23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since XX/XX/year>, I have reported my XXXXXXXX XXXX XXXX as lost five times, yet I have still not received a replacement. Despite multiple attempts to resolve this issue through customer service, I am consistently given vague responses without a clear path to ensure I receive my card. This has left me frustrated and concerned about the lack of accountability and resolution from your team. 

Each time, my request appears to be met with scripted answers and no actionable follow-up. There has been no acknowledgment of the repeated errors on the banks part, nor have I received any apologies for the prolonged inconvenience. Moreover, my attempts to escalate the matter to a manager have been met with disconnected calls and no callback or further assistance.

This experience has left me questioning the banks commitment to customer service and basic operational capability. I expect immediate intervention to resolve this issue and ensure a replacement card is delivered promptly. Additionally, I request written confirmation that my concerns are being escalated to senior management. 

I appreciate your urgent attention to this matter and look forward to a prompt and satisfactory resolution.
Product: Credit card

I am being constantly being harassment by Walmart on my XXXX credit card account. I need to report this to you to quit being harassed by them for payment since have already made arrangements with them to pay on my Walmart credit card account. Thank you for looking into this harassment charge against Walmart.
Product: Money transfer, virtual currency, or money service

Today at XXXX EST I received a phone call from a local area code. A robot named XXXX told me she was calling from a non profit company called Freedom Debt Relief and connected me with an agent. I asked him if they were indeed a non profit and he said no. I suggested they update their VRU and he ignored me, continuing with his sales script.
Product: Checking or savings account

I was XXXX in the XXXX XXXX XXXXXXXX from XXXX - XXXX. I opened my Navy Federal account at XXXX XXXX My checking accounts were closed because of the constant overdraft fees from the XXXX program. I've lost XXXX XXXX XXXX due to the overdraft fees that were levied every time a charge hit my card when overdrafted. I've paid the bank so much of my hard earned money and have now lost access to my Navy checking accounts I've had since XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by BMO Harris. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own credit score by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by BMO Harris that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX  ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX/XXXX  XXXX XXXX had added an inquiry to my report. On the morning of Monday, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, GLOBAL LENDING SERVICES, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA IS A FRAUDULENT ACCOUNT REPORTING ON MY XXXX CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.
Product: Credit card or prepaid card

XXXX purchased for a concert on XX/XX/XXXX, concert rescheduled for XX/XX/XXXX, contacted company ( XXXX XXXX ) for a refund-called to dispute charge at that time. Chase refused to refund disputed amount of {$510.00}. Event cancelled again and apparently rescheduled to XX/XX/XXXX, had tried to contact company because account through XXXX 's site was compromised. No tickets ever received, no communication from them with rescheduled date. Chase refuses to refund the money stating they have a XXXX dispute limit, even though I had called well within the time frame originally to dispute the charge ( XX/XX/XXXX ) Chase has poor customer service. Employees are rude and one working from home had a female laughing in the background. Disgusted by them!
Product: Debt collection

I made several contacts with XXXX XXXX XXXX XXXX to remove the charges that were occurred in my name as a result of identity theft with no luck it was then sent to collections and now it is derogatory on my credit score
Product: Student loan

I have student loans from about 15 years ago. They were set to go back into repayment in XXXX. I called Mohela in XXXX and explained that I am a full-time student enrolled at XXXX XXXX XXXX They stated they needed that information from my school to confirm my enrollment. My school updates student enrollment information to the XXXX XXXX XXXX every month. Mohela received that information at least twice between the time of that contact and XX/XX/XXXX when the first payment was due. On XX/XX/XXXX, I realized that my account showed I still owed the payment. I attempted to call Mohela and opted to receive a callback from their customer service. When they called back, my phone rang for exactly two seconds and went to voicemail before I could answer it. I went to their website and sent a message about the issue and also uploaded a document I received from my registrar confirming my enrollment. I never heard back from them. I am still getting communications from Mohela requesting payment and stating that my account is past due. They are currently servicing an additional loan for this semester in which I am currently enrolled but can't understand that I am a student who is currently enrolled. I don't even have the words to express how absurd this all is.
Product: Checking or savings account

I've been told by my financial institution that i must cover all overdrafts by XXXX each day to avoid overdraft fees, on XX/XX/XXXX @ XXXX i had a negative balance of {$2.00}, I transferred {$4.00} to bring my account out of negative by XXXX. In the morning XX/XX/XXXX i received an email stating i was overdraft {$96.00}. When i called to speak to a representative on why i went into overdraft i am being told that transaction are not finalized until XXXX. 
This practice is unfair and predatory as the bank always now can charge you fees between XXXX XXXX XXXX and XXXX with no way for the customer to cover said overdraft.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year> ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for several days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion & # XXXX XXXX XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit card

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Capital One Bank for Account Mismanagement Dear CFPB, On XX/XX/year>, I discovered that four of my five Capital One Bank credit card accounts had been closed when I attempted to make payments online. I immediately contacted Capital Ones fraud department, where I was informed that they had received correspondence from the credit reporting agencies stating that my credit card applications were fraudulent. 

I was shocked and stated that I had never made such a claim. I have had these accounts for years, and they have always been on automatic payments. On XX/XX/year>, I was instructed to submit a notarized letter confirming that these accounts were my responsibility. I was also required to provide a copy of my drivers license, Social Security card, and utility bill. 

I personally faxed all the requested documents from the Capital One branch at XXXX XXXX XXXX XXXX, TX, and I have confirmation that Capital One received them on XX/XX/year>, at XXXXXXXX XXXX 

On XX/XX/year>, I called Capital Ones fraud department to confirm receipt of the documents. I spoke with a fraud department supervisor, who stated that they had received them and that my case was under investigation. 

On XX/XX/year>, I followed up again and spoke with another fraud department supervisor, who stated that the process could take 115 days. I informed them that XXXX had confirmed my credit report was mishandled and that Capital One should have already received the updated and corrected information electronically. Despite this, I was told I would still have to wait 115 days for resolution. Additionally, I was informed that Capital One can not rely on my statement or documentation alonethey require direct communication or documents from the credit reporting agencies themselves. 

This delay is unacceptable, and despite my efforts, Capital One Bank has failed to resolve this issue in a timely manner. I am formally requesting the CFPB to investigate Capital Ones mishandling of my accounts and require them to reinstate my accounts immediately. 

The affected credit card accounts are as follows : Capital One XXXX XXXXXXXX Capital One Savor XXXX Capital One XXXX XXXX Capital One XXXX XXXX XXXXXXXX Capital One Quicksilver XXXX ( still active as of now ) I appreciate your urgent attention to this matter and request direct communication from Capital One regarding the resolution.
Product: Debt collection

Original debt was with Santander, they charged off the debt but did not provide me with a 1099-C. They in fact sold it to XXXX XXXX. Since Santander charged it off they would have received a profit loss tax credit without benefit of the 1099-C to me. I have not been able to obtain the form from them and feel that they are being fraudulent. XXXX is stating that the account was opened in XX/XX/year> when in fact Santander charged off the debt XXXX years ago. Since they wrote off the account, I no longer owe it per the above. 
Thank you XXXX XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX I attempted to send money to a friend via Chime. The receiving party instructed me to send the funds to their mobile number and that they would collect the funds by linking the number to an account or by accepting the funds to their XXXX XXXX. I sent the funds to the number I was given. The amount sent was {$230.00}. As soon as I sent the funds to the number I was given, the Chime app indicated that I had transferred funds to a different person. The intended recipient had a new mobile phone number and the number was obviously attached to the Chime account of whoever had the mobile number before, so the money was delivered to the account of someone I do not know and someone I didn't intend to send the funds to. I immediately called Chime to report the mistake and was told that they would open a dispute and took some information and that was it. I later received an email that the claim had been denied. I called Chime a second time and asked that they reopen the issue. They did and again denied my claim. I then called Chime a third time to ask that they reopen the claim and I again clarified that I am not disputing the transaction but that I made a mistake and need to recover funds that were sent in error. I informed them of the mistake within minutes of having originally sent the funds. I told them I made a mistake. I do not understand why they couldn't have helped me to recover the funds. They never even attempted to help me. I made a mistake and I want to recover these funds that I sent in error. If the bank made an error, they would recover their funds. Chime needs to do the right thing and assist me in recovering the funds I sent in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I continue to notice unauthorized accounts I gave no consent to be furnished. I've demanded the accounts be removed immediately, but Equifax continues to do false investigations. I've requested full file disclosure per my rights as a consumer. I only get a generic response that the accounts have been verified without insuring the information is accurate. This grave error has undermined my confidence in Equifax 's procedures, and as a result of this I will no longer be extending credit and if the information is not removed I no longer want my information reported in your companies database. Pursuant to 15 USC 1681 ( a ) ( 2 ) - Equifax is a powerless elaborate mechanism. This mishap that your company caused has ruined my reputation, and it adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role and assumed this information was valid which is a violation of my consumer rights. Pursuant to 15 USC 1681 ( a ) ( 4 ) - you did not insure the information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place.Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting, and failed to investigate whether or not it factually took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that Equifax clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In the event these accounts are not deleted within 10 days of receiving this complaint, I will be seeking litigation and damages of {$10000.00} per day these violations persist detailed in in my UCC1 Lien Notice filed with the Secretary of State. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting that i have a account with XXXX and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached GMC responded ( ( GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response. 
Our records indicate on XX/XX/2020, an application was submitted by XXXX XXXX XXXX on your behalf to GM Financial for a XXXX XXXX XXXX. Therefore, the credit inquiry you have disputed was permissible and will not be removed from your credit file. For additional information regarding the above credit inquiry, please contact the dealerships listed above. ) ) ) The complaint never argued whether or not the inquiries were done but stated that my rights as a consumer was violated because I as the consumer never consented to you providing my information to a third party. This report was published without my consent. Again, I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. If you are able to furnish proof of this consent to furnish my personal information- I would gladly review it. You have validated my rights and I demand removal from all platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have  2  accounts an d 3  credit inquiries listed on my   XXXX     XXXX   and Trans  Union  credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent :   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  . Further, please add the following personal information to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX , Position :   XXXX   XXXX   XXXX   XXXX  , Annual Salary : {$150000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX XXXX  DBA XXXX XXXX my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to equifax my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my Equifax Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.
Product: Debt collection

I spoke to the debt collector at XXXX XXXX XXXX and they told me I could send in a letter disputing the debt. I mailed the formal letter per her request on XX/XX/year>. They have been continually calling me since and they have not sent verification responding to the dispute which is illegal. I called XXXX XXXX XXXX  on XX/XX/year> and spoke to XXXX different people. None of them would answer me about whether they received my dispute letter. They just kept robotically repeating " this is an attempt to collect a debt... will you be paying the debt today? ... '' Furthermore, the gym that is trying to collect the debt never contacted me about collecting a new form of payment after my debit card was stolen/canceled.