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

SynchronyBank/Sam'sClub World Elite Mastercard. I have durable power of attorney for my mom. Trying to close this acct. Per their request, I sent in the durable POA. They acknowledge receipt. Three phone calls and talking to 5 people and receiving a letter from them, the XXXX XXXX refuses to close acct unless I provide my DOB and SS to prove who I am. I have repeatedly told them the signed, sealed, notarized, and recorded POA proves who I am. I just want to close her account, not use it. They refuse to close it. I have asked to speak to the department responsible for the letter to address. They refuse to put me in contact with a person of decision making position. 
My mother is in XXXX living and will not be using this XXXX. There is no reason to have my personal identification to close an account when they have a signed, notarized and sealed POA which allows me to act on her behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion repeatedly reporting innacurrate information employer XXXX XXXX on credit report. I have told them I do not work for XXXX.
Product: Credit card

Do you understand what I'm saying? The fact that a company has my card on file doesn't mean they can charge it with whatever they want. I did not subscribe to the fraudulent company ( XXXX XXXX ), yet my card was charged, and the company is not willing to refund my money. There is no proof that I used their service. I reported this issue immediately after noticing the charge and mailed you showing how several other banks were able to save consumers from similar fraudulent charges by this notorious company. Why are you aiding a fraudulent company? I don't know them and did not subscribe to their service. Is it too much to attend to this as a fraudulent charge? When I raised a dispute, why did you side with them, claiming they don't offer refunds to my state? I never subscribed to their service in the first place. I have always paid my debts promptly and do not owe you anything. If you don't help me recover my money, I'll do everything possible to fight both of you ( PayPal and XXXX ) if your mission is to aid fraudulent transactions. Why do you allow a company with zero reputation to use your services? Are they above the laws of this country that you can't give a fair judgment? How can you tell me to reach out to a company I don't know to get my money back? Please, reconsider my case with compassion and fairness. All I'm asking for is a resolution that reflects the truth of the situation and protects consumers from fraudulent activities. If this issue is not resolved promptly, I will escalate it further to as many government agencies as possible to ensure that justice is served, and other consumers are protected from similar fraudulent practices.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/2024, to investigate these accounts XXXX sent certified mail. they sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX XXXX XXXX that I do not recognize.
Product: Checking or savings account

I had a Wells Fargo account like 2 years ago and from my understanding I qualify for the settlement thank you very much
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Credit Collection Serv XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( XXXX XXXX. XXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof 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

This is for conns appliance and before we paid off the last XXXX payment we explained that I had lost both of my parents, my wife had an XXXX XXXX all within a year. We were responsible for the funerals for both without life insurance or outside family help. They said ok and that all that was owed was the XXXX payments via phone conversation. We've gotten several papers saying several different amounts. So we paid the last XXXX payments according to our payment book. Now we are receiving over 20 calls a day saying we owe over {$600.00} when it should've been paid off back in XXXX. I refuse to pay this. Especially with everything else we've dealt with.
Product: Checking or savings account

On XX/XX/2018 I was at the XXXX XXXX XXXX with a friend, XXXX XXXX, and she won a jackpot in the amount of {$18000.00} ( see attached ). XXXX XXXX friend, XXXX XXXX, was with us and offered to cash the winnings at the cashier 's desk for her, because XXXX XXXX didn't have id with her at that time. The jackpot was accepted and cashed with the appropriate ID for XXXX XXXX transactions and accounting purposes by XXXX XXXX XXXX and the money exchanged and distributed as follows : {$10000.00} in cash, a {$2500.00} check, the check in question that was transferred to me, and {$6100.00} held for taxes. ( See attached ) At the same time XXXX XXXX XXXX signed check number XXXX for {$2500.00} over to me, as it was being given to me by XXXX XXXX the person that won the jackpot. These transactions can all be verified a XXXX XXXX and by camera surveillance at that time. I did not anticipate a problem. On XX/XX/2018 I lawfully deposited the check into my Chase Bank account, thinking that the check would clear because it had cleared at XXXX XXXX XXXX XXXX ( See attached bank statement ) Signing a check over is a common practice and is accepted by financial institutions. However, unbeknownst to me, a hold was placed and the funds frozen from my access. The {$2500.00} check was then withdrawn from my account on XX/XX/2018 ( see attached statement ) without reason leaving a balance of {$1.00} and on XX/XX/2018, Chase issued a check for the balance of {$1.00}, check number XXXX ( see attached ) and closed my file. Again without explanation or reason. This is totally unacceptable as I was never given a reasoning for the closure nor for this check being withdrawn, not paid to me and/or not returned to XXXX XXXX XXXX. XXXX XXXX XXXX assured me that the funds were there and there was no issue on their side. However my account was with chase. As a consumer I have a right to know why my account was blocked, the funds withdrawn and eventually my account at Chase closed. Where are these funds now? What is being done with the funds at this time? I am a XXXX XXXX of the XXXX XXXX XXXX and would not have done anything unlawful. 

I made several attempts and calls with chase to address this however without a reasonable or valid explanation. They had no lawful reason or cause to hold these funds from me. It has now been 3 months, sufficient time has lapsed and I am still without the funds.
Product: Mortgage

I previously filed a complaint against Home Point Financial for harassment by one of their employees, XXXX XXXX, who works in the Loss Mitigation Department. However, you closed the complaint simply because Home Point responded with the documents that they requested that we send them in order to process our loan modification request. But that doesnt solve anything. 

I provided them the requested documents on XXXX XXXX and called them on XXXX XXXX to confirm that they received them which they did. I was told that XXXX would be contacting us about our loan modification request. Unfortunately, we have not heard from XXXX or anyone else from Home Point. So I called to speak with XXXX and was the rep I spoke with refused. I told the rep that I had filed a complaint with you and she then advised me that because I filed a complaint that they were postponing the review of our documentation until XXXX XXXX. 

I feel as though Home Point is trying to take punitive action against me due to the complaint that I filed. When I requested XXXX phone number and email address the rep refused and offered to have me speak to a supervisor who never came to the phone after I was on hold for over 45 minutes. Home Point is our mortgage service provider and we are their customer. I feel Home Points actions to postpone reviewing our request is unjust and deplorable. 

Why should they be allowed to punish me when their rep, XXXX, harassed me daily for over a week? I didnt see any response to that part of the complaint from Home Point. I request that immediate action be taken to force Home Point to treat me fairly and review our request in a timely manner which they already failed to do the first time. Their actions are unacceptable and can not be tolerated.
Product: Prepaid card

HelloI bought Visa Gift card ( Prepaid ) card for XXXX $ at XXXX store in XXXX, GA. It was issued by US Bank. I bought it around XXXX XXXX 2015. Around XXXX XXXX, I tried to use and XXXX said, I had only XXXX $ left on the card. When I checked online, I could see that someone had removed money from the card using XXXX XXXX. 

I immediately contacted them at XXXX and they closed my card. It was around XXXX XXXX 2015. They sent me form to fill out which said, I need to file police complain and get it notorized by bank. 

i did all that and faxed them form around XXXX XXXX 2015. Till today, I have not heard back from them. I have been calling them and they are saying that they are still investigating it. 

My XXXX $ are stuck right now for a month and I am not getting any good answer. Can you help? 

Thanks.
Product: Debt collection

To be fair, I am one payment behind on a loan, but I don't think ( especially since I continue paying and don't allow myself to get any further behind ) that warrants the level of phone calls I receive. 

Calls up to 6 times per day Calls my place of work without permission When I asked that they limit their calls to 3 per week, the representative responded, " It is our policy to call you 6 times a day. '' Considering they call on Saturday and Sunday, that's 42 calls a week! Certainly qualifies as " use of phone to harrass or annoy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I/We have previously DISPUTED, this ( joint ) account on two separate occasions with the company through Experian ( includes, the amount owed ). However, Experian refuses to attach our consumer statement ( s ) this is a joint account. My husband and I, mailed ( Via Certified Mailing w/Return Receipt Requested signed and dated by Experian on XX/XX/2020 ) our consumer statement ( s ) to be attached to our XX/XX/XXXX XXXX XXXX Account ( for vehicle ). We have shared with XXXX XXXX XXXX  on numerous occasions in writing ( via emailed correspondence ) that due to the National Pandemic ( Covid-19 and extended unemployment ), we are having difficulty paying our car payment ( s ) on time since XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; including, going forward of the National Pandemic and until our financial hardship have changed. However, as of this filing, our ( Joint ) statement isn't included on our personal consumer credit files. XXXX XXXXXXXX XXXX XXXX continues to report late payments to our personal Experian accounts in spite of our filed DSIPUTES, emailed correspondences. Experian, is guilty of violating, the Fair Credit Reporting Act 15 U.S. C.1681 ; AND ALL CREDIT REPORTING ACTS. ALL SUPPORTING DOCUMENTS WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU FOR PROCESSING OF THIS COMPLAINT!
Product: Credit card or prepaid card

Chase Bank denied my disputed charge of {$800.00} twice, despite the charge very obviously being fraudulent. I was nearly kidnapped in a foreign country, and Chase has sided with scammer who provided faked receipt evidence. 

I flew to XXXX, XXXX, on XX/XX/XXXX and took a taxi from the airport to the hotel - a 30 min drive, which typically costs {$50.00} - XXXX. Upon arrival at the airport, I was approached by many taxi operators, and I believed them to be legitimate as I had no reason to suspect otherwise. I negotiated a fare of XXXX XXXX XXXX  ( roughly {$65.00} USD ) with one of the operators, which I believed I would pay at the end of the ride, like in most countries. But right after I got into the taxi, a man approached my window, took my credit card and charged me XXXX XXXXXXXX XXXX  ( which registered on Chase as {$870.00} USD ) instead. After the card was run the taxi driver immediately drove away and refused me a receipt. I was already in the taxi cab ( with all my luggage ) when my credit card was charged, I was not allowed to see the transaction take place on the handheld card reader device used, and the man who ran my credit card was not my driver. I wasn't even sure that the cab was going to the right hotel at first since my driver didn't speak English and there was no meter. There was no marking on the cab to indicate cab company name, so I was unable to get in touch with them after eventually getting to my hotel. I believed all would be fine after this traumatic experience as there was no way Chase would allow the fraudulent charge through. 

I immediately opened a dispute with Chase to ensure the bank knew that the charge was fraudulent. I paid the originally negotiated amount ( {$65.00} ), but the remaining {$800.00} was under dispute. The fake " receipt '' provided by the taxi company to Chase does not bear my signature ( the scribble on it is very obviously not mine and does not match any of my signature samples ), nor was I ever asked to even sign anything. My card was run secretively and fraudulently. I did not agree to a price of XXXX XXXX, and a {$870.00} charge for a 30 minute taxi ride would be absolutely ridiculous. Unfortunately, given the situation above, the only proof of this traumatic experience is the communication I had via text message with my partner the day this happened, and therefore Chase denied my claim, twice, even after a days-long discussion with multiple bank representatives. This is UNACCEPTABLE banking practice on Chases part.
Product: Credit card or prepaid card

I submitted a complaint dated XX/XX/2018 against a charge of {$400.00} drafted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The US Cards requested further documentation which was duly furnished. XXXX of the documents requested by them was a letter from a auto repair shop documenting the poor quality of services performed by XXXX XXXX XXXX XXXX XXXX. The document from XXXX XXXX XXXX XXXX XXXX enclosed here is evidence of such poor service. 

Vide their Letter dated XX/XX/2018, The US Card Co. declined to reverse this charge, although all evidence requested by them was duly furnished. 

By refusing to act, US Bank is encouraging bootlegging and money laundering activities by entities like XXXX XXXX XXXX XXXX XXXX, which holds no auto repair license from the California

Bureau of Automotive Repair. Their illegal activities pose a grave danger to public safety and well-being. The US Bank may be asked to permanently reverse this charge of {$400.00}. All relevant documentation will be furnished on request.
Product: Credit reporting or other personal consumer reports

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DO NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY OF THESE.
Product: Credit reporting or other personal consumer reports

I have been making monthly payments on my car loan at XXXX XXXXXXXX XXXX from my checking account at XXXX XXXX for over five years. I recently paid off my loan and have a XXXX balance. At the end of my loan, XXXX XXXXXXXX XXXX  reported me to all three credit bureaus that I was 30 days late for XX/XX/year>. This is not true as I timely paid my loan and was not 30 days late. I have three items that prove my payments were timely made. I submitted them to everyone involved : XXXX XXXX, XXXX XXXX and all three credit bureaus ( XXXX, Equifax and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX  Account # XXXX
Product: Checking or savings account

Capital One claims one of their vendors had a " power outage '' that was causing issues with deposits. This happened beginning XX/XX/XXXX but Capital One did not acknowledge the issue until XXXX on social media. At XXXX on XX/XX/XXXX, Capital One sent an email to it's customer base stating the issue should be resolved by Friday morning & deposits should go through. It's now XXXX on Friday XX/XX/XXXX & still no money. Also, no communication or transparency from Capital One. Pretty coincidental this occurred a day after news broke about the CFPB suing Capital One for cheating customers out of {$2.00} XXXX. And some how, their stock rose almost 3 % today.

Something is not right. Customers deserve answers & we deserve to be compensated for our missing money, on top of when we get our paychecks & other deposits.
Product: Vehicle loan or lease

I've been having issues with exeter for the absolute longest. I have been given the run around, they've told me they will send documents and never do. I'm always past due no matter what I pay. Recently I paid {$1500.00} and I spoke to a supervisor to double check that if I pay that amount my account would be current and he said yes. Now, I have paid that amount and they're still saying I'm past due. This has happened on multiple occasions, where I pay and they make up an excuse saying that it was used for something else. I really need someone to audit my whole account because I feel defrauded. There are just so many issues that I've had to deal with that I can't even type. I'm very frustrated and it feels like I have no rights in this situation.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional XXXX I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX Chapter XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and got no where on the credit to improve so I requested the credit bureaus to next explain there verification process so I cant see how they came down with they verified my account Violations 1681n,1681g,1681i,1681s-2,611,616,617,623,602Asec2,604A
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is reporting 8 inquiries that I have no knowledge of. I have noticed that within the week they are adding more inquires. I recently put in a complaint to credit karma about these inquiries but they are ignoring my request to delete the inquiries.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits.Capital One has cited technical issues, which may violate the electronic funds transfer Act ( EFTA ) as it requires timely access to funds.this situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.