23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover Card revoked temporary provisional credit and closed fraud investigation in violation of its written XXXX fraud protection policy. I am a patient at XXXX XXXX and other hospitals in XXXX for XXXX XXXX I live in XXXX alone during treatment. This summer, I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Several credit cards including my Discover Card were stolen and used for transactions. Fraud investigations were opened and new physical credit cards were used. Additionally, my cell phone and XXXX  accounts were hacked into. My credit and debit card PINs were stored in my phone which is how I believe the perpetrators obtained them. Even after my credit cards were cancelled and re-issued, someone has tried to setup virtual access to my credit cards via XXXX XXXX and XXXX XXXX. The other parallel fraud/theft investigations with the other credit cards were closed in my favor. But, despite failing to perform any adequate investigation, Discover Card violated its fraud protection policy by deeming the unauthorized transactions to be mine and closing its fraud investigation. Today, I called XXXX in Discover 's fraud investigation Department and asked them to re-open the investigation. XXXX asked me investigation questions for the very first time that should have been asked months earlier. Specifically she asked how the perpetrators obtained my PIN number and I explained that it was stored inside my phone which I believe was accessed and hacked into while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel Discover Card is discriminating against me because of my XXXX as I am unable to fully safeguard my wallet and credit cards during emergency ambulance runs, ER presentations and related hospital admissions where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My other credit cards that were also stolen at the same time have identical XXXX fraud protection policies that applied to my situation. XXXX replied she can only request the fraud department consider a re-review but they will NOT issue the provisional credit promised under Discover 's written fraud policy. Regardless, Discover Card has not properly investigated as it had no evidence whatsoever to support its false conclusion that I authorized this theft and these fraudulent transactions. Discover Card is punishing and taking advantage of a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is currently reporting diffrently to each beuroe. i have disputed this account numerous times with each beroe. they st6ate that the data furnisher has varified the account they also have not provide me with verification of dept. This account is reporting illgally and should be removed at once from my cunsumer profile.
Product: Checking or savings account

Chase Bank closed my account and is not returning my funds and not giving me any recourse to dispute this with them. Over XXXX $ they have of my money. They had not communicated to me in writhing why they are doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, there was a negative account from XXXX that reported to my Experian Credit Bureau. This is an account that is fraud and an account apart of others opened that are also fraud. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 to have it removed shortly after that. Upon not having the issue resolved, I sent certified mail to get this resolved on the XX/XX/2019. This matter is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

purse was lost at at truck stop with all my personal info in shortly started getting inquires and accounts popping on my cr
Product: Checking or savings account

I called Morgan Stanley Private Bank, formerly Etrade Bank, to ask about a joint checking account held by my wife and I. I mentioned that we are going through a separation and I wanted to know what the procedure was to remove her from the joint account. I was told that because I told the customer service agent that my wife and I were separating, the checking account was to be immediately frozen and neither of us would have access to the checking account. This account is the main account that I receive pay from my employer and pay bills through autopay and everyday expenses. My wife is aware of this account and the funds and what the funds are used for. Freezing this account puts both of us in a serious bind due to the fact this account is used to pay mortgage, loans and utilities. The customer service agent explained that I would have to open a new checking account, get a signed letter from myself and my wife saying that both of are aware this joint account is being closed and the funds would be moved to the new checking account. A signed letter from my wife and I along with copies of our drivers license was uploaded on to the banks website. At this time I am still not sure if the letter and copies of drivers license will suffice to regain access to the funds in the frozen account. My complaint lies with the freezing of the account with only a question as to how to remove a person from a joint account. The bank did not verify with my wife as to the validity of the marriage separation. No legal document was provided or asked for as to the validity of the marriage separation. I only asked a question and now I am scrambling to regain my funds and pay my obligations.
Product: Debt collection

Westlake Financial repeatedly call me for a debt thats not mine. Its not even my name they keep asking for. Ive told them repeatedly the person their looking for isnt at this number. They keep calling and its getting late. They keep calling from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail.
Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX I got a loan from them years ago it was paid off to one of there workers XXXX and know they are saying they dont see the payment they have call and harass me concerning this matter even mess up my credit, Im tired of this company doing what they are doing. They need to find my payment because Im not paying again
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services, XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Product: Checking or savings account

HSBC US closed my account for no reason. All I did was making payments to my XXXX credit card and nothing more. If making payments to my own name credit card can trigger the reason for the closure of the account, shouldn't they close anyone 's account who had made payments to their credit card? This is pure discrimination and bullying for XXXX clients. The worst is they are gon na trigger the XXXX system and this may have impact on my HSBC accounts in other countries. All I want is to revoke the back closure decision and do not trigger the XXXX  system because I did nothing wrong. In USA, shouldn't the bank prove if I did anything wrong? The bank can public my e-statements and tell me which transaction I made violated the regulations of the bank. If there is, I can totally accept the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!
Product: Checking or savings account

I have an account with Robinhood Securities, LLC. Robinhood does not provide the cost basis of securities in the app or otherwise after a stock forward or reverse split occurs. I've complained about this issue to Robinhood many times. Every other broker I have provides updated cost basis information. Robinhood has refused to make this change, or confirm this information for me. Please mandate that Robinhood provides accurate cost basis information. As a consumer, I am relying on a financial institution to provide me with clarity about the investment products I am buying through their brokerage.

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
Late open : XXXX  XXXX XXXX Balance : {$140.00} XXXX ; XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} Late close : XXXX XXXX XXXX Balance : {$0.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

My wife and I moved into our new house XXXX of 2016, the house was brand new and we paid {$400000.00} for the house and put 5 % down because we knew we were going to need additional cash for things such as landscaping painting the interior etc. that need to be completed when you move into a new house. After about 10 months of being in our house, more houses on our side of the street ( which backs to a golf course ) were completed and sold. The houses sold anywhere from {$470000.00} to {$580000.00}. I reached out to Wells Fargo to see what my options were in removing our primary mortgage insurance ( PMI ) and they told us about a Broker 's Price Opinion ( BPO ) that could be completed for {$200.00}, and if a realtor came out and thought our house could be listed for what would equate to 75 % loan to value ( LTV ) we could have our PMI eliminated, this number for us would have been {$500000.00}. We had the broker come out and look at the house and put a report together with different " comps '' that had recently sold, my wife and I thought there would be no problem with us coming in at {$500000.00} because of the houses that had been sold recently not having completed backyards and our house was larger than all but 1. We were shocked when the report came in at {$490000.00} and filled out a dispute form because the comps that were used in the report, while being brand new homes, did not back to the golf course. In the dispute we used three homes that sold, within 6 houses of us all backing to the golf course and all selling for over {$500000.00} without completed landscaping. In the report I used total square footage for the house 's instead of gross living area ( GLA ) and the initial dispute was rejected because total square footage was the incorrect  measurement. I then resubmitted the dispute form with the GLA numbers and again had the dispute denied because the comps that I was using were new construction. Wells Fargo is not looking into the matter again and is telling us we will not have the matter reviewed any further. My concern is that Wells Fargo is using this BPO as a method for them to collect and additional {$200.00} of revenue without having any intention of actually eliminating their clients PMI. The representatives that I have spoken with understand my frustration and do not know why we can not look into the matter further and get another review done. They can not give me a reason why the broker can use new builds as comps but I can not, nor why none of the houses that were used as comps back to a golf course in the brokers report. While I know XXXX is not always the most reliable source, currently XXXX has our estimate at {$580000.00}. I would like to see the statistics on how many BPO 's have been completed and how many have resulted in elimination of PMI, where I stand, this is another black mark on Wells Fargo and further evidence that they will do whatever they need to to generate revenue with total disregard for their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.
Product: Debt collection

I started communications via phone and email with this company QUALITY RECOVERY SERVICES INC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX in regrads an amount of money owed to Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Rental/Leasing Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$2300.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$2300.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes after resolution I 've disputed this account with XXXX numerous times and still have not received any resolution to properly handle this so called debt or even proper documentation that would proof or show that some sort of contract was made and signed by me obligating me to pay this amount of money, maybe a bill for services provided to me or of any goods sold to me but so far nothing I 've also talked on the phone to representatives from this company and i gave them my current mailing address, phone number and email so they could send validation of this debt but instead what they did was to use the information given by me to them as method to verify information with XXXX which ended my second attempt to dispute the debt through XXXX I have started a XXXX attempt through XXXX fraud dept to dispute this debt conf # XXXX initiated XXXX/XXXX/2016 with the purpose to help me close this item which is in the collections section on my credit report and that is currently hurting my credit score in a monthly basis preventing me from qualifying to apply for a mortgage to buy a house
Product: Debt collection

Portfolio Recovery Associates acquired my delinquent credit card account when the credit card company sold them my information. This credit card was opened in an earlier year than is reported by Portfolio Recovery Associates on my credit file. I have tried a couple of times to dispute this to no avail. It has been said that a dispute can not lower your credit score, but the second dispute I made with this company acctually did lower my credit score, and that is when I noticed the date of when I acctually opened the account was changed. It has been just a little over 7 years since that credit card account has been closed and it should fall off my credit report now. But the way Portfolio Recovery Associates has it on my report, it seems that it will never be removed. This company seems very predatory and I am not giving them anything! Maybe I waited too long to report this, but this is the only collection agency that I have issues with. Financial issues are inevitable in this life, and I am doing my best at present to pay up my credit card bills, and I simply need Portfolio Recovery Associates to go away and stop calling me!
Product: Payday loan, title loan, or personal loan

Stolen funds from a provided card. Tried filing a dispute but was not permitted to. Tried soeaking to a supervisor but have yet to speak to one regarding my account. Had to close the account so no further transactions could take place but now they refuse to even start the dispute process for the stolen funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

I have a checking account with PNC. I also have an account with XXXX, a FDIC member mobile debit card backed by XXXX XXXX  that I have so I can use to make online purchases and protect my various accounts and cards with PNC/XXXX  XXXX and XXXX. When attempting to connect my PNC account to my XXXX  account, PNC refuses to acknowledge XXXX 's routing/account number or link to directly and is prohibiting me from transferring money to my XXXX  account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. XXXX failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 

XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Banks  XXXX XXXX : XXXX. XXXX, XXXX  + XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  + Automotive XXXX  XXXX XXXX : XXXX. XXXX, XXXX  + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX  + XXXX
Product: Debt collection

Re : Unifin/XXXX XXXX I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law.

1. Their letter, attached, has a default date of XX/XX/XXXX. 
2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 
3. I think the original debt was a payday loan.

4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court.

5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB. 

DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.
Product: Credit card

inaccurate information report on my credit and needs to be removed immediately sections of high credit, charge off, comments, date last active, account type details is inaccurate and unauthorized under my consent and needs to be removed off my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>