23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION / XXXX  # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Fraudulent Account : I saw my credit report and found this account reported on my name under Collections. 

The company name is XXXX XXXX XXXX 

The account does not belong to me, and I request that it be removed from my name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) ( to i le quato customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX was XXXX XXXX XXXX as they XXXX XXXX  comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent in removal requests to Experian for the last several years. Some of the dates XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and recently XX/XX/year>. The responses I have gotten from them is that the account is verified, but none of the errors were ever fixed.
Product: Credit reporting or other personal consumer reports

Complaint Department, XXXX, Experian XXXX ] Re : Dispute of Credit Information due to Data Breach I am writing to dispute certain information on my credit report which I believe may have been compromised due to a recent data breach involving [ Name of the Company where data breach occurred, if known ]. I am requesting an investigation into the following Dispute : This account 's information have been exposed in the data breach, potentially leading to unauthorized access or fraudulent activities. I request verification of the account 's authenticity and review for any signs of fraud or inaccuracies.

Dispute : Similarly, there is concern that this account 's data was compromised. Please investigate for unauthorized changes or activities post the data breach date.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs )
Product: Credit card or prepaid card

I have been a discover card holder for 10 years. During the time, my identity was compromised and I repeatedly had problems with usage of my card, name, SSN, among other pieces of information. I hope Discover is doing what they can on their end when it is happening with Discover card. 

On XXXX XXXX, 2020, I received a call from Discover card saying that someone was attempting to use my credit card at a hotel, XXXX  XXXX in XXXX, WA, for {$2100.00}. I informed them I was in XXXX, WA ( 100+ miles away ) where I live and that the charge was fraudulent. Discover closed the account and sent me a new credit card as promised. 

On XX/XX/XXXX, Discover rebilled my account for {$2100.00}, claiming the XXXX  XXXX had my driving license information. I will attempt to contact the Driving Licensing center as soon as I can, but they are very slow at the moment due to health concerns. I believe someone has obtained my information somehow. 

Due to needing to use my credit during the ongoing crisis, I have paid the charge rather than withhold the payment, but I expect Discover to refund me and to look into this. 

I have filed multiple police reports. The latest report number is XXXX ( it contains all the previous information ) with the XXXX, WA Police Department. The officer promised to look into photographs from the hotel. 

I have contacted multiple departments at Discover including the executive department. I keep receiving the same information about XXXX  XXXX having my ID information. As mentioned, my information has been compromised for some time and I can document I was not in XXXX, WA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I signed an exclusion policy with XXXX to seal my house from potential rodent infestation in XXXX, XXXX. The work was started, but never completed. The work that was done was minimal. I made numerous attempts to contact the branch to resolve the issue. The charge was for {$1200.00}. After receiving no response from the company, I disputed the charge with my credit card company. XXXX responded by saying I had not given them the opportunity to resolve the issue. I responded to my credit card company with a letter that layed out all of my grounds for disputing the charge and the lack of response from the branch. A copy of that letter is attached. A couple of weeks later, my credit card company informed me that the XXXX branch accepted my response and would no longer pursue the charge. But I began receiving bills from XXXX for that work that was never done. I tried to contact the branch, but never received a response. After several calls to the national XXXX customer service department, I finally received a call from XXXX XXXX, who identified himself as the branch sales manager. After explaining everything to him, he promised to cancel the bill. After receiving another bill for the work that was not done, I contacted XXXX XXXX via email on XX/XX/XXXX. He said he was working on the matter and would " let me know ''. Much to my surprise, I received a letter from Nationwide Credit , IncXXXX attempting to collect the debt. I have responded to them disputing the debt. But this is now on my credit report. I have and have always had Excellent credit history. I am retired and feel I am being treated very poorly. Can you do anything about this matter? I don't know where else to turn. The address of the XXXX branch is : XXXX XXXX XXXX, XXXX, CA XXXX. The address of the debt collection agency is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX To : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc.

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially XXXX, Experian, XXXX, XXXX, Clarity, XXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

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

I have been a victim of ID theft. I recently conducted a review of my credit reports, and I noticed a total of 11 UNAUTHORIZED credit inquiries that I find to be problematic. 
I contacted every company listed below over 45 days ago, and asked them to take action to get these inquiries removed from their records, my records and to erase any record of the inquiry with all credit reporting agencies. They did not respond, send me any results and have not complied with my request to take whatever steps necessary to resolve the issue. It is not ok for them to report this inaccurate information on my reports so I decided to contact you just to make sure this gets done.
Product: Debt collection

I've submitted several disputes with XXXX and XXXX  directly, but nothing is being resolved. I am disputing the {$1700.00} collection account on my XXXX  report, because I do not owe {$1700.00} to Transworld Systems Inc, which is the collections agency trying to collect this debt. The original bill was for {$1700.00} and {$1500.00} was covered by my insurance bill, leaving {$240.00} remaining due to the original medical provider. XXXX XXXX XXXX, Transworld INC and XXXX are falsely reporting and trying to collect a wrong debt not owed. Every time I have disputed this, all I receive is an email or a letter from Equifax stating that they have verified that the debt is mine and has remained on my credit report. I do not owe {$1700.00} and I have provided proof attached to this formal complaint.
Product: Checking or savings account

XX/XX/year> XXXX around XX/XX/XXXX, I filled out paperwork on the internet to open up a Truist One checking account and a savings account. I received an email stating that a trial deposit would be made to my old checking account to verify the account information, which would less than {$1.00}. 

There were 3 small transactions which were made to my old account. I waited to hear from Truist Bank on how to proceed next to transfer the money to open up the new accounts. I was provided with accounts numbers of the accounts but did not receive the information on how to proceed. I then decided to call to check on this and was told that the accounts had been closed but I was not provided with a reason as to why. 

I then proceeded to go to the local branch to speak to someone about this. I met with XXXX XXXX and explained to him what had happened. He reviewed the information on his computer and made a telephone call to someone about this. He then said that the accounts were closed due to fraud issues on the application but he could not tell me exactly what kind of fraud it was. He then stated that the bank uses XXXX on all new customers and that I could contact them about the issue. 
He provided me with the telephone number to contact the company about the results of the report. I contacted the company and requested a copy of the report and also spoke with a man who went over the report and explained it to me. He said as was noted on the report there was no information found except for my social security number had been verified. He also stated there was nothing about fraud on the report. 

I then called XXXX XXXX back that afternoon to explain to him what I have discovered and he stated he was not going to argue with me about this and was quite rude. He did say that I would be receiving a letter explaining the reasons for the accounts being closed. 

I received two identical letters dated XX/XX/year> from the XXXX XXXX XXXX XXXX stated that the savings account had been closed. 

I continued to receive emails concerning the debit card and how to proceed to transfer the money to the new accounts which had been closed. 

I still have not received any explanation as to why the accounts were closed. 
It concerns me that the reason mentioned was fraud but I have no idea just what kind of fraud the bank is talking about. I have since done some research which reveals that this seems to be a common practice of what Truist does to potential customers. 

The number of negative reviews on the internet is quite interesting, to say the very least. I have no idea how a bank can do some of the things which people have stated it has done.
Product: Credit card or prepaid card

I have an account with Care Credit and I noticed a few months back for years they have been charging me XXXX a month for card security fee which I never signed or agreed to. I didnt even know what this was. I called the 1800 number on the bill and cancelled the service. When I checked my account again today. They are still charging it and never stopped. I dont know how this is legal.
Product: Credit reporting or other personal consumer reports

Discover Bank {$2400.00} Requested removal of this fraudulent account listed on my credit report. Discover bank failed to supply supporting documentation regarding their investigation. I requested a copy of the contractual agreement, account opening statement, information regarding the opening of this account name, address, phone number etc Discover bank failed to supply this information & is still reporting false information currently negatively impacting my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( also every time I call Cash app the first thing they asked or say is youre in the car driving we can not continue this call and they will hang up )
Product: Debt collection

Received an unblocked phone call and as left on my voicemail in regards to my son - they stated he had a warrant out for his XXXX. they need to process serve him in regards to a court summons in XXXX county and left a phone # XXXX XXXX XXXX with a case # XXXX - I called back, told them I was his mother and they left a voicemail for my son. I asked who they worked for and what was this about. and they refused to tellme who they work for. all I got out of them they were working a FRAUD case that there was a credit card taken out in my son 's name. I told him I will have him file apolice report because he barely turned XXXX they hung up on me. I called them back, he then accused me of opening a credit card in my son 's name, I asked for the original information and he refused. then he insulted meand called me names. I told him not to call my number again. - I asked for his manager another man came on phone and he refused his name or who he worked for.
Product: Consumer Loan

i bought a car in XXXX, XXXX i financed it through chrysler capital ( account number XXXX ). my first statement from chrysler capital arrived in XXXX XXXX and i made a payment of {$480.00}. the next statement i received ( in XXXX XXXX ), which i have attached, showed that my account was current and the next payment was not due until XXXX XXXX in early XXXX XXXX, i was notified by chrysler capital ( via phone ) that my account was overdue. i called them and was told that i missed my XXXX payment. i told them that my XXXX statement said that my account was current and no payment was due until XXXX. they said they had made an accounting mistake and that my XXXX statement was not accurate. apparently, they had mis-applied funds ( {$670.00} ) to my account, then later reversed it without notifying me. when this was explained to me by the chrysler capital representative, i said i would make a payment immediately and they told me that any associated late fees would be reversed since the error was not mine. my XXXX payment was made on XXXX XXXX, XXXX when i received my XXXX statement ( also attached ), the late fee had NOT been reversed, nor was my payment from XXXX XXXX applied. i called chrysler capital and they said that that my request to have the late fee reversed was denied. i asked to speak to a supervisor and they repeated that the late fee would not be reversed, even though the reason my payment was late was due to an accounting error made by chrysler capital. i asked to have the matter escalated and the supervisor connected me to chrysler capital 's 'office of the president ', which led to a voicemail box. i never heard from them after leaving a message. i now ask that any and all late fees from my account be reversed immediately, as i was told would be done since the mistake was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a prior complaint cfpb # XXXX related to unpaid/underpaid property taxes and mismanaged escrow, I noted my credit score had fallen due to Wells Fargo reporting a total mortgage amount well above what my principle balance was set as. I was told in the resolution of my complaint Wells Fargo was reporting everything correctly, and I would have to call credit bureaus. The Wells Fargo credit report provided shows the incorrect amount, but I was told I must be wrong or need to contact the credit bureau. 

Wells Fargo shows my principle balance as {$370000.00}. Credit bureaus, both XXXX XXXX and XXXX ( I have not checked XXXX ) show it as XXXX. That is a difference of over {$14000.00}, and caused my credit score to go down, In most cases moving me from good/fair score to poor scores. I am about to move, this score drop directly impacts my ability to borrow at an optimal interest rate. 

Wells Fargo has made my life hellish for months due to the tax issue and not their refusal to correct the loan amount. I am not sure why there is such a large disconnect, but the only way the bureaus would have this amount is from Wells Fargo. I can not just tell the bureaus they are wrong and get this fixed. Wells Fargo needs to fix this. It is the least they can do after months of pain and emotional distress that they shrug off as nothing and then lie to me that they are reporting everything correctly. 

I am including screen shots of 3 separate credit score details I can access on my Wells Fargo, XXXX, and XXXX XXXX  accounts through credit monitoring service provided. I am also attaching my most recent mortgage statement.