23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have received a duplicate charge on my XXXX XXXX Credit Card. Barclay card has submitted me documents pertaining to the charge. I filled out all valid info and wrote detailed info as to why it was duplicated. I also showed what card they processed the refund on my contract. Barclay is telling me that they received my fax after the allowable time and will not process my dispute. They charged it back to my card and accrued higher interest adding to extra income on their side. I do not believe this is within the guidelines that a credit card company is suppose to act. I received the XXXX letter and submitted the documents via fax two days later. They advised it was after the 5 day period and ca n't process the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.
Product: Debt collection

I received a credit alert about a debt collection agency that i am not aware of. i lost my social security last year and so far so good i just got a new one. i don't have any idea of this phone bill and i never used XXXX   before. please help me investigate into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blitt and Gaines , P.C . sent me a collection notice in the mail about a debt I allegedly owe and on the collection letter it clearly states that they are a debt collector please see attachments. I responded to the collection disputing the alleged debt with a cease and desist of all collection activities and removal of all accounts from my consumer files along with Affidavit of truth. I submitted this dispute via certified mail as well as via email. they responded via email telling me to contact XXXX XXXX but XXXX XXXX is not reporting on my consumer file they are, and XXXX XXXX did not send me a collection notice they did. blitt and gaines claim i owe a debt but i do not because i never signed a contract with them they are committing fraud and pretending to be someone they are not, and they have several violations on their collection notice they have not furnished me anything that i have asked for in my attached documents. there are so many consumer law violations.
Product: Checking or savings account

my wells fargo account was fraudently used in california and i live in florida i filed a dispute with wells fargo and they told me charges were valid this is crazy basically i lost a XXXX $ and they dont seem to care
Product: Debt collection

I received notice from XXXX  XX/XX/XXXX that a collection was added to my account. I never received a validation of this debt and I do not believe it belongs on my credit report.
Product: Debt collection

Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to XXXX XXXX for {$9000.00}. Upon closer examination of the account, it said XXXX was collecting a Capitol One Credit Card balance for the aforementioned amount. I have never had a Capitol One Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a Capitol One Credit Card. Today I attempt to call XXXX XXXX directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a Capitol One, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.
Product: Credit reporting or other personal consumer reports

I pulled my credit report today and noticed that 1 of the accounts with XXXX XXXX XXXX is over 7 years old and needs to be removed off my credit report immediately. Below are the accounts that are over 7 years old. 

XXXX XXXX XXXX account # ( XXXX )
Product: Credit card

HI could I please get your Capital One Bank card fraud written policies and procedures. I called the fraud number listed on your website and could not get the information sent to my address. I prefer to submit my FTC Fraud Affidavit by register return receipt USPS mail. This way I have proof I submitted to your company. Sorry but I have found when resolving issues with Fraud charges over the phone produces no records for the consumer and creates further challengesof proving the charges are being disputed. Thank you
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ADDRESS PLEASE REMOVE THANK YOU. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting incorrect information to my credit report that is adverse. I tried contacting  XXXX  without success. I filed a complaint to the BBB and  XXXX  refuses to remove the information reporting to my credit report. They according to different departments said when I moved they canceled my service and charged an early termination fee that got paid and should not of. When we moved our services with  XXXX  the fiber optic line was damaged d own the road an d they had to splice the line. Since we have had terrible service and resided to cancel service due to lack of a clear picture on tv.  <P/> In our last place the picture was clear and believe the problem was in the repair. We had to spend the entire day waiting for  XXXX  to fix the problem. We could not leave or the tech would not complete the install.  XXXX  has there billing all incorrect and spending time on the phone for hours we figured it out. Each department will not communicate with each other to help resolve this. So in the mean time I am stuck with adverse information that is not correct and should not be on my credit report. I am stuck getting higher rates on loans because of  XXXX  mistake.  <P/> There address provided is  XXXX   XXXX   XXXX  NY  XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block.inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp 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 cause significant inconvenience and financial loss, and I seek appropriate redress.
Product: Mortgage

Our mortgage was sold to SPS by XXXX just a couple weeks before we were going to be closing on our short sale. We have been working with SPS since XXXX and initially they ran our request for short sale under the wrong terms so it was denied. After finding that out we had to resubmit all the paper work, by our short sale specialist, who called every week and asked how things were going was told they had all the necessary information and were waiting for a decision. At the end of XXXX they mailed us a letter saying that the terms from the second mortgage do not meet their requirements, which was never communicated to the short sale specialist any of the times she called. We were able to work with the second mortgage to get a different settlement term with them except that we need to close by XXXX which SPS has been aware of. We have had all the paperwork turned in since the beginning of XXXX and still have no answer from them. Every time you call it 's impossible to speak to a supervisor or manager and the " relationship manager '' they assign is a joke, the person never calls back and their extension always rolls over to the same people you were speaking with before. They have said they have " escalated the file '' and that 's all they can do when you ask to speak to their supervisor they say they can not do anything else. They put a " ticket '' in for the relationship manager '' to call you back but they have XXXX48 hours and that 's all they will do. I 've explained to them multiple times that we have to have an answer by the XXXX or we are going to lose this short sale and they could care less they say well it could take 30 days and there is nothing they can do besides " escalating '' the file. I feel like they are getting some sort of monetary kick back from someone to prolong this process. They are horrible. Please help us.
Product: Checking or savings account

Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. 

https : XXXX Ive lost years of interest on my two savings accounts with this company. Instead of rewarding their long time customers, they chose to use deceptive practices to lower rates while offering new similar products at the rates I expected my accounts to keep. There was zero communication about transaction of my type of savings account to a low ( kids ) rate account. I never consented the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX XXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX XXXX$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXXThis Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, Experian, and XXXX in a timely manner** Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I made a transfer to another account, since a person let me transfer to another person
Product: Credit reporting or other personal consumer reports

My account with XXXX AND DPT EDXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND DPT EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

XXXX 2021 I received my tax refund if I withdraw my tax refund I shouldn't be left with an {$160.00} negative balance from a online bank account like this For YEARS Chime Close My Account After Being An Account Holder For YEARS After That I Started Receiving Chime Emails Still Not Able To Get In the account But A monthly Statement saying My Checking Account Has An XXXX balance But savings with XXXX cent This Is a Scam To Me Chime Needs To Do Better
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

This is additional information for case # XXXX, which I filed last month. 
Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.
Product: Mortgage

On XXXX XXXX I made my current monthly payment on My Ally bank home equity loan electronically as I usually do. On around XX/XX/XXXX I received collection notices in the mail indicating that I was in default of my loan. I immediately went to my bank account and to my account with the Ally.to check for payment activity and could not find records of the payment. Unfortunately I did not record the confirmation number when I made the payment. On XX/XX/XXXX I called Ally bank to inquire of this payment. The person assisting me spent quite a bit of time researching but could not find a record of the payment. At this point I assumed that I had made an error when posting the payment and agreed with the company rep to make that payment which was from my XX/XX/XXXX payment, My current payment which was for My XX/XX/XXXX payment and my next payment for my XX/XX/XXXX payment. I received and recorded a confirmation number from Ally for this payment and was assured that all was OK. On XX/XX/XXXX I again received debt collection letters from Ally stating I was in default of my account. I again called in and after considerable wait on the phone I was told that they could see the payment activity and discussions in my account record but could not determine where the payment went. ( this payment was not taken from my bank account either ). Once again we agreed to make the same transaction for three months of payments. Again I received a confirmation number and was assured all was okay. On XX/XX/XXXX I again received mail from Ally saying I was in default on my loan. I checked my bank account and the payment had not been withdrawn. I called Ally again on XX/XX/XXXX and after the same routine and extensive wait times I was told that for some reason due to the type of loan that the payment was put in " suspense ''. Again we agreed to make the payment making my account not only current but paid in advance. Again I received a confirmation number and was assured all was Okay. On XX/XX/XXXX the full payment was withdrawn from my bank account. I went to my Ally account online and found that the payment was still being listed as past due and in default. On XX/XX/XXXX I received an email notice from my bank that my XXXX score had been reduced due to negative credit reporting by Ally Bank. On XX/XX/XXXX I checked my Ally account on line and found that the payments had finally been credited and the account was up to date. Everyone I spoke with at Ally was helpful and assured me that all was Okay. It is not okay that my credit record is being negatively effected my credit record due to internal issues at Ally bank and no fault of my own.
Product: Student loan

Hello, I was enrolled in XXXX college back in XX/XX/2015 then it suddenly closed. I applied twice to get my loans forgiven from navient since I meet all the criteria to do so. Both times Ive got denied and continue getting billed for a degree I did not receive. Ive called multiple times, customer service is horrible and did not help at all they rudely continue to say I need to pay on the loans regardless of my situation. I know I do not have to pay, not a XXXX!
Product: Debt or credit management

The company 's name is Debt Blue. I discontinued with their services, because I could not afford to continue. it was time for my monthly submission, I decided to disconnect, because I learned that one of my accounts had not been paid, despite me having a balance in my account with them, and my credit score kept decreasing. I requested my account to be closed, and I was sent a form to complete for reimbursement. 
Now I received information that I had no balance. I did have a balance.
Product: Money transfer, virtual currency, or money service

I am filing 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 proce 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 5,304 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I unsubscribed from Credit karma emailing list but I keep getting emails from them.
Product: Credit reporting or other personal consumer reports

I sent the attached letter to equifax to dispute my bankruptcy. They have sent stall letters and a letter claiming my identification was not legible. I sent it back but still havent received a Responce. I demand immediate removal of my bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Student loan

I contacted XXXX Servicing to help them track my Public Service Loan Forgiveness, and was informed was informed that I should transfer my government loans from XXXX to XXXX. The transfer was recorded on XX/XX/XXXX. I uploaded the previous document payments made to XXXX to submit them for counting towards my PSLF payments. Over the next several months I checked the website and made several calls to customer service in regards to that they were not tracking my PSLF nor taking off the 73 qualifying previous payments from XXXX. All the calls I made took over an hour with no changes in my account. The reps would tell me that I needed to wait another 30 or 60 days for them to review my files. Then I started documenting calls. 
XX/XX/XXXX Spoke with XXXX agent number XXXX and was told that I had to request for them to take off the " pay it ahead '' status. I did, and XXXX told me to call back. 
XX/XX/XXXX I called back and asked to speak with a borrower serving advocate and was connected to XXXX agent number XXXX at extension XXXX. She told me not to worry and that after reviewing my previous payments that I everything would be " fine '' and I should call her back in 45 days and my account would be updated to reflect all of my payments were eligible for PSLF. 
XX/XX/XXXX Called and spoke with XXXX again and she told me she did not know why my account and would call me back in 2 days XX/XX/XXXX called XXXX back as she did not return my call. Left her a voice mail XX/XX/XXXX XXXX left me a VM reporting that she was still working on the case and that she would call me in a few days. 
XX/XX/XXXX XXXX left me a voicemail ensuring me that she was making progress on my case and that she would call me on XX/XX/XXXX if not sooner.
Product: Credit card or prepaid card

On XX/XX/2023, I received a letter from Citi Fraud Prevention that my Costco Citi card and Citibank checking accounts are being closed. 
The reason given was " Based on recent activity of your regular checking account, we found that you have violated the terms of your account per the client manual. '' No other explanation has been given to me. 
I have not been involved in any fraudulent activity. I have no idea what they are referring to and they refuse to disclose any info. I called the Fraud Dept and they did not disclose any information.