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

XXXX and XXXX are involved in a SERIOUS breach of security relating to giving out credit card information to automatic billing vendors. On Friday, XXXX XXXX, XXXX, I picked up my new replacement credit card from XXXX from my XXXX XXXX XXXX I check this box once or twice a week for mail. I waited until Monday, XXXX XXXX, XXXX to call to activate the new card so I could call all the vendors that have automatic billing to give them the new credit card number ( as instructed in XXXX 's instructions with the new card ). When I called the vendor, XXXX XXXX XXXX XXXX XXXX XXXX, I reached the automated billing system. This system TOLD ME my NEW credit card number and NEW expiration date. I had NOT given AHS this information. I called XXXX to ask how XXXX got my new credit card number since I had just received it and activated it. The agent said CHASE does not give out that information and offered to change the card number. I called XXXX next. The agent said their file showed on XXXX XXXX, XXXX, the new credit card number was updated when XXXX sent an alert that my old card was going to expire and XXXX gave the new credit card number and the system synchronized and updated the number. ( The old card was valid to XXXX, but XXXX was dropping the military program and also changed from MC to XXXX so XXXX was issuing new cards to members. ) I called XXXX back again and spoke with XXXX in XXXX, XXXX, the Fraud supervisor, XXXX in the Disputes Dept and finally, XXXX, a Disputes supervisor. They all said they are not allowed to give out credit card numbers, however, did verify this new number was used for XXXX 's automatic billing on XXXX XXXX, XXXX before I even had the new card or activated it. XXXX kept saying CHASE did n't do it. XXXX the XXXX supervisor, says XXXX has an automatic account updater and XXXX did it. XXXX, in the XXXX XXXX said XXXX did it, but she did n't know how to answer my question and she forwarded me to her supervisor, XXXX. XXXX said XXXX does the automatic update and XXXX has some authorization on file with XXXX to allow this ( however, the other automatic billing vendors do n't have this authorization? ). She also could not answer my question : HOW WAS XXXX ALLOWED TO PUT CHARGES ON A CREDIT CARD I HAD NOT YET RECEIVED NOR ACTIVATED? ALSO, WHY WERE THEY GIVEN THIS CARD NUMBER WITHOUT MY AUTHORIZATION? None of the people at XXXX could answer this question, they took no responsibility, and blamed XXXX and XXXX. 

This is a SERIOUS breach of the security I should have over who has access to my credit card number unless I give it to them. Also, if XXXX and XXXX are automatically giving out credit card numbers to vendors this needs to be addressed immediately. If this happened to me, it 's happening to many other people also. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not accurately investigating accounts and I have documents that accounts should be removed. Experian does not remove them only update and verified, but nothing changes.
Product: Debt collection

I am a victim of identity theft. That has resulted, in a a company that is wrongfully/illegally reporting a debt into my Transunion credit profile. I have requested an investigation for Transunion to complete a thorough investigation with the Debt that company " XXXX XXXX, claim I am obligated to. As of to date, I have not received an resolution, to this issue.
Product: Debt collection

XX/XX/year>25 I disputed that hospital bills are not to be applied to your credit report, also my information was sold to a third party company to collect debt. Without my written consent a it's illegal for collection agency to buy up your debt and come after you. 
Pursuant To FDCPA 15 U.S. Code 1692
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and inquires I did not do.
Product: Credit reporting or other personal consumer reports

I recieved my XXXX  credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my Equifax credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. The only valid inquiry is from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
Product: Credit card or prepaid card

So I started a dispute transaction for a package I never received onXX/XX/2021. I was told i would receive a provisional credit within 10 business days if my dispute wasnt complete yet. Upon calling today i was told I dont qualify for the credit and the dispute will end in XX/XX/2021. The delivery driver has been contacting me being very aggressive. My bank is the XXXX XXXX XXXX through Chime
Product: Mortgage

Our mortgage was bought by a different lender SPS Loan Servicing, we were behind due to loss of income, and the lender asked that we start making payments XX/XX/2017, yet have reported to the credit bureaus since XX/XX/2017. We had already been having problems with paying our mortgage, and they suggested filing for a modification. That was done 3 different times because of paperwork issues, each coming back with no qualification, and never being able to work with one or two different people, each phone call was with a different person, and we only made one payment to them since they took over the loan, in which they sent back. We knew we were headed for foreclosure, and made a last ditch effort to Keep Your Home California, and we were approved for {$14000.00} and we would have to first pay approximately {$1600.00}, and combined would have brought us current. However, the lender would not accept 2 different payments, spoke with at least 8 different people, all saying the same thing. So Keep Your Home California, told us they could not send their payment until the lender accepted our payment, and then the program closed. Now we are being foreclosed on.
Product: Credit card

XX/XX/year> - I called XXXX XXXX to reduce my current interest rate. 

I amcharged over 30 % interest. 

I have been with XXXX XXXX for over XXXX  years and have never missed a payment. 

I was told they have offers to reduce interest to 3 %, 6 %, 9 %. 

I was put on hold. 

I was told there is no available offer or me. 

I asked the representative to explain why XXXX XXXX could not reduce my 30 % interest rate. It's too high. There was no answer to my question. 

This is usury. 

My last statement : XXXX {$910.00} XXXX charged : {$650.00} $ XXXX {$910.00} = 72 % This is usury. 

I canceled the card over the phone.
Product: Credit card

Bmo Bank Closed my account for no reason I have used every month, No Late pay no issues and no notice at all. I found out when a auto payment was declined. I called BMO and was informed that they indeed closed my account and did not have to give a reason. 
Ok fine bad business if you ask anyone. My secondary issue is they refuse to give me my rewards of {$8.00} at time of cancelation per phone call XX/XX/year>. Bottom line if they did this to me how many others are also losing their rewards accrued. Seems like a way of generating a lot of revenue off to backs of decent honest people. I hope they can be exposed for their unfair practices so others don't get taken advantage of. Basically that is the goal.....
Product: Debt collection

They keep calling to speak to my mother. My mother has never been attached to this number in any way. I havnt lived with her in 5 years and we share nothing financially. They claimed they found this number in public records but all records i can find claim this is my number and that i am her daughter. When i called them out on that they hung up on me.
Product: Credit card

TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising.
Product: Credit card or prepaid card

I have been trying to pay may credit card balance {$500.00} since XXXX this year but without any success ( in person, online or over the phone- doesn't work/ doesn't go through ). The credit card costumer service doesn't help me. The agents don't know how to resolve my problem. The phone call always get disconnected. I just keep being transferred from one department to another ( even without prior notice ) and nothing happens. The phone calls get disconnected and nothing is resolved. I just want to make a payment. That's all that I ask. I beg you to help me, please. I don't know what to do anymore. Please, help me.
Product: Checking or savings account

Someone went into my credit card account deposit money into my checking and withdraw XXXX  also I lost my wallet XXXX  credit card was used and new accounts was create without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX  XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX  Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.
Product: Checking or savings account

On XXXX XX/XX/year>, I iniciated a bank to bank transfer from my savings account at Capital One Bank to my savings account at XXXX XXXX. As of today XXXX XX/XX/year> XXXX XXXX has not been able to confirm wher the moeny went. It shows the transfer on the account ledger to XXXX but XXXX has confirmed they never receive it. ( {$36000.00} ). ease help me. These funds are for a closing on a new home that may not happend now.
Product: Bank account or service

I signed up for a department store credit card and registered for online account as well. I received some personal financial notifications from them in the form of emails and noticed that those documents are not secured. They are available for anyone to access and see my personal information which includes full contact information and some of the credit card numbers.
Product: Payday loan, title loan, personal loan, or advance loan

I applied and closed for a loan in the amount of {$16000.00}. The loan agreement was for OneMain to send a check in the amount shown in the payoff quote I acquired from XXXX. My car was to be used as collateral. XXXX still has not received payment from OneMain. I am sill having to pay XXXX for my car, with my due date for OneMain approaching on XX/XX/XXXX, I will then have to pay XXXX XXXX  XXXX have requested multiple times for my loan to be revised for the amount that was given to me that was left over from the payoff for XXXX. The XXXX payoff quote is now void due to it being past the indicated time frame they put on the letter. I have called, emailed, left messages, complained multiple times to OneMain with no help whatsoever. I returned a call from the executive office, only to not be able to get in touch with the individual who left the voicemail to me. Multiple attempts were made to contact her. My loan closed on XX/XX/XXXX. OneMain claims to have mailed the check on XX/XX/XXXX. It doesn not take nearly a month for standard mail to arrive. I am once again, requesting my loan be cancelled. Should OneMain not comply due to my multiple attempts, I will proceed with legal action.
Product: Credit reporting or other personal consumer reports

The consumer applied for a consumer line of credit with XXXX XXXX XXXX of XXXX. XXXX XXXX approved the consumer line of credit ( $ XXXX ) based on her creditworthiness ( XXXX credit score ) at the time. The account was closed in XXXX by the guarantor ( XXXX XXXX ). 

Please remove the trade line ( XXXX XXXX ) from my credit report in its entirety. 

Please review the Trans Union ( credit report ) attached. The creditor updated the consumer credit report, confirming the line of credit was expected to fall of the consumers credit report, XX/XX/XXXX. 

1. Please remove XXXX XXXX account ( credit card ) from my Trans union credit report asap & re-evaluate my credit score & as I am trying to rebuild my credit worthiness ;
Product: Debt collection

National credit adjusters is reporting to the three credit bureaus that I have debt in collections from 2014 from XXXX XXXX  XXXX. I have never had a loan XXXX XXXX XXXX and have asked them to furnish proof that this loan belongs to me but they have not provided any documentation proving that this my account.
Product: Debt collection

i never received a letter in the mail, an email, or phone call, etc..

from the company superlative rm i had to find out what was in collections, because i was never notified in any way at all.

it has been affecting my credit for months now & i have never received anything from the company whatsoever, until today, when i looked at my credit, saw it has drastically dropped & then, had to do some digging to figure out what was ruining my credit
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Payday loan, title loan, personal loan, or advance loan

I called on XX/XX/year> to pay off my loan using my husband 's account. The loan payoff amount with interest was {$1000.00}. The agent told me that I could not use my husband 's account and that the money had to be paid off from the same account the it was deposited in to. I then called again XX/XX/year>. They stated that I could use my husband 's account as long as he was present. The interest was {$100.00} more. I asked for a sup. Spoke with XXXX who refused to even acknowledge the misinformation given on XXXX and never tried to provide a resolution. I was lied too, so I would have to pay more interest.
Product: Payday loan, title loan, personal loan, or advance loan

After payment to the car to regain possession, the payments have not been updated and they attempted to withdraw additional payment that I asked them to cancel. Additionally, they have sent communication to me in XXXX which is not my primary language and I can not understand. I contacted Wilshire on XXXX and informed them that I have been receiving communication letters in XXXX  and informed them I do not speak or read XXXX  and asked them to send me letter in English, the person on the other end stated that he does not know how I received those letters and that did I call the correct place. He also indicated that I did not know how I received them and does not see anything on their end. I asked to resend in English and asked for them to communicate only in English
Product: Mortgage

I am being charged a corporate fee of {$820.00} on my mortgae by XXXX XXXX XXXX, furthermore now I am being charged interest on this fee. The fee was initially charged by Chase who was the previous bank servicing this mortgage. Chase informed me that this fee was a corporate advance paid to an attorney to represent chase interest due to violations on my property located at XXXX XXXX XXXX XXXX il XXXX. I contacted chase and informed them i was disputing the charge. I fax to chase a copy of the court order dated XXXX XX/XX/2015 showing that the violations were corrected. the court document shows my signature and the signature of the city attorney showing the dismissal of the violations. I explained to several Chase representatives that I was present at all the hearings and told them there was never an attorney representing Chase there. I also told them that the record shows that the Chase attorney filed his apperance on XX/XX/XXXX the case was resolved by me on XX/XX/XXXX. They continue to say that a chase attorney was at the hearings, this is not true as i was present at XXXX hearings and there was never a representative of chase present. I asked chase to send me the records showing the legal work the attorney did on there behalf. Chase refused. I have all my records to corroborate my statements Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern, i recently sent out letters in regard to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.
Product: Credit reporting or other personal consumer reports

I've had XXXX hard inquiries that were not authorized by me on my Trans Union credit score from XXXX ( XXXXXXXX XXXX ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through XXXXXXXX XXXX, nor have I applied for any new credit cards through XXXX. These inquiries were never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX XX/XX/2019 - I discovered the inquiry on my credit report. This was unauthorized as I do not hold any accounts or services with XXXX  XXXX XXXX, neither past nor presently. I viewed many forums ( mostly on XXXX  XXXX XXXX XXXX website ) and confirmed that this is a widespread issue with many other non-customers receiving unauthorized/fraudulent inquiries from this company. Please note in all of these cases, the company would not attend their issue and redirected individuals to the Credit Bureau ( even to those who stated they had already done this ). XX/XX/2019 - I called XXXX  XXXX XXXX XXXX , XXXX. The XXXX  XXXX XXXX representative could not locate any information on this inquiry and instructed me to contact the Credit Bureau. XX/XX/2019 - I submitted a dispute with Equifax regarding this inquiry, stating it was Unauthorized. XX/XX/2019 - Investigation completed. The results are : Inquiries are a factual record of file access. 

There is no way for me to further dispute this as Equifax refers me back to XXXX  XXXX XXXX, and XXXX  XXXX XXXX refers me back to Equifax. Neither party is willing to resolve this matter which has left me ( and many others ) in an endless loop.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. The Bureaus are violating my rights according to the FCRA Law. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score. 
XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX