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

I APPLIED ONLINE FOR THE " XXXX XXXX  XXXX '' CREDIT CARD, WITH A $ {$99.00} ANNUAL FEE. I HAD A FOLLOW UP PHONE CALL WITH BARCLAYS BANK WHEN THE FEMALE CUSTOMER SERVICE AGENT RAN MY CREDIT REPORT WHILE I WAS ON THE PHONE, RESULT WAS XXXX, SHE IMMEDIATELY APPROVED ME FOR A CARD, {$25000.00} CREDIT LIMIT. I ASKED IF WE CAN LOWER THAT TO {$5000.00}, SINCE I AM GETTING THE CARD FOR THE XXXX  XXXX XXXX  BENEFITS, SHE AGREED AND LOWERED IT. I RECEIVED IN THE MAIL A " XXXX   XXXX '' CARD, NOT THE " PLUS '' CARD, WHICH DOES NOT HAVE MANY JET BLUE AIRLINE BENEFITS ASSOCIATED WITH IT. I HAVE MADE NUMEROUS ATTEMPTS WITH BARLCAYS BANK TO RECTIFY THIS ISSUE, THEY CLAIM I APPLIED FOR THE JET BLUE CARD, AND NOT THE JET BLUE PLUS CARD, WHICH IS NOT TRUE AT ALL. I AM TOLD I WOULD HAVE TO REAPPLY, AND HAVE MY CREDIT RAN ONCE AGAIN, WHICH IN TURN WILL LOWER MY IMPECCABLE CREDIT SCORE. SO, NOW I HAVE A CREDIT CARD THAT I NEVER APPLIED FOR.
Product: Money transfer, virtual currency, or money service

The mobile banking app by the name of " Cashapp '' has failed to help resolve my issues with attempting to ask for a cancelation refund due to the service not having active/live agent.
Product: Consumer Loan

Good Day ... 
I noticed a review/law suit has been done with Toyota relating to minorities getting a higher charge. I was told when i bought my XXXX Rav4 in 2015 from XXXX Toyota in order for them to give me a loan i also had to purchase some other packages. I am a XXXX female and went to the dealership alone. I believe they took advantage of the situation. I already purchased a toyota corolla from them in the past as well. Would my account be reviewed for this lawsuit as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX Equifax, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I was trying to dispute with the creditor and Transunion. Because some of the inquiries were done without my permission Transunion refused to dispute my issue. 

inquiries that should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is incorrect and should be under the initials XXXX and XXXX anything outside of that is incorrect. 

Also there are addresses relating to the state of XX/XX/XXXX that my information was used and identity was stolen. 

Also the city of XXXX, XX/XX/XXXX which ive never lived. 

Also a rXX/XX/XXXX address, and a XXXX address in XX/XX/XXXX ive never resided. Ive asked to have them removed and the bureaus will not
Product: Credit reporting or other personal consumer reports

My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a couple million dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible.

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents in my employment case, then worked for you UPS they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like Flagstar Bank who XXXX the same thing because they can't believe that somebody I know there's very few of us out there are good people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I opened a credit card account at Pentagon Federal Credit Union ( Pen Fed ). 

However, I did not receive any mailed invoices from Pen Fed. 

When I went online to view my account in XX/XX/XXXX, I noticed Pen Fed billed me their annual fee in XX/XX/XXXX, my first month. 

Therefore, Pen Fed submitted a 30 day late to the credit rating companies. 

I am a high net worth person, and it is absurd that my credit rating has been penalized for a {$95.00} annual fee charge because of this 30 day late. 

I rarely used this credit card and XXXX  had caused mail problems in our region. 

Then, then same thing happened in XX/XX/XXXX. 

So now, Pen Fed submitted two 30 day lates to the credit agencies.

Pen Fed refuses to change their submissions, which I feel does not consider the fact that Pen Fed never informed me that my invoices were only available online.
Product: Student loan

In XX/XX/XXXX my husband and I were discharged from chapter XXXX bankruptcy. My payments to navient were subsequently put into forbearance. I was also XXXX at 100 % during this time. This information was made known to navient through an application for XXXX and XXXX  XXXX while in bankruptcy. Our bankruptcy attorney also sent a letter to nabi it indicating that it would be overbearing for us to make payments. Navient has a condition whereby if you are XXXX XXXX during loan repayment and in bankruptcy all I would need to do would be to file papers with this in mind. Later in XXXX I received letters from navient indicating that six of the seven loans in my name where paid in full. My husband and I were overjoyed that navient had approved the application for discharge under XXXX  and XXXX  XXXX. We subsequently stopped making payments on those loans but soon after received calls to make payments! We were concerned and told the representatives ( a total of 21 different representatives were involved in these conversations ) had we had received letters indicating that are loans have been paid in full. After much suffrage in sending copies of the letters, copies of the application for XXXX, letters from our attorney in bankruptcy, and notice of the correspondence received from Naviance, we were then told that the letters were sent in error ; and that we were still liable for the loans! You could imagine our confusion! Who would send letters with the exact loan numbers on them and the correct name and address ( we'd just moved and filled a new address with navient just a few months prior ) if this indeed was done in error! My response was that we were going to adhere to the letters and not make any further payments. Navient kept calling and kept insisting that we we're still liable for the loans. I saw it differently! Now they are telling us then we must have our attorney call to discuss this situation. we admit that one of the lungs was in my husband 's name and he is not disabled however he was in bankruptcy with me. And the other loan was a XXXX loan and could not be included in the letters that were sent, though it was! also, we were told that because my husband was a cosigner on one of the loans in my name, that he would then have to pay if indeed the loan was discharged. that doesn't make sense because if a loan is paid in full why would that be anything left over for him to make payments? Please look into this issue and direct as to where we should now turn! We appreciate the time you give this situation! And we are willing to go ahead with a suit if there is no other way to come to and honest solution. Thank you!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXXXXXX XXXX and the credit bureau Equifax. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA.

3. **New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureaus and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

As someone who has used XXXX XXXX, my data is at risk in the recent Equifax security breach. 

I checked their website and confirmed that my data had been potentially compromised. 

I consider this a massive breach of trust that is totally unacceptable for such a large organization with such great responsibility for personal data. 

I am making this report to indicate my rage and dissatisfaction with Equifax 's broken promise to protect the data of thousands of consumers, including myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit card or prepaid card

I have had a PayPal account for years. Recently, they provided me with a PayPal credit card. Never asked for it and never wanted it. The web site forces me to use it and defaults to use the card, though I have other credit card and bank on file.
Product: Credit card

JP Morgan Chase Bank refuses to refund the unauthorized amount of {$210.00}. This Complaint relates to previously filed Complaint XXXX. Chase response and the merchant 's responses are attached. Merchant ( XXXX  ) confirmed that refund processing time depends on the financial institution ( Chase ). 
I reported fraud earlier to Chase and changed my debit card, later I closed both checking and savings accounts with Chase. Chase reverted the charges earlier, but for some unknown reason decided to deduct this amount again despite the evidence, written confirmation from the merchant to me confirming unauthorized activity, and refund of all charges. Chase however in response to the previous complaint requested my XXXX and XXXX billing statements from the merchant which is a violation of my privacy rights in that particular case. I request Chase to submit written evidence of the merchant 's response to prove their diligence and ability to conduct an investigation. The person who contacted me - XXXX with the phone number XXXX x XXXX - never answered the phone after the bank provided a written response to the complaint ( attached ). I demand a refund from the bank, as the refund was issued by the merchant, but the bank processed the transaction at its own discretion after it was reversed once. The confirmation email from the merchant clearly states that it depends on the financial institution!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

Americollect INC # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Product: Debt collection

I XXXX XXXX satisfied an account in full of TD Bank through a third party known as XXXX XXXX XXXX in XXXX of 2018. However, TD Bank still maintains a full balance that needs to be updated to a zero balance immediately on all my credit bureaus. I paid this account by bank wire for the agreed amount of {$2000.00} to XXXX XXXX XXXX. This account needs to be updated to zero balance immediately.
Product: Credit card or prepaid card

The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. 
The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. 
Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... 
Please Help!
Product: Credit reporting 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. 

XXXX XXXX, XXXX XXXX LL XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX dept of ed XXXX XXXX, dept of education/ XXXX XXXX 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid a partner in 2 separate transactions a total of {$22000.00}. I did not realize his phone was hacked and that I was paying a bad actor who knew the partner ( and who has since gone AWOL ). The bad actor 's business was located in the XXXX, was dissolved in XX/XX/2023, but for some reason Wise did not do their continjed due dilgence and allowed them to continue operating their business account despite the dissolution. In any event, in 2 transactons ( XXXX and XXXX USD, transaction IDs XXXX and XXXX ), the threat actor was able to acquire this significant sum of money. 

Here 's where things get ridiculous : Wise responded to my investigation ( unwilling to help ), ADMITS the money is still in the threat actor 's account and hasn't been cashed out, and is STILL refusing to refund the money. So the winner in this case? Wise! By {$22000.00}. Money I worked for and my team worked their XXXX off for. 

Giiven this business is XXXX based, I filed appropriate police reports in the XXXX ( Action Fraud and Financial Ombudsman ), and I am doing so with DFS right now and likely CFPB because this money is extremely important. I need everyone to do what they can to force Wise to refund their money ( please don't just stand by because I told you I've asked other entities to step in. I'm asking because I'm getting nowhere. Each of you can surely play your part ). 

I am also concerned for Wise 's well-being. If this guy withdraws the money and Wise 's hand is forced, they'll lose that $ XXXX they're basically holding hostage anyway. The only person who deserves that money right now is me, so that I can find another way to get it to my partner. Why would Wise put themselves at risk and wait for the threat actor to potentially withdraw the money? 

I noticed that XXXX has a compensation policy that allows refunds for this kind of fraud, but the XXXX is falling far behind ( though there's progress on the XXXX side ; now please do that with the Wise side ). Being in a jurisdiction other than XXXX absolves Wise from a moral/ethical responsibility but enables them to steal my money. Great. 

Wise 's position of " no refund '' is abhorrent, especially given my relationship with these partners. This is literally the food they put on their table and will keep them in poverty. 

I'm sorry, Wise is a billion+ dollar business and doing the right thing ( giving me back my {$22000.00} ) would save these families - my partner has a team he needs to pay. I will continue to pursue in every avenue I realistically can as a XXXX person at her computer until Wise does the right thing, rather than say " well you screwed up, too bad. ''