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

On XX/XX/XXXX, I informed the Social Security Administration, that I am ready to collect my retirement money. On XXXX of XXXX a representative called me to confirm how I want to receive the retirement fund from the SSS, I have decided to receive my money thru a visa debit card by Comerica Bank, as I thought I would have easy access rather than my out of state bank. I understand I would start to receive my funds on XXXX one month later of my start retirement. 

The first transaction I used with my issued debit card was on XX/XX/XXXX from a merchant named XXXX XXXX XXXX which amounted into {$81.00} after making the first transaction I thought it was a scammer store so I have to call the card center and told them to stop payment on the card. The customer service told me to cut my card and stop using it, which I did but the payment went thru, and I did received the merchandise as well. from that experience, I learned that I have to pay {$13.00} to have my card sent thru XXXX. and also pay {$3.00} to replace the card. I also understand that I have to pay a fee if I will use ATM machine that are not network member. 

I am going to continue relating the transaction of the issued debit card by Comerica bank. On XXXX XXXX I did an ATM withdrawal from an ATM having a VISA logo to determine it was network member but I was charged {$2.00} on that transaction. on XX/XX/XXXX I made a purchase from XXXX XXXX XXXX market. of 1 {$110.00} On this day XX/XX/XXXX I have decided to take all my money out from this institution, so I made a withdrawal of {$3000.00} at XXXX and was charged {$4.00} total for the three withdrawals. On XX/XX/XXXX, I made an online purchase of items from XXXX XXXX of {$160.00} and another on line purchase from XXXX XXXX of {$100.00} this was the last transaction I have made from my Debit card. On XX/XX/XXXX there was a note from the debit provider of Debit Adjustment of {$270.00} I called and asked about it, but their answer was they are going to look at it and to stop using my card, at the same time they will send me a questionaire of fraud form to fill up so they can investigate what happened, in addition they told me I will recieve it in a few days. 
I never recieved anything from them but at least three times another new card issued to me. which means {$3.00} per new card. 

I called the Direct Express Fraud services department to relate to them about my demise, they have sent me some paperwork to fill up and signed and send back to them on XXXX XXXX. Until now I have not heard anything from them.
Product: Mortgage

Happy XXXX XXXX. I own a rental property in XXXX XXXX that suffered considerable water damage and received a {$10000.00} check for repairs from my insurance company. It was assigned to me and my mortgage company, New Rez. It had to be endorsed byNew Rez. They received the check ( which was endorsed ) on XXXX. I phoned New Rez to find outwhat theprocedure was. They sent me a form letter stating funds over {$40000.00} are held in an escrow account, under {$40000.00}, the check was sent to the owner. New Rez referred me to XXXX XXXX XXXX at Shellpoint Mortgage Servicing. I called on XXXX, XXXX, XXXX, XXXX, and left messages, no reply. I finally talked to XXXX XXXX who assured me that I would get all the information I needed. Never heard from her again, ever. 
I emailed XXXX XXXX at that office XXXX, XXXX, XXXX. No response. I finally got a hold of another assessor by the name of XXXX XXXX, on XXXX, who told me that the cheque was deposited to their account in my name., but wasn't released because they did not have a copy of the field adjusters report. They never asked for one, either from me or the insurance company. I sent them the report that day, and it was acknowledged. Never Heard from anyone again
Product: Checking or savings account

On XX/XX/year> at XXXX I went to Chase Bank XXXX XXXX XXXX Minnesota I asked the teller she was a XXXX XXXX XXXX XXXX. If I could put a deposit into this account XXXXXXXX XXXX XXXX Account XXXX Chase Bank : Chase Bank XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX This is not my acct it is the account That I put {$110000.00} dollars in since he had told me that he had found us a home we had to but it under name so his ex-wife wouldn't now I was moving there I really believe in this guy like 125 % believed in him if you heard all things he told me you would of believed in him too I know now I was a big XXXX to believe in him and I will never believe anyone on the net again I really need my money back so I can take him to the cleaners please help me!!
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Citi Prestige credit card with an offer for XXXX points for spending {$7500.00} in 3 months. 

I have met the spending in the required time. 
As of XX/XX/XXXX I have not received the XXXX points. 

I contacted customer service on XX/XX/XXXX. I was told I could not get the bonus because I have already had this card within the last 2 years. 
However I never had this card before.
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXXXXXX I made a purchase on the XXXXXXXX XXXX XXXX  website. I was encouraged to open a credit card to save money. I opened the card with Comenity bank and then paid it off. They claimed it wasn't paid and charged a bunch of fees. I used the card once more in XXXXXXXX XXXX XXXXXXXX. I didn't receive the bill until months later with interest and late fees. I have since spent hours on end on the phone with the company. Every time I try to pay it off and the following month get told I owe even more. I received letters stating that it was paid off only to then be called and told I owe another {$110.00} dollars. They call my home 10 times a day and hang up when I answer. I have never had these types of problems with any other creditor. I just want this to end. I don't know what to do. Every time I call the company it only seems to get worse. It has been a nightmare!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to set up a FCRA credit freeze with Transunion by going to their web site https : //www.transunion.com/credit-freeze, which directed me to a form at XXXX XXXX XXXX XXXX repeatedly filling in this form, even using different web browsers, failed, with an error page coming up asking me to contact the company. 

( The exact message was : " We are sorry, but we are unable to fulfill your request at this time. If the problem persists, please contact our Website Access Support team at XXXX '' ; I have attached a screenshot of this page. ) I had no difficulty helping my wife fill in the same form and get her credit frozen, so it appeared to be something wrong on Transunion 's end. I called the phone number at about XXXX on Thursday, XX/XX/2018 and got a completely unhelpful person who told me to do things like clearing my browser cache and to try another browser ( which I already had done. ) I then asked to speak to their supervisor, which they initially resisted doing until I insisted repeatedly. 

Around XXXX I was finally transferred to " XXXX '' ( who later told me his employee ID was XXXX and otherwise wouldn't give me any information about himself. ) XXXX told me that he had no access to any sort of tech support people and was basically unable to assist me further. He informed me that I could try sending a screenshot of the failure page to XXXX but he couldn't say whether or not this would result in anything positive occurring. 

He suggested I could also try using the Transunion credit freeze app. I immediately brought up the web page describing it on XXXX 's XXXX store. The app has a rating of 1.6 of 5 stars, and has descriptions from users like this : " Doesnt work Would be nice if this app actually worked. I downloaded it almost three weeks ago and it still says the service is unavailable and to check back later. I even called the number listed in the app and I got some customer service office overseas and they told me I wasnt even signed up. When I go through the signup process it tells me Im already signed up. From what I can tell a lot of users are having the same issue and no response from Transunion. '' See : XXXX XXXX XXXX XXXX XXXX XXXX Having read those descriptions, I then declined to download the app, since it looked like it would not be particularly productive. 

He then offered to transfer me to Transunion 's " Consumer Relations ''  department at XXXX XXXX XXXX for them to check if anything was wrong with my account that had been preventing me from using the credit freeze page. I allowed myself to be transferred to that department, which around XXXX indicated nothing was wrong with my account. They had little more to offer in the way of help, though they did suggest I could call another department that handled credit monitoring. Having spent most of an hour on the phone, I decided it might be a good idea to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am to believe that certain cc companies like XXXX and Bank of America are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.
Product: Credit reporting

I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 SYNCB/TJX CO Date : XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  an inquiry was put in my TransUnion report from XXXX XXXX. I never applied for a credit card from this company and would like it removed
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their response to a complaint and their credit reporting practices. I believe that PRA has not adhered to proper verification procedures as required by law and has reported inaccurate information to credit reporting agencies. 

Verification Procedures Issue : In response to a complaint, PRA stated that they had verified the accuracy of the information they furnished to consumer reporting agencies, but their response lacks transparency and does not clearly explain their verification process. They have not provided an affirmative averment of truth, as required by legal standards. Additionally, they did not detail the steps taken to verify the accuracy of the allegations in question. This lack of transparency raises concerns about the validity of their verification process. 

Inaccurate Reporting of Balance : PRA claims that the balance owed on the account is {$1000.00} ; however, they are reporting to credit reporting companies that the balance is {$1000.00}. This discrepancy of {$0.00} is significant and constitutes inaccurate reporting, which has had a detrimental and negative impact on my creditworthiness. I request that this inaccurate reporting be rectified and the record is removed from the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive pulled my credit report and the account with XXXX XXXX Acct XXXX XXXX XXXX TransUnion XXXX XXXX and with XXXX Acct # XXXX its showing a late payment in the month of XXXX of 2022 which is illegal and violation. According to 15 USC 1666B 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. I did not receive any type of notification at all.
Product: Money transfer, virtual currency, or money service

I was a Coinbase customer for months, during which time I transacted tens of thousands in cryptocurrency exchanges, until one day I received a message that I had violated the terms of service and my account was immediately closed. I had no way to appeal this decision, or even learn of what my alleged violation of the terms of service were. Since this immediate severance of my account, I have tried to message Coinbase to learn the reasoning for the termination of my account, and to try and lodge an appeal so that my account could be considered for reinstatement. Instead, my requests for information and appeal of their decision have gone ignored without explanation.
Product: Debt collection

Since XXXX i have been battling with 3 companies which i believe to be the same reporting bureaus. They are reporting closed paid off accounts information to the 3 major reporting agencies. 1. Syndicated Office System 2. XXXX XXXX XXXX 3. Central Financial Control All three parties are reporting multiple accounts which they are also reporting them as duplicate on my credit report showing {$550.00} 3 same account # also {$150.00} 3 same account # also {$750.00} 3 same account #. And they also added the totals and created an account adding all the totals together. I tryed contacting the three parties to please remove accounts or provide information and received nothing and it is still showing on my credit report.
Product: Student loan

In XXXX, XXXX XXXX, a XXXX vendor, accused me of a late payment and attempted to charge me fees. It was only when I contacted the XXXX in that state XXXX admitted their error and relented. Now, Navient has accused me of missing a payment, even though I have bank records showing that the payment in question was made in XXXX ( although not due until XXXX XXXX ). I have submitted documents to the XXXX office once again, but I want some explanation as to why this continues to happen without any cause. I posited to the attorney general 's office that it might be a rather obvious attempt to " steal '' from individuals. Regardless, there must be some reason ; I do not feel I am the only victim here.
Product: Debt collection

I received a mailing notification dated XX/XX/XXXX, stating that I have an outstanding auto debt of {$8.00}, XXXX from XX/XX/XXXX. I have no outstanding auto debt and my credit report backs this up. The letter states that I can dispute this debt 1 of 3 ways. To call them, write them a letter, or notify them electronically. 

I called on XX/XX/XXXX @ XXXX and after holding for a little while, I was automatically transferred to a voicemail and asked to leave a message. I left a detailed message including the reference number listed on this letter, my full name, and return phone call. No one has called me back. If they say they made an attempt, that is false because I have had no voicemails left either. 

After no response, I went to their electronic option at www.syncomcorp.net/company/contact us and filled out their dispute section there. This was done on XX/XX/XXXX @ XXXX. It is XX/XX/XXXX, and I have not received any outreach from this creditor. 

There is a statement on this letter that says Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. ( I dispute it all ). If you do not, we will assume that our information is correct. Well, I have tried 2 of the ways this company says to dispute this debt and no one from this organization has reached back out to me. I do not want this showing up on my credit report and this debt collector accusing me of not responding or disputing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX  : XXXX, XXXX  XXXX  : XXXX, XXXX  XXXX 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 own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 )  XXXX XXXX Finance Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} XXXX Remove Account ) 15 ) XXXX XXXX   XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX gave my Mortgage account to Shellpoint to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time XXXX  XXXX XXXX gives to Shellpoint ( 2x now since XXXX ). Shellpoint puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. Shellpoint blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX XXXX  XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard inquiry on my credit report that was n't authorized by me. I believe it was for a Pay Pal account but I 'm not sure
Product: Credit card

In looking to purchase items from Bestbuy.com, I was offered 0 % financing immediately if signed up for a BestBuy credit card backed by Citibank. I filled out the application, called for verification, application was approved and I was told that I could check out online immediately and the goods would be shipped to me. I completed an order for {$3600.00}. Two days later, I was notified that I could not purchase the goods until I recieved my card in the mail. This was deceptive advertising meant to reel people in with a good financing deal, lying that it would apply immediately when in fact, I was told by Citibank that this was not possible. I 've since cancelled my card and my orders, but my credit has been perminantly impacted by the application process and am told I can not apply for another Citi-backed card for 6 months or a year. The losses include the actual interest on the products, as I no longer qualify for 24 months of 0 % financing, as promised online.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX  Account Number : XXXX TransUnion / Experian XXXX XXXX XXXX Account Number : XXXX TransUnion/ Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

This is incorrect and not mine, I've told them for several years now FIDELITY CREDITORS SVC Account # XXXX
Product: Checking or savings account

Checked my credit reports recently and there were three fraudulent personal loans taken out in my name and funds were dispersed to a bank account ( First Horizon Bank, headquartered in XXXX TN ) for approximately {$45000.00}. I have the routing and account number the perpetrator is using at HXXXXrizon Bank and it is not mine but they are using my personal information to utilize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both  validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX Balance XXXX {$93.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX  XXXX Balance : {$7400.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX