23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2022 I applied for and was extended a balance transfer of XXXX by AMerican Advantage Aviator and was charged a XXXX fee for which I have written proof. This promotion came with a year to pay off that amount as long as minimum payments were made. The following month, the credit card company immediately started charging interest although I paid the minimum and much more by the due date. The interest rates kept coming even after I disputed several times. Finally, AA aviator is stating that they have no record of this promotion being extended even though I provided written proof. My attempts to get this resolved with them went on for over a year. Finally I gave up and was advised by an attorney office to contact CFPB. Of note is that even before this incident, I had to make three different disputes about frivolous interest rates s that were later reversed speaking to the history of this CC companys bad business practices with my account alone. However the last issue is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested to have the removed from my credit. It has yet to be done after several attempts. Please have them removed. 


XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX INCLUDED IN BANKRUPTCY XXXXXXXX XXXX DELAWARE XXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTION XX/XX/XXXX XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX xxxxXXXX XXXX XX/XX/XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX INCLUDED IN BANKRUPTCY XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Checking or savings account

Chase bank of XXXX cashed my two checks without my permission. They stamped my name on the back of the check. Then closed my bank account. I had no negative account. I look on my online banking app. I was left with XXXX in my account. I showed my mother. That was before my bank closed. They send me a mailed copy of the checks and a bank statement charging XXXX dollars for something I didn't cash. I have documents as proof. They didn't send me my whole {$71.00} left in the bank. They only gave me {$40.00}. I took a picture of the original XXXX dollar check. I have proof of that.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - LATE/CLOSED
Product: Student loan

In XX/XX/XXXX, I reached out to navient, for information regarding a payment plan to start paying back my loans. Although I had responded to their debt collection emails for years requesting information to be mailed out to me regarding different repayment options. Since XXXX, navient has sent emails to postpone or granting forbearances, requesting that I call them to review repayment options instead of just mailing out the information regarding different repayment options as I requested. In which it would give me time to decide which option would work best for me. So after a minimum of 10 years of postponing or granting forbearances, and having my request basically be ignored for information to be mailed out, I finally called navient and I was given a quote of a monthly payment quote in which was outrageous to say the least. I finally was advised to submit an application through their website to initiate the process. ( although I have asked for these steps throughout the years. ) I was advised by the customer service rep, that while my application was being processed, my loans will be in a forbearance period until XX/XX/XXXX. After my students loans were consolidated again and my interest rate went from a 2 % fixed rate to now 4 % rate, I received my IDR payment plan letter dated on XXXX. Stating that my plan starts on XXXX. A week later I received a bill, stating to avoid late fees I would have to pay XXXX by XX/XX/XXXX and my XX/XX/XXXX bill is XXXX. Keep in mind I was advised along with receiving a email stating I am in forbearance until XXXX. This has been a complete nightmare dealing with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times. There is an address on my report that is not mine from XXXX. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to XXXX. They also have a charge from a creditor from a XXXX XXXX XXXX XXXX that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again TWICE one my credit report. 1. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is one from XXXXXXXX XXXX XXXX! Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called 17 times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX, as required by law. 

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

www.myequifax.com IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX  XXXX  & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY  XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. Equifax confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY  XXXX. AGAIN I ASK FOR ACCESS www.myequifax.com. ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY  XXXX PERSONS MATTER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Mortgage

Freedom mortgage bought my loan in the middle of a home insurance claim from XXXX XXXX. I was not notified of the change as required by law and was never contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my TransUnion credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a XXXX account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with TransUnion asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called XXXX on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify TransUnion that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called XXXX again on XX/XX/2020. They said they had already notified TransUnion that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both TransUnion AND XXXX. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.
Product: Credit card or prepaid card

On XX/XX/22 I noticed a hard inquiry on my credit report from Avant bank. I did not request to open any account with them. I called Avant and told them the situation and they said an affidavit would come via email from their fraud department. The email never came and I have tried contacting them via phone and they just keep hanging up on me.
Product: Student loan

For the past month or so I have been harassed by Navient XXXX XXXX XXXX via e-mail, phone and text messaging. I get at least 3 calls a day from both automated systems and regular people stating that my loans are past due when they are not. I called Navient two weeks ago and I was told that it was a glitch in the system and that it would be corrected within 24 hours. It has not. I called again today and XXXX XXXX verified my accounts and told me that everything looked up to date and again blamed it on a glitch in the system. I have emailed and asked them to stop and I receive an automated response asking me to call them. This is unacceptable, Navient is a joke!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Credit reporting, credit repair services, or other personal consumer reports

I attempted to speak to a XXXX customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Charging illegal advance fees for credit repair services, Misleading consumers about the costs of their services, Failed to disclose limits on money-back guarantee, Misleading consumers about the benefits of their credit repair services. They are also using a 3rd party company to warm transfer calls thinking they were calling to rent a home or get a personal loan. The company also is paying employees under the table.
Product: Debt collection

I was incorrectly charged for an amount owed and never received documentation from company before collections. Company never notified me of debt owed as promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX recently decrease my credit limit and also my account was reported as dormant as I hadn't used it in XXXX months but I just used it. So the same month that it showed usage, in my most recent report, it also showed a decrease and limit by {$100.00} though I've never been late, and just have used it and this is affected my score.
Product: Credit card

I held a citi double cash rewards which i canceled. The day I paid the balance and closed the account, I tried to redeem the cash rewards balance. The website options for redeeming would not work. Any attempt to click the confirm button on any of the options would not work - in an attempt click on any possible option, I tried the gift card option. Selecting this option, logged me out of the site. 

I called customer service numerous times - waiting as long as 25 minutes - with no response. Finally, I tried the chat feature where I was told that customer service waits were adversely impacted by the launch of a costco product. I was also told that because I had closed the account that i needed to speak with someone to process the reward. Finally, after mentioning the CFPB, I was told that because I had closed the account I could not redeem the reward.
Product: Debt collection

Theyve been calling every work day for about 3 months before XX/XX/2024. The one time I answered, I couldnt understand anything they said and thought it was a wrong number, this happened 2 xs so I never answered until today. It was Sunrise Credit Services XXXX ( XXXX ) XXXX stating I owed a {$1500.00} XXXX XXXX XXXX bill. Ive never used any XXXX XXXX XXXX service. They need my name and number and asked for the last 4 of my social. I was not going to give them the last 4 as I had no idea who they were or what this was about. They told me that was fine and theyd strike my credit rating. I then called XXXX XXXX XXXX to see if XXXX might have spoofed my info and created an account. There was nothing under my name or number. I did some searches to see if Sunrise was a scam, most results stated, no. I called them back, gave them my name. They knew it was for an XXXXXXXX XXXX  XXXX bill. I once again reiterated that I never used XXXX XXXX XXXX and that I had just called XXXX XXXX XXXX to make sure they had no record of me. They said theyd note the account. Ive worked many years to create good credit and I dont want this bogus charge to ruin that.
Product: Checking or savings account

On XX/XX/XXXX, I received alarming security alerts from U.S. Bank, warning of unauthorized access. When I contacted the bank, I learned that my PIN and email had been changed without my knowledgemy account was compromised. I reported it immediately and was told my account was blocked until I visited a branch. 

At the branch, rather than feeling supported in resolving this fraud, I felt dismissed and treated with suspicion. I was told to change my account number, which created issues for payroll and deposits. I was also required to pay off my overdraft reserve and reapplydespite being the victim of fraud. 

Throughout multiple interactions, I was met with skepticism and unjustified restrictions. When requesting a cash advance from my Platinum Card ( $ XXXX limit ), I was repeatedly denied despite confirming my account status. Ultimately, the bank canceled my card and labeled me a " high risk '' customer, even though I had never missed a payment or engaged in suspicious activity. It felt like I was being blamed for the fraud committed against me. 

On XX/XX/XXXX, an unauthorized charge of {$300.00} appeared, leading to further restrictions. Despite reporting fraudulent activity, I was treated as if I were the problem, not the victim. I was repeatedly denied access to my own accounts, forced into financial burdens from closed accounts, and treated unfairly throughout the process. 

This ordeal has taken a severe emotional toll. I have lost sleep, felt humiliated, and struggled with the sense that I was unfairly profiled rather than supported as a loyal customer. I trusted this institution with my financial well-being, only to be met with suspicion and discrimination. I am seeking accountability for the way I was treated and a resolution that acknowledges the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC is attempting to collect a fraudulent debt I have no obligation or contract with said corporation furnishing this account on my consumer report is a violation of 15 USC 1692j I never MADE a consumer credit transaction with LVNV FUNDING LLC. Therefore reporting this account to my consumer report is using false and misleading representation of there character and doing so to collect on this fraudulent account is also a violation of 15 USC 1692e ( A )
Product: Checking or savings account

I have had N26 hold authorization temporary holds for 31 days, even though the merchant has released held funds. They make it impossible to get these holds released
Product: Credit reporting or other personal consumer reports

TransUnion refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below haws violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

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 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 consume4r reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 seven years.

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

I had a Netspend checking account in 2016 and had reported unauthorized transactions and never recieved credit or any kind of recourse except for automatic emails. I submitted written and oral reports of the transactions repeatedly and was never handled.
Product: Money transfer, virtual currency, or money service

This is not just about my small amount of money. What frustrates me is that Coinbase handled my property without my consent and showed complete disregard for my rights as a customer. I raised these concerns and requested improvements, but they have completely ignored them and are showing no concern at all. 

I subscribed to Coinbase One membership and paid through my bank account. When I requested a refund through live chat, the agent presented two refund options : Bitcoin ( BTC ) or USD Coin ( USDC ). I requested a refund in the same method I originally paid, and I could not find any information about this in the refund policy. Furthermore, I was not familiar with what USDC was, so I asked a few questions. However, Coinbase processed the refund in BTC without my consent. After checking my account immediately after the refund, I saw that the BTC I received was worth only {$29.00}, which was less than the original amount I paid. I later contacted Coinbase asking for clarification on their refund policy, but I did not receive any response. Additionally, during my live chat with Coinbase support, I requested the support case number, which is a mandatory requirement for submitting an official complaint. However, I was provided with an invalid number. Their refund policy did not clearly state that refunds could be processed in cryptocurrency or that customer consent was required for such refunds. Even after the live chat ended, they did not send me the case number or the chat transcript via email, making it difficult to proceed with an official complaint. As a result, I had to submit my complaint using the incorrect case number. Although I am a small shareholder in this company, I requested a resolution and compensation. However, after my official complaint, Coinbase failed to address the issues I raised and simply sent me an email stating that the refund had been successfully processed. They showed no regard for the violation of consumer rights and property rights and completely ignored my concerns.