23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I make payments towards my CareCredit credit card from Synchrony bank each month on the XXXX or before and I'm getting charged late fees for doing so. Examples : I made a payment for XXXX on the XXXX of $ XXXX but then charged a late fee on XX/XX/XXXX for {$41.00}. 
I made a minimum payment for XXXX on the XXXX of {$59.00} and then I made a payment XX/XX/XXXX for XXXX for {$100.00} but was again charged a late fee of {$41.00} I made a payment of {$100.00} for XXXX on the XXXX and then was charged a late fee of {$41.00} on the XXXX. 
Then I made a payment of {$100.00} on XX/XX/XXXX for XXXX but again was charged a late fee on XX/XX/XXXX for {$41.00}. 
Now they say I owe for both XXXX and XXXX because the Payment for XXXX I made on XX/XX/XXXX was not counted for XXXX. 
They say the reason is that I'm paying before the bill is generated on the XXXX of each month even when I paid on XX/XX/XXXX I was still charged a late fee. 
When I talked to them they acknowledged that I'm basically getting charged a late fee for paying my monthly bill early or on the XXXX of the month.
Product: Vehicle loan or lease

When I bought my XXXX XXXX from XXXX XXXX in Missouri, I was conned into trading in my car, getting less then half the trade was worth. They added a service contract that I never asked for which cost XXXX $ I had problems left and right with the vehicle, and the warranty the service contract came with. Hasnt covered any of the cars issues that they claim are not covered, but when I call the warranty company they are. When I signed the paperwork I asked before signing why is there 2 amounts on the document, they assured me I was paying the XXXX. The listing price for the car was that much, I got approved and then at the last minute when I was finished signing the paper work the lender they said that approved me changed there mind. They then magically found Santander USA and charged me 25 % casual interest. Now Im paying XXXX for a car thats worth XXXX if that anymore. I didnt want the car at that point and they told me that I couldnt get out of the contract due to signing it. When they mailed me the title to the car, the bill of sale, title and legal documents were for a car that I didnt purchase. It took them months to finally get me the needed proper documentation to legally show Im owner of the property. I just need help refinancing. I dont feel it was within my constitutionally protected rights. I never agreed to be financed thru Santander. But the I was scared into believing when they said even if I broke the contract and ended it, I would still owe for the loan on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems has been reporting a fraudulent inaccurate account for {$510.00} to my credit bureaus, I have never done any business with them or their affiliates. This debt is not mine. This incorrect information is harming my credit, stop this at once.
Product: Checking or savings account

A transaction was made using my debit card at a XXXX XXXX in the amount of {$56.00}, on XX/XX/year> I reached out to chime and they canceled my card to issue me a new one and I submitted a claim. The next day XX/XX/year> my claim was denied with an email from chime saying they will send the reason for denial via email within XXXX business days, the first one only showed the intake form of me filing the claim and the second email was the same thing! It has been a week and the emails NEVER stated the reason for my claim being denied. Chime support is ignoring my emails and when I call on the phone they keep telling me the same things and im tired of explaining myself. I had money taken from my account and my claim is denied?? Not only that I had to wait for a whole new card and was late on my rent!
Product: Credit card or prepaid card

On XX/XX/XXXX I found out my CashApp Cash care was lost. I immediately blocked my card via the mobile App, ordered a replacement card, and found out there were 17 unauthorized transactions on my account totaling {$2000.00}. These charges occurred between XX/XX/XXXX and XX/XX/XXXX. 
I immediately contacted Customer Support through the App ( as there was no phone number to contact customer service ). The response was I will be receiving an email in 48 hours. I received an email same day XX/XX/XXXX at XXXX PST requesting additional information about my claim, which I responded to on XX/XX/XXXX at noon. 
On XX/XX/XXXX at XXXX PST I received an email from cashapp support, requesting additional information. I responded same day at XXXX. 
At XXXX of XX/XX/XXXX I received a response denying my claim. 
When I questioned how 17 fraudulent transactions with multiple Merchants could be investigated and concluded in 1 hour 17 minutes, I was told my account has been closed and that I can re-file a claim. 
I asked again, why my claim was denied, and the response was that Cashapp did not get a response from me in over a week. That is not true, because I just explained the timeline and Ive email thread, with time and date stamp. 
I know you cant investigate 17 unauthorized charges from numerous Merchants in 77 minutes!

I also bought 12 company stocks through cashapp mobile app. When I asked whatll happen with my stocks in a closed account situation, I was told to sell my stocks and cash out. It is illegal to force someone to sell their stocks against their will ; and this is what Square as an organization is doing. 
I have since re-filed the claim and cashapp hasnt responded. Thus, making me seek help alternatively.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX : XXXX XXXX Signature card opened. 
XX/XX/XXXX : Email re : XXXX XXXX XXXX XXXX my auto acceptance of a new binding arbitration agreement. 
XX/XX/XXXX : Around this time, my card info is stolen and unknown amounts were used at vendors like XXXX XXXX in Virginia ( XXXX in Massachusetts ). XXXX support and I were unable to resolve most of the charges since we couldnt establish when the card was stolen and how much I had already paid off in statement balances. 
XX/XX/XXXX : I am laid off from my job due to the XXXX pandemic. 
XX/XX/XXXX : I began a new job after being unemployed for over a year. 
XX/XX/XXXX : XXXX ( Rubin & Rothman ) attempted to garnish my wages but ultimately were denied. They also sent a court summons to my employer in the XXXX. 
XX/XX/XXXX : After spending years post-COVID, attempting to repair my credit and pay back debt I owed from before the pandemic : XXXX or Rubin & Rothman , LLC have been reporting inaccuracies to the credit bureaus in an attempt to harass and XXXX me into giving them money, like gangsters who cant use physical XXXX. 
XX/XX/XXXX- XXXX : Every single month since, they have reported inaccuracies. My prospect of buying a home keeps diminishing. I cant move out of the affordable housing apartment Ive been living in, having to pay more than the market rate because we cant move due to my poor credit but high income. I have also learned that they harass the office workers at my XXXX office location, in person by serving the company with papers or by calling incessantly. 

XX/XX/XXXX : I sent Rubin & Rothman , LLC a cease & desist letter under the FCRA and FDCPA. I asserted my rights and requested written confirmation of my letter to be sent back within 10 days, and they never replied. Instead, they went to my credit report and began reporting more inaccuracies, including how old the card account was. On Saturday, XX/XX/XXXX, they had altered the account from XXXX to appear on my report as just over XXXX XXXX XXXX and actively being charged off. They have manipulated my credit report for a year to make it seem like that credit card has been charged off for the first time every single month. Throughout all of this, I have received countless harassment calls to myself, my employer, colleagues, and at times, my family members. Its difficult to prove who is behind the calls, since the phone numbers are all spoofed or pre-recorded auto-dialer bots. Rubin & Rothman , LLC files lawsuits in multiple MA courts ( even multiple XXXX Divisions ), so it is difficult to track or keep a log of where they have open court cases still. XXXX or Rubin & Rothman report inaccuracies to my credit report every month. This ruins my credit ( lowering my FICO XXXX scores up to XXXX points at a time ). Every time I pay for subscriptions to the credit bureaus for help repairing this, XXXX and Rubin & Rothman , LLC will do it all over. Ive lived with this harassment for years now, and it has gotten worse over time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re  :    XXXX   XXXX   XXXX   XXXX    Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Product: Credit card or prepaid card

Discover card will not refund my account for fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAXXXX 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

On XX/XX/XXXX my checking account was debited {$260.00} by XXXX XXXX. I called Wells Fargo on XX/XX/XXXX and spoke to a customer service rep named XXXX and explained that this debit was not authorized because I didnt have a signed lease with XXXX XXXX and I didnt have the furniture in my possession and the store had canceled my order on XX/XX/XXXX per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used information from an old account I had in XXXX to debit my account for this {$260.00}. XXXX said he would escalate to fraud department and I would hear something back in XXXX days. 

I received a letter dated XX/XX/XXXX where Wells Fargo claimed they researched my inquiry and denied my claim because the charge was an authorized electronic payment. 

I dont know what research Wells Fargo did but I didnt authorize payment for furniture that I dont have when the furniture was picked out in XX/XX/XXXX. Why when the order was canceled did XXXX XXXX debit my account. Wells Fargo is wrong to do their customer this way. Wells Fargo should have charged this amount back to my checking account. I have tried several times to get XXXX XXXX to offer a refund but they said I have to go pick up the furniture.
Product: Credit reporting

We bought a car that had some issues that was not disclosed. My wife contacted a lawyer here in Texas and come to find out if you find where the vehicle is advertised at a lower price that you paid the company can be made to pay you XXXX times the difference. We kept the vehicle in an enclosed storage waiting for them to come get it. We went to an arbitration with them. They agreed to take the vehicle back with us owing nothing. Also they paid us well over {$20000.00}. We call them due to bad credit report and they tell us dispute and we will not respond. Well guess what 7 years later it is still there being 7 years old should be removed.
Product: Money transfer, virtual currency, or money service

On XXXX around XXXX my phone was stolen while I was in XXXX XXXX 

On XXXX XXXX around XXXX I spent over an hour on the phone with Chase requesting to freeze my accounts to protect myself. At this point XXXX was already sent out of my checking account. I informed them that my phone was stolen, and I did not authorize that transaction. After disputing the charge and being told my accounts were frozen, I finally felt some relief. 

However, on XXXX around XXXX there was a wire for XXXX sent from my account to a XXXX bank account. I was traveling without a phone, so when I landed in XXXX I went to a branch to dispute the fraudulent wire and reset my online banking info. Since then, Chase has denied my claim and refused to refund or take responsibility for their incompetence and negligence. 

If my account was frozen on XXXX as I requested, and was told, this would not have happened. I have requested the recording of the phone call, but they said I need a lawyer to subpoena them.
Product: Debt collection

Every other morning approximately XXXX XXXX Penn Credit Corp ( on the callerID ) has a robocaller dial my house land line. I answered the first couple calls to silence. I have NO outstanding debt or reason to be in collection. The following week I let the caller go to VM, the caller refused to leave a message. I blocked the calls on my phone but they still auto-call every other day, including weekends and holidays to disturb my residence. I have researched the phone number on the ID ( XXXX ) and see that EVERY report is a serious complaint. Go to XXXX Penn credit!!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX  XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balanced {$140.00} XXXX  XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX Balanced {$1500.00} XXXXXXXX XXXX  XXXX Balanced : {$8700.00} XXXX XXXX XXXX Balanced {$1500.00} XXXX XX/XX/year>
Product: Credit card or prepaid card

Citibank will be closing my account that I have never missed a payment on due to a Macys account that had to closed because I went on XXXX XXXX early during the Fall of 2018 and fell behind. I did my part and called Macys and was told I could get on an auto draft payment plan until balance is paid off. I had no idea that Macys was under Citibank. Macys statements do not indicate that they are under Citis umbrella. Citibank emailed me that my Citibank credit card would not be reissued because of a payment plan I had. The letter doesnt specify what account and I only have one Citibank credit card. I called customer service and talked to 3 people and they couldnt tell me account was on a payment plan and that they couldnt do anything. Mind you I have never missed any payments with Citibank.I had to ask for a supervisor and he couldnt tell me either then he mentioned that they have several umbrellas such as Home Depot and Best Buy. I had to go over what store credit accounts I have with the supervisor in order to find out it was my Macys account that is effecting my Citi card. Citi does not equip their reps with the info they need to assist their credit card consumers. Yet even though I have not missed any payments on either account and have paid on time Citi fails to care about their customers that pay on time. I practically spent my income tax return on making big payments on my accounts to work on my credit score and finally got it up to XXXX because I am trying to open my own XXXX. Once Citibank closes my account my score will drop again. This is unfair and a waste of money if Well paying consumers receive the same consequences as if they delinquent. Please help. Im just a single parent of XXXX  trying to make it on own my own and be financially responsible and stable to provide for my kids. This is not the time to penalize consumers during this pandemic. Like everyone else I have not been able to work and I still made sure that I paid both my Macys and Citi credit card and this is the way Citibank treats their loyal paying customers. I have attached my Citibank payment history and my auto draft history to Macys from my banks app along with Citibank letter. Thank you.
Product: Checking or savings account

I purchased an XXXX XXXX for the amount of {$1200.00} on XXXX XXXX. I was sent the link via email to access XXXX XXXX that same evening, however, I have not been able to access XXXX XXXX that I paid for. With that being said, I started reaching out to " XXXX  XXXX XXXX '' on XX/XX/XXXX and was told that there was nothing that they could do to help me. I requested a new link in order to access the course, as I did want the course. Because I paid for this course with my cashapp card, I started reaching out to cashapp via their app in order to get some kind of help in either getting a refund or forcing the company to send me a link that actually worked. Cashapp was contacted by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via their app. Cashapp was contacted by me on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Cashapp was contacted by me via email, where I submitted screenshots of what happens when I try to log on to " XXXX XXXXXXXX XXXX '', this was on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted my bank, XXXX XXXX regarding any kind of assistance they could provide, and they opened a dispute, and then sent correspondence that my refund request was denied, although I have not been able to access what I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach improperly stored and lost my identifying information. No idea how severe the impact.
Product: Mortgage

I Purchased a home XX/XX/2014 ... the title company I used for closing was suppose to record the title with XXXX XXXX XXXX XXXX. It is now XXXX and the title was never recorded. I was trying to refinance with my current lender for lower payments and rate, but due to the title company not having my title recorded my deal had to be rejected because they have been dragging their feet in recording my title. 
TITLE COMPANY : CAPITOL TITLEXXXX XXXX MD XXXXCONTACT : XXXX XXXXCONTACT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for XXXX days late and the last payment in XXXX which is not true and should be XXXX protected on a forward going basis per their agreement to me in writing. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the XXXX  years that they did not have me in XXXX XXXX protected status.
Product: Payday loan, title loan, personal loan, or advance loan

TOOK OUT SOLAR LOAN FOR XXXX - MOSIAC GAVE 12 MONTH PROMO PERIOD NO PAYMENTS - ON 11 MONTH PAID XXXX TOWARDS PRINCIPAL. MONTH LATER, MOSIAC CHARGED XXXX DEFERRED INTEREST FEE. LOAN AGREEMENT IS ESTIMATED TIME FRAME AS SAID NEED TO PAY IN FULL BY XX/XX/24. I FELT THIS IS UNNESSARILY HIGH OF CHARGE AS PAID MAJORITY OF BALANCE OFF DURING PERIOD AND WILLING TO PAY FULL BALANCE ONCE SAW CHARGE NEARLY 30 % OF REMAINING BALANCE ADDED TO TOTAL LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached report.
Product: Debt collection

I received a bill from a collection agency ( Wakefield and Associates, in TN. ) stating that I owe a bill from a doctor ( XXXX ) that I have never seen or heard of. I went to the hospital in question ( XXXX, XXXX NH. XXXX ) They have never heard of this doctor and certainly this dr. is not on staff there. In fact there are no doctors notes after checking with their medical records, as well with the the billing dept. They in fact have never had me in collections, and DO NOT USE THE COMPANY Wakefield and Associates for their collections. I have contacted Wakefield and Associates which still insists I owe this money and my credit is in jeopardy. I told them there is no XXXX, at XXXX in XXXX, NH, nor is there any records/notes of me seeing such a provider. I also told them to call the billing dept. at XXXX XXXX 's because I have never been in collections as well as the hospital does not use Wakefield and Assoc. for collections. I am sure this is a scam to collect monies that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Equifax report there are multiple unfamiliar inquiries ( XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX ) reporting on my account. Ive already sent in documents disputing these inquiries, and I received a response saying the inquiries were factual. In my defense, I responded with documents asking Equifax to immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry, in accordance with the Fair Credit Reporting Act. I also asked Equifax to provide me with a detailed review of the investigation that lead to the results of the inquires being deemed factual. They have failed to do so.
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied, when I checked my credit report I found 4 unauthorized accounts reporting on my report - US DEPT ED, - US DEPT ED, - XXXX XXXX XXXX, - XXXX XXXX XXXX. I'm not getting any help from any of these corporation for the information requested, also for the deletion of these account because they do not belong to me. 

Enclosed is a copy of the police report