23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sometime ago, I responded to advertisements for bank credit card. Subsequently, I found unauthorized purchases on the card for clothing and XXXX. I contacted the credit card toll free number and spoke to an agent regarding the unauthorized purchases. However, communication difficulties occurred because I had a XXXX and when XXXX I have difficulties in speaking and remembering some details. I also have XXXX issues. The credit card company required me to go to the branch with my identification. I went to the branch which was very helpful trying to resolve any issues that the credit card had. I left assuming that everything was done and resolved. Last week, I had the problem using the card for some purchases online, I called the credit card company and agent was rude and unprofessional and disconnected the call. Today, I went to the branch again to help resolve the issue with my credit card. The credit card company never stated that they required a verbal pass code on my account that was done and any blocks were apparently removed from the card. 
The credit card company never told me that they required a verbal pass code which would allow me to use my card. 
I am very disappointed and frustrated with the credit card issued by the bank they are unwilling to help customers with XXXX and have no knowledge of dealing with people with XXXX  needs. I had to go to the bank twice now to resolve issues with bank credit card. It's difficult for me to go back and forth just to prove who I am.
Product: Credit card

I purchased a one-time subscription from XXXX online design elements on XX/XX/year> at a cost of XXXX {$110.00}. That was to facilitate an online design business I was attempting to commence with XXXX. That business did not pick up and the need to maintain a subscription with XXXX products would not have been necessary for me. Nonetheless, my subscription to XXXX was a one-time event. I did not subscribe for annual renewals to a product. I was thus very unpleasantly shocked to discover new charges to my Barclay Mastercard, long after I had ceased to use XXXX products. 
What XXXX did was to retain my card particulars and to charge a renewal fee for a subscription that I did not request. 

When I saw the new charge on my card, I tried to log onto the site hoping to file a complaint or ask for a refund, but to no avail. The site does not provide such info, and I was left to request Barclays to cancel the transaction. The bank removed the transaction but reinstated it a few days afterwards, stating that XXXX had provided evidence that I had made a new subscription. That claim is false and misleading and nothing has been provided to authenticate it. My last use of the XXXX product was around XX/XX/year>. 

I have made multiple telephone calls and sent faxes to Barclay Card, but every time I am taken round in futile circles. It is my understanding that the bank makes money from purchases on my account, not on cancelled transactions. I infer therefore, thats the reason for their reluctance to cancel the fraudulent charge. At XXXX point, a Barclay card agent gave me a number to call XXXX, XXXX. Ive tried it multiple times, but it goes to an unmanned answering machine. The XXXX website has no customer care number or email address by which I could communicate with them, only an address registered in XXXX. 

I am reaching out to you to help me have the fraudulent charge and interest associated with it reversed from my Barclaycard account.

Thank you in advance for your assistance
Product: Credit card or prepaid card

My XXXX XXXX card was charged {$8000.00} for ( 16 ) {$500.00} gift cards. 
Original purchase was for {$23.00} on a fake web site. 
The individual took my card info a purchased these cards fraudulently. 
XXXXXXXX XXXX has determined I'm at fault for interaction between the individual and myself. 
He pretended to be afraid officer for XXXX and claimed he was reversing the charges, when he was actually purchasing more.
Product: Credit reporting or other personal consumer reports

consumer reporting agencies are furnishing an inaccurate item that is hindering the sole heir and beneficiary of the principal. I XXXX XXXX, as the sole heir and beneficiary of the principal, XXXX XXXX, taxpayer id ending in XXXX. I am requesting the immediate correction of the account in question. I assert my legal right under the law of equity and XXXX, as the rightful beneficiary of the XXXX which governs this matter. 
The account in question is XXXX, Acct # : XXXX. 
Per the FCRA and other public policies, UPDATE the inaccurate item to furnish with the correct information. Account has been paid in full in accoradance with 26 CFR 1.6050P-1 by creditors policy 's. NO SHAM INVESTIGATIONS!!
Product: Money transfer, virtual currency, or money service

I have asked them to correct my account to show it has been paid and closed and now they have reopened in showing I still owe a balance. This is not ok
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX   Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Checking or savings account

I AM SUBMITTING A DOCUMENT RELATING TO COMPLAINT NO. XXXX BECAUSE THE WEBSITE DOES NOT ALLOW ME TO UPLOAD THIS INFORMATION. 

THE OVERALL INFO IS AS FOLLOWS : CFPB RESPONSE TO LAST RESPONSE FROM BBVA COMPASS COMPASS ASKED WHAT ELSE THEY COULD DO FOR ME. 

I AM TRYING TO GET A RESOLUTION TO VARIOUS ASPECTS OF COMPASS HANDLING OF THE SAFETY DEPOSIT BOX FORCE DRILLED BY THE XXXX XXXX XXXX IN 2009. THIS RELATES TO THE DEPOSIT BOX HELD AT XXXX XXXX XXXX BRANCH IN XXXX TEXAS. IT WAS DRLLED BY XXXX XXXX XXXX, NOT BY BBVA COMPASS, ON XXXX XX/XX/XXXX XXXX ALSO, IT IS BELIEVED THAT THE CONTENTS WERE FURTHER MOVED TO THE FIRST STATE BANK AT XXXX TEXAS XXXX 
PER THE COMPASS INFO EARLIER PROVIDED. THE BOX CONTAINED FUNDS PLUS OTHER RELATED AND ONE OF A KIND DOCUMENTS. COMPASS HAS INDICATED THAT THE BOX CONTENTS WERE ESCHEATED TO THE TEXAS UNCLAIMED PROPERTY. HOW WERE THE BOX CONTENT ITEMS IDENTIFIED TO TEXAS UNCLAIMED PROPERTY? WERE THEY IDENTIFIED BY BBPA COMPASS ( A ) AS A NAMED SET OF ITEMS OR ( B ) AS A NUMBER OF INDIVIDUALLY NAMED ITEMS.? WHAT WERE ALL THE NAMES COMPASS UTILIZED IN DEALING WITH TEXAS UNCLAIMED PROPERTY WHAT ARE ALL THE NAMES AND IDENTI FIERS USED BY TEXAS UNCLAIMED PROPERTY FOR ITEMS, DATA OR PROPERTY ESCHEATED BY BBVA COMPASS. WHO DID COMPASS STATE TO TEXAS UNCLAIMED WAS THE OWNER OF THE DRILLED BOX.
Product: Debt collection

ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed, different responses were received including first, see our website for terms ( not referred to anywhere in the contract ), then later, speak to the gym management, of course gym management said to speak to ABC financial services. Fees to which I did not agree to, {$50.00} cancellation fees should not be charged, only what was agreed. This company needs to clearly disclosed in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items that are currently on my credit report. After reviewing my report, I have identified several negative items that are inaccurate and should be removed immediately. The following is a list of these items : XXXX XXXXXXXX XXXX  Account Number : XXXX I am confused as to why this account shows a payment history when it was charged off. Please delete this account from my credit report as soon as possible. 

XXXX XXXX XXXXXXXX Account Number XXXX XXXX  This account also shows a payment history when it was charged off. Please remove this account from my credit report immediately. 

U S DEPT OF EDXXXX Account Number : XXXX I have never had any business relationship with this company, so there is no way this account belongs to me. Please delete this account from my credit report right away. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX This address is not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX This address is also not correct. Please remove it from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX This is not my name. Please remove it from my credit report immediately. 

I appreciate your prompt attention to this matter. Please let me know when these items have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had earlier filed a complaint regarding to XXXX on XX/XX/2022 that they are reporting incorrect SSN on my credit report asking XXXX to correct SSN on my credit report. I was requested to send in my SSN card, copy of my driver 's license and a cover letter which I have sent in twice already but when I call to follow up, I do not have any positive response from the credit bureau hence been tossed to and fro over the phone, having conversations with minimum 3-5 representatives all of them giving different informations and ends up giving me different case/file numbers ; # XXXX, XXXX, XXXX. This is hindering my finances and ability to close on my home Please see the attached.
Product: Credit reporting or other personal consumer reports

Subject : Addressing Late Payments and Violation of Consumer Credit Law Dear [ Recipient 's Name ], I hope this letter finds you well. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I am writing to bring to your attention a matter regarding late payments on my account ( Account number : XXXX ) with XXXX XXXX. According to my understanding of the United States Code Law, specifically 15 U.S. Code 1605, there should not be any late payments if a finance charge was involved. The finance charge is defined as the sum of all charges related to a consumer credit transaction. 

The law specifies that the finance charge includes various charges such as interest, service or carrying charges, loan fees, investigation fees, and more. In essence, the finance charge covers all fees directly or indirectly payable by the person to whom credit is extended. 

Considering this, I believe that the late payments on my account, dated XX/XX/XXXX and XX/XX/XXXX, should not have occurred if a finance charge was involved. As per 15 USC 1605 ( a ), I request that these late payments be removed from my consumer report. 

As a consumer, I am aware that accounts mentioned in this letter must be updated to " paid as agreed '' immediately under the law. Failure to do so may lead me to seek monetary damages for the violation of my rights under 15 USC 1605 ( a ) in small claims court in my city and state. I am prepared to take legal action under 15 USC 1681n civil liability. 

Furthermore, I have already submitted this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

I appreciate your prompt attention to this matter and expect the necessary actions to be taken promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

My identity was stolen in the year XXXX. Since then I've had multiple inquiries for personal loan applications which I had to dispute. I also have a Wells Fargo XXXX XXXX XXXX credit card on my credit report that is related to this issue. This account was opened using my information and I have tried disputing it with XXXX, XXXX, and XXXX. I have also filed an Identity theft report with the FTC. I didn't want this account to affect my credit history so I paid a settlement of {$1000.00} to Wells Fargo however, the account still shows on credit reports. I need Wells Fargo to remove this account from all credit bureaus and provide me with a letter confirming the removal. Additionally, I request reimbursement for the settlement I paid, which was not my responsibility. I also received a 1099-C form for a charge off of {$1500.00}. I have not been able to retrieve the full account number for this credit card because Wells Fargo will not release it to me for " security purposes ''.
Product: Debt collection

I called to straight inaccurate information it turned out with a supervisor tell me to contact you guys. Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, Experian is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Product: Money transfer, virtual currency, or money service

I wired {$42000.00} to XXXX cXXXX XXXX from my Bank of America XXXX checking account to purchase a classic car. Once I wired the money the seeker stopped answering his phone and I immediately called Bank of America to freeze the wire and report fraud. This was within XXXX hour of the wire being sent. They recovered XXXX of the XXXX. I dont understand why Im missing XXXX in recovery when I called immediately and the receiving bank was a Bank of America branch XXXX Please investigate their actions and if there was a delay on their end to recurve my money which cost me {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD DAY, I AM CONCERNED ABOUT A SPECIFIC NEGATIVE ITEMS THAT IS CURRENTLY REFLECTING ON MY CREDIT REPORT BY THE NAME OF XXXX XXXX. THERE IS NO WAY ON EARTH THAT I AM LIABLE FOR SUCH DEROGATORY INFORMATION. ESPECIALLY WHEN I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE SUCH INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IT INACCURATE AND VERY INCOMPLETE. I HAVE EVERY RIGHT AS A CONSUMER PER THE FCRA TO DISPUTE ANY INFORMATION I FEEL IS HINDERING MY CREDIT OVERALL. THE XXXX XXXX  ACCOUNT WAS REMOVED OFF OF XXXX, YET NOTHING WAS RESOLVED ON XXXX. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY. I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTION IN THIS CASE. I'D GREATLY APPRECIATE IT.
Product: Student loan

I am a XXXX-year old auto accident victim, residing in an olds folks home in New Jersey. On XX/XX/XXXX, Nelnet granted me TPD for my loan and since then I have been unemployed. I am living on Social Security Retirement pay  of $ XXXX monthly which pays my rent and bills. Neltnet reinstated my Loan and wants me to pay the discharged Loan with my retirement income. On XX/XX/XXXX I faxed the complaint along with the necessary evidence required to support my grievances.. If the fax is not received, please contact me to resend it immediately. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account ( XXXX ) below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC. ever According to the fair credit reporting act Whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ) MY XXXX XXXX was reported incorrectly Capital One XXXX XXXX Disclose Notice reported my XXXX XXXX XXXX as XXXX as of dated on XX/XX/year>. ( XXXX point XXXX ) However I pulled my XXXX report XXXX days before on XXXX XXXX and my XXXX XXXX is XXXX. XXXX point lower
Product: Checking or savings account

JPMorgan Chase Bank manipulated my checking account back in XX/XX/XXXX. Chase retrieved old car payments, from my acct, spanning back XXXX months, causing me to lose my new XXXX XXXX XXXX. I sacrifice to make monthly payments for it, and out of nowhere because of fraudulent activity on their behalf. Chase Bank decided to be scrutinize me, the dealer XXXX had no idea what was happening they called me and to share what bank did, anyways to make a long story short, they confiscated my car within a week. My credit score dwindled and now they expect me to pay a XXXX XXXX XXXX balance that i owe them! I'm XXXX yrs, XXXX on back now I'm stuck in rut because of Chase Bank their ugly schemes and fraudulent customer service Dept, even the fraud specialists tried to help me after XXXX  years of business and im their client! Chase Bank are manipulator and then some. Someone, please hear me out for heaven 's sake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I no you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence on last investigation that was non existent thank you
Product: Credit card or prepaid card

In XX/XX/XXXX or XX/XX/XXXX, Chrysler Capital owed me a refund of {$43.00}. Chrysler Capital 's address is XXXX XXXX XXXX, XXXX, IN XXXX. 

Rather than send me a check, as I would have preferred, they sent me a prepaid MasterCard XXXX XXXX XXXX XXXX. I hate prepaid debit cards and would never accept one if given another option. The documentation that arrived with the card clearly showed that I could not get the cash from it, but had to spend the balance instead. I threw it in my truck and after some time I tried to use it, but it was declined. I have never accepted any form of a cardholder agreement for the prepaid card. 

I wrote to Chrysler Capital requesting a check for the refund. They never responded. After a while I received a letter from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. They sent me a check for {$16.00}. 

Again I wrote to Chrysler Capital asking for the balance, and again they did not respond. I did receive a letter from XXXX asking me to call them for resolution. After several attempts, I finally reached a customer service agent. She informed me that They kept {$27.00} for fees, which they would not send to me. 

The original letter with this card shows that it is issued by XXXX XXXX  XXXX. 

I clearly did not request this card, nor did I agree to any fees. I want my refund in the form of a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.