain a police report. I received a complaint number as XXXX.
Product: Debt collection

Company name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXX XXXX XXXX Original contact was XXXX. I received the first email. I contacted the company stating I was not the person they were looking for and not to send me email with the debt details as i am not a financial POA for that person. I told them over the phone that I would file a complaint about their lack of privacy concerns. 

I have received another email today, with all the same details as before. The company does not take privacy concerns seriously and this shows a lack of awareness when it comes to sharing details that should not be public.
Product: Credit card or prepaid card

Ive reported my card ( XXXX ) lost to Capital one and charges to be removed. 
Capital one initiated a investigation and removed only some of the charges. 
I spoke to them on XX/XX/2019 and they stated that decision final with I can not accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$730.00}
Product: Debt collection

The payday loan amount was debt from the checking account on XX/XX/2019 for XXXX. However XXXX XXXX sent the debts to Add Astra Recovery Services Inc for collection. I sent them my bank statement last year and again on XXXX XXXX showing that the payment was payed and no refund was given. I also spoke with bank on XXXX XXXX and they went back on my account from XX/XX/2019 until the present and no refund was showed. I contacted both companies and has been unsuccessful nobody want return calls. I refused to pay this bill again.
Product: Mortgage

We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help!
Product: Checking or savings account

Opened a dispute with Chime banking, provided all evidence the company I bought from never provided product, they denied my dispute saying no error. They reopened, I provided more evidence including all packages from XXXX, proof of messages between seller and I, transaction, provided more proof that they stated the seller didn't even respond to dispute or show any evidence of sending or attempting to send a product. I ask chat, they refer me to email, I email, they refer me to chat, I tell them both this and they say call, I call and they refer me to email. No one is answering or updating me about it or telling me any information as to why or what I can do. Many many complaints from thousands about chime and their dispute department and how they have all proof and still denied.
Product: Checking or savings account

We have had a savings and checking account at the USBank branch in XXXX, Ohio XXXX for many years. A few years ago, on a routine visit, a bank representative at this location told us that we would automatically receive " Courtesy Overdraft Protection '' for our checking account. It was presented, and thereafter regularly written as a " Reserve '' account on monthly statements and online. To the best of my knowledge, no documents were signed by my wife nor I. From the information which the representative presented, we understood that, should an overdraft occur, monies would automatically be transferred from our account to cover the overdraft amount. There was no mention of fees, nor was the " reserve '' account ever referred to as a " line of credit '' until I questioned another bank representative over the telephone a few months ago. Unknown to my wife and I, one overdraft event had accrued over {$1200.00} in fees and interest. Had USBank referred to the " Reserve '' line as a " Credit '' line, we would have paid the overdraft immediately months earlier. We filed a complaint with USBank corporate which was rejected via a form letter in XX/XX/XXXX without any clear explanation. The local branch manager has not responded to repeated requests for documentation. Thank-you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a New Complaint filed on XX/XX/XXXX. 

I am extremely distressed that you have continued to report fraudulent reformation. For well over 4 years. You guys have Included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The last response I received on XX/XX/XXXX is as Quoted, On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$570.00}. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the first communication we have received on behalf of this account. In response to your complaint, this account has been placed in a disputed status and collection activity has been suspended. We will obtain validation from our client. Once this information has been obtained, we will mail the documents to you. It is Convergent Outsourcings position that this account will be updated to the credit bureaus with accuracy as disputed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed especially given this process has lasted while over 5 months & I have received little to no communication from you guys which is highly unprofessional. If you are unable to provide me a copy of verifiable proof bearing my SIGNATURE. It must be removed immediately. Thank you in advance!
Product: Credit card or prepaid card

I have a XXXX account. On XX/XX/XXXX I attempted to pay my balance in full, {$550.00}. My checking account was not listed as a means to make payment, so I added it and made a payment. XXXX 's computers say my checking account is already connected but it's not and my pay was 'refunded ' on XX/XX/XXXX. 

I was told to contact Synchrony Bank, the actual creditor. I made a telephone payment which posted to my personal checking on XXXX. 

Later I tried to add my account several times but failed each time and with each attempt my personal online banking account was locked. I called several times and had several online conversations. 

XXXX instructed me to contact Synchrony Bank but Synchrony Bank had told me to contact XXXX. I am getting the run-around from XXXX. I asked for a supervisor but was blind transferred to an automated line. Today is XX/XX/XXXX and my account is not reflecting correct figures. I don't know if I'm paying interest on a balance I have already paid. 

I have spent too much time trying to straighten out this account. I have n
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2021 Tjx Rewards Platinum Master Card ending in XXXX XX/XX/2021 BP Visa ending in XXXX XX/XX/2021 Amazon Card ending in XXXX XX/XX/2021 Lowes Advantage Card XXXX XXXX XXXX XX/XX/2021 Synchrony Homes ending in XXXX XX/XX/2021 Rooms to go ending in XXXX XX/XX/2021 Care Credit ending in XXXX XX/XX/2021 Amazon Card ending in XXXX Synchrony Closed all these accounts and the reason is high risk of failure to pay which Never late on any of my credit cards ever some had no balance and never been used also the would close an account then they say to apply and they give it back to again just to close it in a month to destroy my credit score.
Product: Credit reporting or other personal consumer reports

My wife and I are on the market for our first home, after reviewing my credit report I noticed some hard inquiries and collections that do not belong to me. I amseeking your assistance in helping me remove these negative reports and inquiries. They are severely impacting my ability to obtain a loan.
Product: Credit reporting or other personal consumer reports

XX/XX/24 i sent experian a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : 1. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
2. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from XXXX, TransUnion, and XXXX showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ XXXX ]
Product: Debt collection

In XXXX of XXXX I stayed in XXXX where I was confronted by a nice young woman to be invited to attend a airing TV show and a seminar on Time sharing, at no obligation and no cost to me. The woman explained to myself and my friend that in order to be eligible for the promotion that we would have to be married. We explained to the woman that this was not the case and we did not wish to move forward with the process, being a little pushy and also very kind at the time we decided to stay and watch the show and listen to the seminar. After we were then approached by a gentleman asking us to fill out a form with only our last XXXX digits of our Social Security number, reluctant because of the hard pull we were reassured that this would not effect our credit in any way, so we agreed. We were also promised by joining this program that we would be eligible for a free 3 day trip to a resort of our choice once we payed a {$100.00} upfront fee I then gave them my personal account information to make the payment. Upon arriving back home from my trip I immediately called to inquire about this and get more information to book for my free trip. I was transferred to over XXXX different numbers ending up at the same place I started at XXXX. This is when I realized I had become a victim of their fraudulent acts. XXXX XXXX XXXX they started to withdraw {$100.00} a month from my checking account, This went on for 4 months until I told my financial institution to stop the payment and was reimbursed {$400.00} that they took from me. In XXXX they " verified " the account as being correct and the bank refunded them back the {$400.00}. In XXXX of XXXX a report ended up on my credit report and also my friend XXXX XXXX as delinquent for the amount of {$1200.00}. My first complaint is that I was told that this would not effect my credit and was 100 % risk free and I would be able to cancel at any time. Secondly, If the company already received {$400.00} from us, how are we still entitled to pay them the full balance of {$1200.00} which is the price quoted for the entire package. Lastly as of XXXX when this remark showed up on my report it had not even been a full year as stated in the contract that the time was up, this action alone should prove that they were even more fraudulent by this action. This company is not only defrauding us a consumer 's but you as well and there should be a full investigation opened up against them because I 'm positive that I am not the only person this has happened to. This is horrible that these people are legally aloud to get away with such fraudulent acts. I am requesting that it is removed from all of my credit reports and XXXX XXXX 's for it states that is a joint contract, also a full refund of the monies that was taken from my checking account
Product: Student loan

OSLA admitted to sending the loan to XXXX as promised but never did it after making the promise to send it. I have an attachment as proof. 

backstory : Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.
Product: Vehicle loan or lease

My XXXX XXXX vehicle was repossessed by a unknown towing company. 

15 USC 6802 Financial institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.