23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently opened a Macy's/American Express card . Shortly thereafter, I received a bill with XXXX fraudulent charges - XXXX {$20.00} refills for XXXX. I immediately contacted XXXX XXXX and reported the fraudulent usage and closed the account. 
I have had the same experience with another XXXX account that I had held for more than 20 years. Over the last year, my account was compromised XXXX times. Each time I reported it, received new cards and the charges were reversed however, XXXX did nothing to secure my account as it kept happening so I closed it. 
Today I received a letter ( with an incorrect account number ) asking for the same information I had provided when I first reported the fraud and requesting I submit a copy of my driver 's license, social security card, work ID, etc. Needless to say I had no intention of supplying that information to them via mail or in any other format as they obviously have poor security standards. 
When I called to protest, I was initially told if I did n't submit the information my dispute could not be processed and the intimation was I would be responsible for the charges. I reiterated that I was not submitting my personal information and I was then transferred to a supervisor who said I did n't have to if I was " uncomfortable '' doing so but they would still need the form and reiterated that my dispute would not be processed without it. 
I have disputed any number of charges in the past with numerous banks and retailers, that were either in error, fraudulent or when I could not get satisfaction from a merchant. Never once have I been required to complete a paper form after completing the form online or speaking with a representative directly and I have absolutely no faith in XXXX XXXX to handle this correctly. Their customer service was at one time exemplary but within the last few years has become abysmal. I am attaching the credit card statement that includes the case dispute number XXXX XXXX provided when I first contacted them. The number is XXXX
Product: Student loan

Hello, I am making payments with my XXXX XXXX award. I have called XXXX received check traces for both time I have used my XXXX XXXX award. I put them on three way and the XXXX person in MOHELA has yet to submit my claims. It is both documented and yet is has not been registered in my MOHELA account. 

Payments were made in : XXXX $ XXXX not showing up on MOHELA bill. 
XXXX $ 500-not showing up on MOHELA bill. 

Thank-you this process is getting frustrating.
Product: Vehicle loan or lease

I am part of the consumer that were effected in their class action law suit No. XXXX XXXX XXXX. My contracted was date in the XXXX. They are attempting to garish my wages on a incorrect judgment.
Product: Mortgage

I Was notified XXXX was selling our loan to Penny mac. We were contacted by penny mac saying Welcome .also to let us know we were available to receive a streamline loan and save us money! I made it clear ... sure if our payments were lower and no money out of our pocket. The gentlemen which we do have the name of assured us after some time yes he could save us about XXXX a month and nothing out of our pocket. We gave an application over the phone and sent XXXX dollars. 
After much back and forth ... ..A confirmation was sent saying good to go ... .there would be about around XXXX. closing cost for us. ( Please do not quote the amounts I am giving you ballpark ) I immediately contacted them and said NO you said nothing out of our pocket, cancel the loan. 
They said they would get back to us ... ..came back and said good news payment saves almost XXXX bucks a month and no closing. We closedOur first payment was due and there was another fee as well after calling Found out no taxes for escrow were ever accounted for. We were already next month going to be XXXX in the red for our escrow acct. They say they are going to up our payment to cover XXXXdivided by XXXX.I am not well and I certainly would never refi. to pay a couple of XXXX more! Rate no lower, payment higher this is predatory lending. We need help! We also feel strongly that we were discriminated against because we are both XXXX. We want to reinstate prior loan w/same payment. We are in fear of losing our home The XXXX of this matter is starting to further affect our health. 
Thanks XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There Is an inquiry that was placed on my credit report on XX/XX/XXXX by XXXX XXXX  XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if XXXX XXXX XXXX claims that I agreed for them to pull my credit then I want to see the original documentation with my signature, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX  XXXX verified or validated the inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.
Product: Debt collection

I received a notification from XXXX stating that a collection was added to my credit report by Comsumer Adjustment Co. CAC did not contact me or send me a letter about the collection. If you refer back to a complaint I issued with XXXX XXXX XXXX about the same debt that was reported by a different company called XXXX XXXX XXXX XXXX it was removed from my credit report in XX/XX/XXXX because the debt was not valid and I don't have any responsibility for the debt. I need for Consumer Adjustment Co to remove the debt from my credit reportI. I have had to dispute this same debt 3 other times this year with different debt collectors who was not able to validate this debt I can upload copies of those companies and I have also sent a dispute letter to CAC and they should receive by Friday. Please help me I have been getting harassed about this false debt all year the debt collectors just keep shuffling it around.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Mortgage

I took out 2nd mortgage on home since the home was a foreclosed home for repairs for property the house was used as collateral. The foreclosure took place XX/XX/XXXX, I attempted rent and sell property but the property was foreclosed with first lien holder XXXX. However, prior to foreclosure both mortgage companies were communicating and the last I heard Navy Federal Credit union was offer a settlement. The house was foreclosed and I did n't hear. Over 5 years had past and I attempted apply for a mortgage loan in XX/XX/XXXX. I was told in XX/XX/XXXX Navy federal Credit union reported a current Past due balance of a loan of {$28000.00} on credit report. I called a few times and left voicemail messages asking for a call back. I finally went in-person to corporate office on XX/XX/XXXX XXXX, VA. I ask to speak with a manager in the mortgage Dept. I was told I could n't speak without a appointment. I refused to leave and finally a representative got someone in mortgage on the phone they stated they were in charge credit reporting I told them the property was foreclosed and they were reporting a current Past due balance for mortgage that I no longer have property. They stated, no way they were reporting that information. I left my foreclosed documents as proof the property was foreclosed. I was told to fax over credit report that shows the inaccurate reporting information. I asked if a manager could call me once complete. 2 weeks passed and I did n't receive a phone call, I called finally got a hold XXXX XXXX in charge of collections he ask if I would like pay the account I informed him the property was foreclosed in XX/XX/XXXX what happen I was told they did n't accept the offer. Hey was very rude, I told him I was a XXXX XXXX Veteran and to check all Credit I held in the past. I have paid off all accounts I credit cards, car loans, business loans with Navy federal and this account was foreclosed property where property was used as collateral I was told that does n't matter. On XX/XX/XXXX I heard from representative that stated she was XXXX XXXX a manager and she was responding to a complaint from the Better Business Bureau and she stated the behavior of the Collection account manager will be address and I will receive a letter in few days and the situation will be take care of she fully apologize again. After not receiving any correspondence or calls I reached out her today XX/XX/XXXX and finally spoke with her today and she seem sort of confused about sending a letter and what the letter was to address. She stated, she would have transfer me back the collection manager and stated they did nothing wrong. I am confused and meantime my credit is suffering for something that happened in my past. Does n't the credit history with Navy federal make a difference? Does n't being a Navy Federal Veteran make difference?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX  Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

Hi I've contacted NMAC regarding my payment. I've made them aware of the government shutdown effect and have not worked for the past 3 almost 4 weeks. I paid the amount owed for XX/XX/XXXX but somehow hasn't gone through because I haven't received any payments since XX/XX/XXXX. I asked if anything can be forgive being the government shutdown. They mentioned they do not participate in the shutdown and needed to make a payment immediately. I asked if 30 days could be waived because this will effect my credit tremendously, they told the arent able to waive anything and a supervisor told me to contact the three credit bureaus. I contacted all three and they told me it's the creditor obligation to update not the credit bureau. I just want to have some sort of leverage as I've and 800k workers have been effected for this silly shutdown. I would like if they can allow at least an 30 day waiver for XX/XX/XXXX. I will set up automatic payments moving forward. I am desperate
Product: Debt collection

XXXX cable sent us a bill for service at a XXXX address on XXXX. We never lived there and disputed the debt in writing on XX/XX/XXXX with XXXX, XXXX, XXXX, XXXX, and XXXX. The credit agencies deleted from our credit report. In XX/XX/XXXX Credit Management sent us a collection notice and they had changed the address of the original charge to our correct address without any account info on the bill. Credit Management falsely made the bill look as if it were attached to our current address. We have never lived at XXXX in XXXX and I reported the incident as identity theft to the credit agencies.
Product: Credit card or prepaid card

Card Opened in My name - Company XXXX - Date XX/XX/2023 - credit Bureau : XXXX _ Not authorized by me nor did apply to open anything. 

Card Opened in My name - Company CBNA - Date : XX/XX/2023 - Credit Bureau : XXXX Not authorized by me nor did I apply to open anything Company verified by identify without my authorization - company : Citi Costco - Date : XX/XX/2023 I did not authorize this verification
Product: Debt collection

This fraud company IQ Data International is falsely reporting an debt on my XXXX credit report. It 's been verified that the social on file is n't mine, I 've sent requested documents and still they refuse to remove it off my credit which is against the law. I 've spoken to rude agents such as XXXX XXXX and XXXX those XXXX are rude and speaks to you in a rude manner. They have used " scare tactics '' and threatened me on several occasions which is a violation. I 've asked to speak with the CEO XXXX XXXX and the reps most recently XXXX claims to not know how to get on contact with him. I 'm at my wits end with this situation and the illegal things they are doing. I 've gotten in contact with an Attorney Genrral and at this point I am ready to seek legal action against them.
Product: Credit card

On XXXX I was looking for a flight on XXXX XXXX website. At check out there is an offer for citi platinum XXXX XXXX XXXX credit card with {$200.00} statement credit and XXXX miles. I click on the only link for more information and complete the application in a pop up window. At the approval screen, there is a button to get a card number now before the actual card comes in the mail 7-10 days later. I click on the link because I want to apply this new credit card to my purchase and receive the {$200.00} credit and miles. The link to get card number now errors out and I can not get back to the screen. I call Citi and am told no other opportunity can be provided if the screen errored out. Now I can not make my purchase now and they recommend I wait 7-10 days for the physical card. I now have a new credit card processing but did not get the offer I click on for the amount off and miles. I am now trying to have the account closed by the bank before it is even sent out to me since I now have no need for it.
Product: Credit card or prepaid card

How you doing i recently had ordered a new cash app card on XXXX 3019 which i haven't received my boss sent my pay which was XXXX on XX/XX/XXXX2019 which was on my account i called a number that was on XXXX that was supposed to be a cash app support number when i called i jus wanted some help but the person which was a dude ask me to download a app which was called quick sort and after that some way he got into my account which was hack and took all my money off which was a total of XXXX already had money on there he was a impersonator and this happen on XX/XX/XXXX2019 he unlinked my whole cash app account now i have nothing at all i really need my money i have not one dime and im out of town im in need of help please please i wish i can talk to someone over the phone and really no action had been taking cash app only to emails and that's not far at all please help thanks
Product: Credit card or prepaid card

In XXXX XXXX I realized theres an account opened that I did not know was open or did not authorize. it was a fraudulently account. I advised Capital One that I became aware that there is money being taken out my checking out monthly for a Cap One account and was not aware. When I contacted them, the account was still open. They advised me they will close it and launch an investigation and would take 60 days. I contacted Capital One every week to check status and was told they are working on it. In last week of XXXX, I applied for a new account with Capital One. I was approved.I received the card first week of XXXX. I called Capital one again, On that call ( which I am sure was recorded ) I asked why is there an account showing for a card ending in XXXX when I set up new online account. They advised me that is a glitch. I asked on that same call that if there is a payment due while in Investigation. I was advised there is no payment due and I am not liable and the account has been closed and my credit bureau was updated to reflect that. In XXXX I realized my credit bureau still shows the account. I disputed with the credit bureau. At that point on XXXX/XXXX/XXXX, my credit reports were updated to show I am late 60 days. I never received a letter from Capital One. I was never allowed to make payments since a Fraud account. I was never advised that the investigation was closed. I am beyond frustrated. Since then, overtime I call I am told I need to speak to the person handling the case and get transferred to her voicemail. I leave voicemails and no reply or callbacks. Not one notice or letter was ever sent to me by Capital One. My mail gets scanned at XXXX for online viewing and I can prove that. I never received a call even from Capital One regards to account. Now the new account I opened is somehow linked the fraud account. I advised them of Fraud and they are making it worst by linking my new account with a fraud account from the past. NEVER WAS I ADVISED PAYMENT WAS NEEDED ON THE ACCOUNT SINCE XXXX. I HAVE RECORDS OF ALL THE CALLS I MADE ON A MONITORED LINE AND EVERY TIME WAS TOLD NO PAYMENT DUE. EVEN THE CALL ON XXXX/XXXX/XXXX WAS ADVISED PAYMENT DUE IS XXXX. I NEED THIS ACCOUNT TO BE DISPUTED AND ALSO NEED MY CREDIT BURAUE TO BE UPDATED. I OFFERED TO MAKE PAYMENT UNTIL THEY ARE DONE THEIR INVESTIGATION DUE TO THE FACT I AM IN PROCESS OF CLOSING ON A MORTGAGE FOR A HOUSE. NOW I CAN NOT CLOSE. NOW I CANT PURCHASE THE HOME AND HAVE TO SPEND MY TIME WASTING TO TAKE CARE OF CAPITAL ONE 'S MISTAKES. NOT ONE BILL. NOT ONE CALL NOT ONE NOTICE ADVISING ME OF A PAYMENT BEING NEEDED. I WAS NOT GIVEN ANY OPTION TO PAY AND OVERTIME I CALLED ADVISED NO PAYMENT DUE. HOW AM I LATE NOW? TO KEEP IN MIND NOT MY BALANCE NOT MY ACCOUNT. I NEED THIS RESOLVED ASAP. ONLY NOTICE I RECEIVED WAS ON XXXX/XXXX/XXXX AND AFTER I DISPUTED WITH CREDIT REPORT. NOTHING BEFORE THEN. OVERTIME I WAS TOLD NO PAYMENT CAN BE MADE. AND REASSURED ACCOUNT CLOSED DUE TO FRAUD
Product: Debt collection

I am a victim of identity theft since XX/XX/2019 My first email was hacked and all online banking and business home network taken over. All of my personal and business information stolen and used with out my authorization. I have had to shut down every bank account credit card account due to fraud on every account. I have yet to get my money back and yet Wellsfargo bank is still trying to collect moneys from the fraud I never made. It is hurting my credit and its not fair. I have made police reports, FTC reports & cyber crime report and mailed documents to wellsfargo. I have tried disputing off my credit report and yet its still there. I dont know what else to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my account XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

XXXX shows 30 Days late for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows on time payments every other month XXXX shows 60 Days late the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows on time payments every other month. 

As you can see nothing is the same.
Product: Student loan

I attended the University XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time, I took out two loans totaling about 44,000. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. XXXX XXXX wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment. Little did I know that I would lose all of the benefits with these loans. Now I am locked into private loan consolidation with little to no option of lowering my payment ( I 'm doing a forbearance, but that costs me XXXX bucks every time I apply ). Now mind you that I have been paying around 400 bucks a month since XX/XX/XXXX. If I do the math, I have paid them close to 43,000 and my principal now is XXXX! Thats only XXXX going towards the principal. Talk about highway robbery. Looking at my loan information I will make my final payment on XX/XX/XXXX. By that time I would have paid XXXX for a loan that was originally XXXX. They are making XXXX of this loan! Oh and I never got the high paying XXXX job after college. All of the jobs wanted someone with 2-5 years of experiences and all of these certifications ( which cost additional money and time ).
Product: Debt collection

I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate/outdated data, which is causing me to be denied credit. This began when I disputed items to be inaccurate in XX/XX/2018. When my credit is pulled by lenders from Equifax they return no data which results in a denial. ( I have no issues with the other two Bureaus reporting and updating each FICO score ).