23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a claim on XX/XX/XXXX ( Card Benefit Services Claim XXXX ) for travel interruption/cancelation because I had to cancel the return flight booked with Chase Sapphire Reserve because my mother got sick on same day and admitted to emergency. I had to postpone my return and later rebook a week later. I filed claim with chase and sent in everything they asked including the claim form, the original round trip, the canceled one and the final flight and a letter from doctor. After 2 weeks, they replied back saying I should send this and that and they are all same thing I sent/emailed them 2 weeks ago. So I called on XX/XX/XXXX. and they said I should speak to a claim examiner and they are not available to talk and I should just wait for some calls or replies, On XX/XX/XXXX, Someone who introduced herself as XXXX , called me and told me they received everything BUT that XXXX XXXX paid for my return flight on XXXX XXXX . She says XXXX gave me XXXX XXXX points and {$88.00} first and I used those to book the return flight. I was like what? What 's this nonsense about XXXX booked my return flight on XXXX and XXXX gave me XXXX points and {$88.00} to book my return flight on XXXX? I have my own XXXX XXXX frequent flyer account and used my own XXXX XXXX points plus tax for XXXX people to book return flight from XXXX. You can see that in the email too.She Just made up a lie as an excuse to deny the claim. The original round trip was booked with my Chase credit card points on XXXX XXXX. I could n't return on return date due to emergency issue with my mother and XXXX XXXX would n't re-book my return flight. So I had purchase a new flight tickets on XXXX XXXX using my XXXX XXXX XXXX avios points & {$88.00} plus in taxes. I have sent you guys EVERYTHING, all the original flights, canceled flight and my return flight and how they are paid. The rep XXXX just lied by saying XXXX told her I was re-booked by XXXX on XXXX flight and that XXXX paid the return flight for me. I told her stop talking nonsense and read all the docs I emailed them including how I paid for the XXXX flight with my own XXXX airways points and {$88.00} tax. I told her bring on the XXXX rep on phone that told you they re-booked the return and paid for my return flight. She put me on hold for 30 mins or longer and did n't bring XXXX rep and disconnected the phone line. When I called back, it was another rep who told me " I can appeal my claim ''. The benefit dept is playing game, being dishonest and engaging in dishonest and deceptive practice and even lying to ignore or deny my claim.
Product: Debt collection

I have written to Wakefield and associates requesting validation and to cease contact until I have received validation of the alleged debt. I sent this letter certified mail which they received on XX/XX/2018. XXXX from Wakefield and associates called today to attempt to collect on the alleged debt. He tried to offer me a settlement amount and or payment plan. I notified him of the letter that was sent. He acknowledged that they did receive the letter and continued to try and collect the said debt. At this time I notified him that he was violating my rights as a consumer and to please send any further communication via mail and then terminated the phone call
Product: Money transfer, virtual currency, or money service

Account set up with Coinbase - money taken very swiftly from a debit card. 

As soon as I wanted to cash out and close my account I have had to authenticate my account using a SEPA transfer of XXXX Euros. 

However even though they have sent an automated email to say they have received my deposit it is still not allowing me to withdraw funds and keep wanting me to authenticate my account. 

In total I have XXXX sitting in account which looks like I might not get back. Thank heaven I did not put more in It seems that there is no response for emails, no telephone number and no way of contacting these people.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance XXXX, XXXXXXXX XXXX XXXX balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Product: Credit card or prepaid card

On XXXX 14,2020, my LLBean MasterCard on Citi Bank was declined for a local hardware store purchase. I phoned the customer service on the back of my credit card and was told the card was declined because I had missed a payment. I replied that I never saw a statement. It turned out that, on XXXX XXXX, 2020, someone ( s ) had enrolled me in " paperless online billing '' using all my personal data -- likely including SS number, credit card number and 3-digit number on the back, etc. -- to bypass any alerts that the card company may have used to alert me to the illicit charges to my account. My actual credit card was not stolen and I had only used it in that period for local, trusted services. To enroll my account in on-line paperless billing, the thieves created a phony profile of me that included phony phone number, email address, passwords, etc., so that, although MC attempted to call me to verify these unusual charges, there was never any answer at the phony number listed on my profile. I have talked at length with Citi LLBeanMC customer service and security ops at Citi Mastercard and determined that the bulk of the nearly {$10000.00} in charges were for purchases through XXXX out of XXXX XXXX. There were other charges as well ( they opened a XXXX account, several charges to XXXX.XXXX, XXXX in Arizona, etc. ). There were a total of 31 illicit charges to my MasterCard account totalling {$9500.00}. Citi Mastercard has been very helpful in resolving these charges, but I am reporting this incident to make others aware that this sort of crime is taking place. It makes sense that credit card companies put in place more two-factor authentication measures than what seemed to exist in this instance.
Product: Credit reporting

I have never solicites crdito with XXXX for a XXXX auto loan. If this was XXXX On My name it was n't me. Please erase this from My account or credit report.
Product: Debt collection

This debt for {$240.00} just hit my credit report and i have NO IDEA what it is for! it mentions a loan business that i used once in XXXX, Oregon about 4 years ago!!! if i owed them some money ( which i do not! ) i would be happy to pay it off ( If they called me! ). I received 0 phone calls, 0 emails, and 0 letters to attempt to collect any debt from myself! I have called the loan place i referred to " XXXX XXXX XXXX XXXX '' and after a search of all my data including SSN they say i do not owe anything. This says the original bill is from " XXXX XXXX XXXX '' which i have never heard of and can not find on XXXX. It says account opened on XX/XX/2018 AGAIN! i have no idea what this is! i am reporting FRAUD unless someone calls me and explains! they will not answer the phone number that is on the credit report! REMOVE FROM MY REPORT FOR FRAUD AS OF NOW! call me XXXX and prove the debt is mine and i will pay! if not i will fight this legally!
Product: Credit reporting or other personal consumer reports

After 15 years of making my mortgage payment to XXXX XXXX XXXX XXXX XXXX or about XX/XX/XXXX Fay Servicing assumed the servicing for my loan. At this time, I had just lost both my mother ( XX/XX/XXXX ) and father ( XX/XX/XXXX ), so I was a bit upside down in my life. Im sure flying back and forth to XXXX XXXX ( XXXX flights ) times in 18 months while XXXX XXXX XXXXXXXX to fly didnt help my mental state. In XXXX I refinanced and soon after sold and moved to a new area of XXXX. At no time was I advised of any issue on my Credit Report that affected my ability to obtain financing and/or receive a favorable rate. However, my life has taken a turn and Im selling my home to travel in a trailer. However, Ive been told that if I had a XXXX XXXX XXXX my rate and app process would vastly improve. But Im told the ONE AND ONLY item on my Credit Report that is preventing this from happening is a single 30 day late reported by Fay Servicing in XX/XX/XXXX. Just the XXXX month since the change so it can easily be explained why I may have missed the payment. Is there NO forgiveness? XXXX XXXX XXXX XXXX and paying a mortgage since XXXX, and I cant believe just ONE 30 day late would result in such harm to my credit ; especially XXXX years later. I also cant believe that after doing some XXXX searches on Fay Servicing, I have to ask, how and why is a company permitted to place negative notes on a credit file, when they themselves have been investigated for Overcharging Late Fees and PMI payments. In fact, after they reported my 30 day late, they sent me a check for over {$240.00} due OVERCHARGING. All I am asking is for one forgiveness. Why is this permitted to happen. Everyone should get at least one forgiveness, if not one per year. Life happens and the punishment seems extreme.
Product: Payday loan, title loan, personal loan, or advance loan

I opened multiple installment loans with Possible and was never 30 days late based on each due date for the installment loan ; however, Possible marked a total of XXXX loans 30 days late. 

Loan # XXXX opened on XX/XX/XXXX XXXX marked as 30 days late, but the loan was not past due 30 days from installment due date or Possible automatically rescheduled the payment date without penalty. 

Loan # XXXX opened on XX/XX/XXXX Transaction number : XXXX XXXX and XXXX marked as 30 days late, but the loan was not past due 30 days from installment due date or Possible automatically rescheduled the payment date without penalty. 

Loan # XXXX open on XX/XX/XXXX Transaction number : XXXX XXXX and XXXX marked as 30 days late, but the loan was not past due 30 days from installment due date or Possible automatically rescheduled the payment date without penalty.
Product: Bank account or service

There has been over {$10000.00} in suspicious activity on a joint checking account I have with my mother. My mother is the primary account holder and she did not authorize any of the fraudulent activity. Many of these charges were made when she was alone and getting ill. I have no knowledge of these ACH, debit and credit transactions. The purchases varied in nature but many of them follow a pattern very consistent with fraudulent activity. Some of the transactions were for mail order goods billed directly to the account, some on an ongoing basis, but for goods never received at her address or mine. Most of the transactions were also completely inconsistent with my mother 's spending patterns over time. I do not use the account regularly and these purchases are also inconsistent with anything I have ever purchased.     I filed a complaint wit h Capital One  Bank about the fraudulent activity. They did issue complaint case numbers and supposedly investigated, however, the results of that investigation have not been meaningful or even minimally transparent. Their lack of real assistance in this matter leads me to believe they provide no real protection to their customers, especially those who may be particularly vulnerable to this type of fraud. She is on a fixed income with few financial resources. The failure of  Capital One  to conduct a thorough, transparent investigation and meaningful resolution is extremely frustrating.     Please help us get a resolution to this unauthorized activity with, hopefully, at least a partial credit of the funds. Although she has since had  a Conservator  appointed, he has no knowledge of these transactions and so can not provide any meaningful assistance. Thus, I am hopeful that CFPB can. ( Please note that I have put my home address on this complaint but her address with  Capital One a t the time was in Virginia. )
Product: Credit reporting or other personal consumer reports

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX 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 Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has stated they sold account to XXXX XXXX and XXXX they have not sent a 1099C which is required if they written the debt off. I have been requesting documents for months. They are still reporting if they written debt off it should not show on my credit report by the laws of FCRA
Product: Credit card or prepaid card

On XXXX XXXXXXXX XXXX XXXX charges were made to my account with US Direct Bank which I use to get social security payments. The amount was approximately {$530.00} as discovered by a customer service agent and myself. Also, XX/XX/2022, my card was used fraudently, again which was over {$1200.00}. I contacted customer service again, after being on hold for over an hour. The customer service agent gave me a list of charges and the dates. I was asked to submit a letter to US Direct Bank Fraud Dept. by XX/XX/2022 which I did, by fax to the number provided by the customer service agent. The letter included the dates given for the fraudulent charges and the amounts. I was given a case number. I contacted US Direct Bank the same day as I faxed the information to make sure the documents were received and they were. I was told by the customer service agent the process could take between 30-90 days for the investigation to be completed and I would be contacted by US Direct Bank by phone or mail. 
To this date I have not received either! Fast forward to XX/XX/2022, I was to receive my regular social security deposit. It was deposited and taken out which left me a negative {$450.00}!! I do not know what is going on. I've attempted to contact US Direct Bank again and no call rolls to a busy signal and hangs up!!!! I've been trying to call them since XX/XX/2022 and the hold times are ridicilous!! I finally got through on XX/XX/2022 and was hung up on by an agent. I am seeking the return of my money from XXXX, XXXX and XXXX. This has caused a lot of un-needed stress because US Direct Bank does not uphold their agreement. I've contacted social security agency and no one can do anything because US Direct Bank is a third party agency. I filed a complaint with the XXXX XXXX XXXX  XX/XX/2022 and discovered a list of over 100 complaints by others using this company. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute on XX/XX/XXXX and never received a response of any contact in regards to that dispute which involved Chex system reporting an unauthorized account on my report from XXXX XXXX XXXX XXXX. They ignored my first dispute so I submitted another one online as well a complaint with the CFPB in regards to this matter. I am a victim of identity theft which I explain to the company already and well submitted a FTC report. this company is cause me tremendous stress due to the fact their letting a unauthorized account that is fraudulent report to my report after explaining and taken the proper procedures to let them know I am a victim of identity theft. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX company data breach. I also lost my wallet with all my person information in it. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will also seek litigation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if this this account is not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was able to have direct deposit but I am not allowed to transfer money from my bank PNC to the XXXX XXXX. Ive talk to my bank and the app. Each keep blaming each other
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$3500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2018 at XXXX XXXX - I was finally able to get this Debt Collector, XXXX, on the phone. I had to XXXX this phone number to find out information on this company and it appears that the name of the company connect to this number is Account Discovery Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, https :  //accountdiscoverysystems.com/contact/. They were very rude to me on the phone. I asked them to send me information on this debt in the mail along with a validation of this debt as I no longer have this Kia Sportage they referenced in their voicemail message and that XXXX XXXX XXXX XXXX XXXX XXXX had recently sent me a check for about {$40.00} in the mail recently regarding this account. They claimed that they were not representing XXXX but another third-party collection agency. This left me confused. They also refused to send me anything in writing regarding what they claimed I owe. They said that I was refusing to pay a debt I owe because I was asking for information on a debt that they claim I owe to a third party that is not even XXXX whom had recently sent me a check and for which I have the legal right to request information. They also threatened me with legal action since they said that I am refusing to pay a debt that I don't have any information about. As far as I am concerned my business with XXXX should be completed with the sending of this check in the mail to me. Their refusal to send me any information in writing regarding this debt that they claim I owe, their refusal to send me a validation of this debt are all business practices that goes against the Fair Debt Collection Practices Act. Also a quick XXXX search of this number reveals that this company has been sued multiple times and has had several complaints placed against them for unfair debt collection practices : https : XXXX, https : XXXX XXXX & XXXX & XXXX & XXXX & XXXX, https : XXXX, https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX ... XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are even XXXX XXXX dedicated to this company due to all of the complaints and lawsuits that have been files against it : https : XXXX. Please help me to resolve this issue with this horrible company and let them I do have the legal right to ask for information in writing, I do have the legal right to request validation of the debt that they claim that I owe, not to them and not to XXXX but to some other third party. Thank you.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically.