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

Early this year, my daughter, XXXX XXXX, was the victim of identity theft and fraud related to her XXXX bank account, her Discover credit card and a XXXX account. XXXX is a XXXX  at Michigan XXXX, and was under a lot of XXXX  stress at the time, and the fraudulent charges on her Discover card came in 10 week period between XX/XX/XXXX and early XXXX, 2022. XXXX is not a frequent user of her credit card, and has never purchased a gift card in her life ; nevertheless, in that 10 week period over XXXX XXXX XXXX, XXXX, XXXX and XXXX gift card purchases were billed to her, without her ever authorizing or seeing any evidence of the gift card purchases that added up to over {$2500.00}. XXXX, XXXXXXXX XXXX  mother, XXXX, and I have spent countless hours over the last several months implementing a credit freeze and working to eradicate the effects of the frauds on XXXX 's financial accounts and on-line identify. Ironically, Discover who has made the most frequent and aggressive advertising claims, " All Discover cardmembers are protected with our {$0.00} XXXX XXXX XXXX, which means you're never responsible for unauthorized purchases on your Discover Card account, '' has been by far the most disreputable and impossible with which to deal. 
Very briefly, I wrote to the General Counsel, XX/XX/XXXX, hoping that he could cut through the nonsense, but he referred it to a group, " XXXX XXXX XXXX XXXX XXXX, '' that most recently reversed a decision and letter sent to me on XX/XX/XXXX that agreed to credit XXXX 's account for all of the unauthorized charges. Then, on XX/XX/XXXX, this XXXX XXXX group ignored the fact that I represent my daughter and sent her a letter reversing that decision and claiming that she is responsible for all of the charges, which are obviously fraudulent. 
I would like the CFPB to take a look into how frequently Discover ignores its own guarantee not to attempt to hold its cardmembers responsible for unauthorized charges, and investigate what Red Flags Discover has established that are obviously inadequate, given that they can not identify and alert cardmembers to the most common fraud going, on-line purchases of gift-cards in extraordinary quantities, when the cardmember NEVER bought a gift-card in her life. 
I would be happy to send you the absurd correspondence that I have, but your systems for uploading PDFs does not seem to work. Please email me at XXXX, and I will happily share the correspondence that has traumatized my daughter so. 

Thanks very much for your assistance in this matter ; I can be reached at XXXX. All bests, XXXX XXXX
Product: Credit card or prepaid card

I received a letter from Capital One to prove who I am around XX/XX/2021. It stated they needed a copy of Social Security Number. I mail the copy in. Around XX/XX/XXXX they put both my Credit Card on hold ( Restricted ). I called them to ask why, they informed me they never received my information. I asked them to send another letter in witch they refused. They also miss informed me that they needed a picture ID and not My social Security Number. I called again on XX/XX/2021. I spoke to a lady for 40 minute on the phone. She informed me that I only needed to send in my Social Security Number. I sent in the copy once again. On XX/XX/2021 I called to see why it was still restricted to find out they have canceled both my credit cards. They informed me that they have received my information but it was passed the XX/XX/2021 deadline. When I asked them to identify the date it received, they said they could not fulfill that request. I was on the phone for 53 minutes and no one could identify the date my letter was received or inputted into the system. I am now out of 2 credit cards while paying interest and impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureau that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent account from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following account blocked and deleted from my credit file : Fraudulent Account : XXXX XXXX  - XXXX - XX/XX/year> - {$0.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These are the following Accounts : Department of EducationsXXXX XXXX XXXX Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account 15 USC 1681 Section 602A, states I have the right to privacy.

15USC 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states, no consumer reporting agency my make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

My bank account Bank of America placed a fraud hold on my business checking account we spoke to multiple people and they removed the hold then it was placed again and was told to go into a branch. I went to the Branch on XXXX XXXX and XXXX only to be treated badly. I was told by a teller the hold was an hour and a half long I told her I would wait but that I needed to step outside to get my kids. There were 3 people ahead of me, when I cam back they were still with the same people and I was told by the branch manager that they couldnt help me as closing time was in XXXX minutes. I told him they were still with the same people and that it wasnt fair. He continue to say I can make an appointment or go to another branch. I asked him for an appointment he said I could get in line very rudely and left me standing. I told them my husband is stranded in Michigan and not able to use this bank account and no one has cared to help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following hard inquiries that appeared on my credit report : XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXXXXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX I did not authorize these inquiries, and I believe they are errors. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. The FCRA also prohibits creditors from making hard inquiries without my authorization. 

I have no knowledge of any applications for credit with these companies and did not authorize them to make hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Debt collection

This number keeps calling me, and people related to me on XXXX, leaving messages saying this is a legal matter. Not, sure for what. Im tired of daily harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied online and was approved for a Fifth third credit card on XX/XX/XXXX. 

On XX/XX/XXXX two fraudulent charges totaling almost {$1400.00} were made on my XXXX card. According to the XXXX Rep, the charges were for airfare to XXXX via XXXX I've had to cancel the XXXX card. 

It seems like too much of a coincidence that the day after I apply for one bank 's credit card my other credit card gets hit with fraudulent charges. 

How can I be sure that Fifth Third or the credit reporting agency didn't leak my info?
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX days.
Product: Debt collection

XXXX XXXX XXXX continues to call dispite being informed to cease all forms of communication ( oral and written ),  a violation of the FDCPA. This company calls from the numbers of XXXX and XXXX. 

All of my debts are long past the statute of limitations. I retain and can supply a copy of my XXXX Credit Report which proves that all debts are 10 years old or older. Thus, there is an absolute bar for any form of litigation. 

In accordance with the FDCPA, a debt collector MUST stop all forms of communication once they are informed to do so in writing. My past written letters to MCM have been ignored. Thus, I am using this complaint as a formal written cease and desist informing MCM to cease all forms of communications concerning any and all past debts.
Product: Checking or savings account

I got permanently limited from PayPal because I won my dispute so they want to remove me for no reason respectfully I think this is wrong to limit someone because they won disputes
Product: Student loan

My issue is with Navient I called on Friday, XX/XX/XXXX and requested first to speak to the advocate team. I was instead directed to someone in customer service. 

All the information on my account was incorrect, the phone number was out of date, the address and email. I informed the customer service representative that I was unaware of my circumstances pertaining to my account as I was out of the country completing my training for a new career. As well as that my school forbearance was no longer active. 

I updated my information and was enrolled into a program that was supposedly income driven. I gave them my information and made my first payment to come out XX/XX/2019. I specifically asked that since I am enrolling in this program and making a payment will my credit be negatively affected to which the the representative responded youre enrolled, you will be fine. 

I was reported to the major credit departments for non-payment. I called today to ask what happened and was told that no one promised that my credit would not be affected and that my payment is a partial payment and wont apply towards my forbearance for 3 months. I was never told this on the phone, just that as soon as I am enrolled into the income driven program It would reflect on my account. 

I spoke to a supervisor today XX/XX/19 at XXXX at Navient who told me ( without reviewing the call record ) that my complaint never happened. The supervisor also told me that the program is not income driven it is a type of forbearance used to get accounts back on track. Also i was told by the supervisor that I should change my payment date to the XX/XX/XXXX to avoid any other reporting. When asked if i could have email of our conversation, i was told that is not possible and that I would have to take their word that a note will be added to my account.
Product: Credit card

XX/XX/XXXX I filed a complaint not to pay a fraudulent charge on my macy 's amex. card. This is XX/XX/XXXX and it still has not been resolved. Called customer service and was told they would investigate and give me answer. Nothing happened until I called back on XX/XX/XXXX. Spent 2.5 hours on phone with customer svce. rep. and supervisor. Was told the charges will be waived and they will remove all finance and interest charges to bring me to a XXXX ' balance. Received my statement and all charges were still on my bill. I called customer svce. again and was told that they had 'no record ' of my last call. I spent another 2 hours on the phone and was told that they will again investigate the issue for me. Again, absolutely nothing happened. This is now XX/XX/XXXX and have another problem from this. I received my credit score rating and it was dropped XXXX points from macy 's notifying them that my account was delinquent. 
I was told that the charges were removed and then told macys has no record of this call and it now is hurting my credit rating and I just do n't know what to do anymore. 
They are giving me outright lies and misinformation and I need help. 
Thank you. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, N.Y. XXXX s.s. # XXXX Macys amex. credit card # XXXX
Product: Credit reporting or other personal consumer reports

An account for bankruptcy that doesnt belong to me appeared on my credit report. I suspect this could be identity theft or fraud and am concerned that this error is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to live on XXXX XXXX XXXX XXXX and someone stole my laptop along with all my information such as social, Driver License, passport and also wallet. They opened savings account under my name and also cell account and loan. I reported to the XXXX police department and did a FTC my social was used and dont know who. Please be careful people called me saying from the social security also emails.
Product: Mortgage

When covid hit in XXXX of 2020, I decided to apply for the Pandemic Forbearance Plan since my job was reducing hours. I thought this would be a great way to ensure my house stay mine while I figured out what needed to be done to get money flowing back through my bank accounts. In XXXX of 2020, I started my own company and the cash flow increased enough to where by XXXX of 2020 I contacted Mr. Cooper to figure out what needed to be done to start paying my regular monthly payment again. I was told the only option I had was to do a loan modification so I started the process. Here we are 5 months later and I am still being dragged through the hoops. They denied my first application due to incomplete packet. So I re-applied. They came back with a trial plan offer of {$4700.00} for 6 months. I denied this plan because my normal mortgage payment was {$1800.00}, there is no way I could afford {$4700.00}. So we re-applied yet again ensuring they knew that only my income was to be taken into account for this modification not my parents. At which point they came back and denied me yet a 3rd time saying I was over extended. 
It seems like this company has no intent on helping me keep my home and is only giving me the options to either pay the lump sum to reinstate or sell my home. I am bending over backwards trying to provide any information I can to keep my home and work out a deal and I am receiving no sympathy or even a sense of urgency from Mr Cooper in wanting to help me keep my home. They seem to not care at all about my well-being and honestly could careless if I lose my home. It is super sad that a company like this is completely ok with screwing people over during a global pandemic. I have done everything just trying to get back to paying my mortgage regularly and they have made that process beyond excruciating and very draining. This is not how loyal customers should be treated. I am fighting to not loose my home and I just wish they would do the same in aiding me.
Product: Mortgage

XXXX XXXX XXXX, Notice to quit and demand for possession XX/XX/2018 XXXX XXXX  and all other occupants residing at XXXX XXXX XXXX  XXXX, MS XXXX I went out of town to help my father because he was ill I would like to stay in my home I have XXXX boys still in school and I need time to get myself back on track I really need help please help me and my XXXX  boys please thank you very much
Product: Credit reporting or other personal consumer reports

In between XXXX XXXX XXXX Ive reach out to Transunion/ capital one to dispute a hard inquiry that wasnt authorized dating for XXXX XXXX I dispute this by sending certified letters online disputing and calling customer service representatives from capital one to explain these where not authorized after explanation this they refuse to do a investigation nor remove this inquiry stating they havent received letters for a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion, XXXX XXXX XXXX several times asking to remove 1 old address : XXXX XXXX XXXX XXXX XXXX DC XXXX, Also old phone numbers due to fraudulent activity on my credit report. The phone numbers are here listed below 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money to XXXX  through cash app for a puppy. She said she was a registered breeder and sent me pictures of her through XXXX XXXX with said license. She told me that the puppy was XXXX dollars including delivery I said ok. I sent XXXX XXXX through cash app twice on XX/XX/XXXX and thought my puppy would be delivered that afternoon. It wasn't she then proceeds to tell me I have to send her another XXXX for the crate and vaccine I said I can't afford that and she then tried to make me feel bad saying I don't care about the puppy so I tried to send it cash app stopped it saying it was fraudulent charge so I didn't continue with this I then said to cancel the order and asked for my money back she kept saying she doesn't have it she spent it already XXXX pleaded with her over and over about a refund she blatantly refused to give me a refund after canceling the order and now is trying to say I am abandoned the puppy and can't take care of it after not sending her more money to get the dog back so on so I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and message her through email and called them multiple times to resolve this problem and haven't gotten no answer for this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to Transunion last XX/XX/2022 requesting that they conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for them to respond and yet they have sent me nothing. Transunion must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX, XXXX XXXX Late Dates XXXX