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

I recently went on a cruise and use my credit card ( Citi Bank ) to make purchases. The cruise was from XX/XX/XXXX to XX/XX/XXXX. After the cruise was over, there are pending charges and and actual charge. I waited the appropriate time based on the cruise line recommendation that the pending charges would fall off my credit card. On XX/XX/XXXX, I called the cruise line to understand when the pending charges would fall off. They indicated since they don't keep credit card information, it would be up to the credit card company to remove the pending charges. The cruise line and I called the credit card company to have a conference call. The credit card company was unwilling to remove the pending charges and stated it was up to the cruise line. The cruise line stated it was up to the credit card company. They both was standing their ground and was stating how much experience they had in resolving these issues without recognizing, the consumer ( me ) was on the line being affected by the issue. Since I didn't know which party was telling the truth, I cut the conversation and stated I would just write up a complaint. As of today, XX/XX/XXXX, the pending charges are still showing on my account. I don't know what the next steps are since, I needed the card to use for a business trip which I had to adjust other cards to pay for hotel charges. I think both companies were unprofessional and didn't think about the consumer who is being affected by the pending charges on the account.
Product: Credit reporting or other personal consumer reports

Someone applied for a loan Thur these people Im not sure how and they have been sending me information about this account that Im not aware of about making a payment in order to get more money.i domt apply for loans I have never applied for a loan.
Product: Bank account or service

I was looking through my account and noticed that a transaction that was suppose to be {$70.00} to my XXXX was a {$100.00}. I called the bank to file a complaint that was when I realized that they had taken out XXXX {$100.00} transactions that I did not authorize. I filed a complaint immediately and the Customer Service Representative stated that they would be removed. Well I just found out today that they reversed XXXX on the {$100.00} transaction even though they all XXXX transactions were from the same company and I did not authorize any of the transaction in the letter they sent they stated to found the transaction to be correct when it was not. I asked them to tell the name of the company and they do not know. How am I suppose to get my money back if they do not even know to whom and where the money went. I strongly implore that Chase put back my {$100.00} and any transactions fees because the transactions all came from the same company and I notified them as soon as I found out the transaction was not the the XXXX. Or the bank give the information on where and to whom this {$100.00} went to. They owe me that at least so I can try to get my money back and if Chase does not know who they are then it not a correct transaction and Chase needs to give me back my {$100.00} I never received notification by email of by mail that they were going to charge back the money to my account.
Product: Credit card or prepaid card

My ex husband used my information to open this account in my name without my knowledge or permission. I've made attempts to satisfy the debt but have been unable to do so, until recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to make a complaint and the information on the complaint was incorrect as well. I am wanting to correct the name on my report... which is someone else 's name and the reporting agency ( ies ) are attempting to put it on my social security number! 
This has been disputed since XX/XX/XXXX, and here we are in XX/XX/XXXX. 
I do not consent to using my private number with someone else 's name. 

I HAVE CALLED NUMEROUS TIMES AND NOW HAVE RECORDED CALLS AGAINST THESE COMPANIES THAT ARE ATTEMPTING TO ASSUME OWNERSHIP OF THE REPORT AND DO NOT WANT TO CHANGE IT. THE ONLY REPORTING COMPANY BY LAW IS THE CONSUMER FINANCIAL PROTECTION BUREAU AND NOT ANY OTHER BUREAU BY LAW ; SO I DON'T KNOW WHO THESE COMPANIES THINK THEY ARE?!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a complaint to Chase bank because it showed as a Flexible Spending Account on my credit report. It is NOT a flexible spending account ; it is a revolving credit card. I didn't know why it showed negative on my report. When I spoke with Chase bank, they said that they only report to credit agencies when there are two consecutive late payments. Chase bank indicated that they did NOT report anything to any credit agencies. Further, I pay more than the minimum payment every month. When I pay early, they view it as a LATE payment because a statement hasn't generated. Chase sent me a letter of confirming they did not send or report anything negative.
Product: Credit card or prepaid card

Company is XXXX XXXX. I have three store cards with this company ( XXXX XXXX XXXX, XXXX, and XXXX ). On XX/XX/XXXX, I made payments on each of these accounts. The next day, all three accounts were frozen. I have gone back and forth with XXXX with reps from each store card about this. I've sent emails and and called. They're telling me that my account is frozen as a fraud prevention measure because I made a payment. And that once the payment posts, my available credit will be restored. The payments posted to my accounts and cleared my bank on XX/XX/XXXX and my accounts are still frozen as of today, XX/XX/XXXX It makes no sense that a company would freeze your accounts simply for making a payment to your account. And the company is just giving me the runaround. I've had all 3 of these cards for several years and have always made my payments on time each month. There is no reason for them to freeze my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the XXXX Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for my annual credit report online through the FTC official website at  XXXX  and the  XXXX  credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-char ges by two  institutions for a subsidize and unsubsidize di rect loan, perkins loans   plus there suppose to be in deferment status and TransUnion is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involv es two financi al institutions that serviced the student loans  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX . I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification by XXXX that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from XXXX. I was advised that the accounts was open in XXXX with a company called XXXX. I never open this account in XXXX and why it reporting that this account was open in XX/XX/XXXX. This account is a FRAUDULENT ACCOUNT. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report. 

XXXX ) XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

Again, I applied for loan modification. I had to do an appraisal but the appraiser didnt want to because my grandchild was positive for Covid. I received another loan modification packet, I asked XXXX XXXX did I need to fill it out and she said no! They received the appraisal on XX/XX/2022. XXXX XXXX wrote on XX/XX/2022 and said things were a go. I might need to update income documentation. XXXX XXXX I asked if she needed anything else. No response. So I thought they were working on it. On XX/XX/2022 I asked what was going on? I get an email today XX/XX/XXXX that XXXX XXXX was on a leave of absence and I have another contact person. But today, I got foreclosure papers! 
I called in and they said the new person tried calling on XX/XX/XXXX, however no one left a message. I mean not everyone has their phone to their hip! Why not leave a message? 

I have been trying to get modification before Shellpoint bought it from XXXX XXXX! The paperwork was suppose to transfer but I had to submit new paperwork in XXXX. Then XXXX XXXX was out and had to wait. Sent paperwork by email and snail mail plus uploaded through portal. So now its my fault! Yes Im behind but Ive been trying to get this resolved. 
I feel Shellpoint and other loan companies do this to get more fees! 

I even got approved by XXXXXXXX XXXX  XXXX Ohio on XX/XX/2022 but its still pending with my servicer. 

Please see emails!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NEVER LATE
Product: Debt collection

I have a old credit card dept with XXXX XXXX.The account was closed and changed off in XXXX, and up for collection for a amount of {$2200.00} from XXXX XXXX.A collection is telling me that the account was open for collection in XX/XX/XXXX.cavalry portfolio svcs.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX.I looked at my report many years ago and this was already up for collection.How this are they moving there statue of limitations up on me illegally.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account has been misreported as late. Payments were made as agreed upon, and this must be corrected. 

XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX Account Number : XXXX Full Legal Name : XXXX XXXX Home Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This late payment occurred during a documented financial hardship, which was communicated to t creditor. The late mark should be removed. 
XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to t creditor. The late mark should be removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. 

XXXX. XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from Bank of America reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have 4 missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and Bank of America has me paying on this loan for another XXXX plus years. I am XXXX XXXX XXXX.
Product: Debt collection

As of XX/XX/XXXX, I was a victim of identity theft. These fraudsters used my identity to purchase goods and services, opened credit accounts, bank accounts, and other items not approved me. As a result of this, I closed all of these accounts and froze my credit so that no attempts to open more accounts under my name could successfully go through. On XXXX, XX/XX/XXXX, I received a notification through XXXX about a XXXX point drop on my credit score as result of a debt owed to XXXX XXXX Upon further review, I contacted XXXX and they informed me that there was a debt collection under my name in the amount of {$1100.00} for the following address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. This debt owed stems from an account that was opened in XX/XX/XXXX. I have never lived at this address nor have I opened a XXXX account. My current address is XXXX XXXX XXXX, XXXX, MD XXXX and I have lived here for 26 years. This debt is now with RICKART COLL SYSTEMS. Original creditor : XXXX XXXX XXXX. 

XXXX instructed me to file a police report and an FTC report to get this matter resolved and removed from my credit report. I filed a police report with the XXXX XXXX XXXX XXXX Police Department in Maryland ( Case Number : XXXX ). My next steps to getting this removed is to file this report accordingly. 

XXXX Account Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Open account : XXXX Account Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX Police Report : Case # : XXXX Debt Collecter : RICKART COLL SYSTEMS. 
Account # : XXXX Opened : XX/XX/XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already contacted Experian to have inquires removed
Product: Debt collection

i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to make an order from a company I have purchased from a number of times. However, their website wasn't properly functioning. So I sent an email to their customer service notifying them that I was unable to place an order online and needed to duplicate a transaction I had recently placed. However, I sent the money, via Paypal, to an incorrect address not associated with their Paypal account. My mistake, easily rectifiable, right? Wrong. 

Their customer service is designed to stretch simple problems into a cycle of frustration until people give up. Though I have provided NUMEROUS clear explanations as to what happened, they continue to either play XXXX or are actually the most incompetent people on Earth. I've forwarded messages from the vendor acknowledging that they do not have a paypal account at that address and that payment was not received ; all to no avail. Despite having a clear internal record that the payment I sent has not been claimed by anyone, they refuse to reverse the transaction. 

Yesterday, XX/XX/XXXX, I was finally asked to call and given an access code which would allegedly expedite my connection with a Customer Service " expert. '' Wrong. After going through an endless stream of options, none of which applied to me, I was finally connected with someone who understood the issue and told me she would reverse the transaction. However, she needed to transfer me to someone to complete the final transfer and verify account information. You can see where this is going. I sat on hold for 37 minutes ( in the middle of a work day ) before finally giving up. When I wrote Paypal again to complain/try to resume the situation, they completely ignored all progress we made and went back to their original message of 'contact the seller. '' I'm happy to provide all emails from the external vendor, paypal, or any phone records. This entire thing is over {$10.00}. I'm pursuing out of principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to get a free annual credit report from Experian. I paid {$1.00} on  XXXX   XXXX ,    2017 to  buy my FICO score the same online session. A few days ago, I called my credit card company to ask an unrelated question, and was told about a charge of {$23.00} from Experian (  XXXX . ) I called Experian to dispute this, and was told it was for a membership to their compan y Protect My ID . This is weird on more than one level. I already have been getting a complimentary report from some company, who know? My account has been hacked from  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX , and even through my payment for my husband 's hospital. ( I right clicked the last emailed Protect My ID so that I could find the original source, or who Experian was sending on behalf of, but there was only an " Anonymous '' as a source with that page. ) Why would I even need an Experian protection source? I have received those for months, and when I asked Experian, the  CSR said they do n't know who is paying. SCAM! The CSR said I could stop the membership they charged on my account, but I will not get the money back! SCAM AGAIN! She said when I bought the FICO score, that that was how they got my credit card info. I was supposed to cancel the charge I did not even know I was making within 7 days, or it would stay. SCAM! The culture of the day is for companies to send recei pts by email if bought online. I received no confirmation email about the charge for this product. They purposely, I believe, do not want people to know what they have charged.
Product: Debt collection

The Creditor listed is : Douglass Chancellor Meyer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : XXXX XXXX Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.
Product: Checking or savings account

deposited a cashier 's check on Friday XX/XX/XXXX. 

bank sends email stating partial funds would be released as per regulations. XXXX next dayand the next XXXX  days and then the balance on the XXXX business day. 

This is how every other bank would have done this. 

They then send an email that states their confidential methods have determined that the likelihood of the check clearing is not good so that they have to hold all of the check until XX/XX/XXXX. 

It is a freaking cashier 's check. Backed by the financial institution that issued the check. Your automated computer process needs to be fixed and you need to make the customer aware of the check being held that long prior to the deposit taking place. It is XXXX Upgrade your systems. While speaking to the Capital One rep on Sunday at XXXX pm, I let them know we came on some hard times afer our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The rep laughed. I called capital One again on XXXX after being reassured by the issuing bank that all Capital One had to do was call them and clear the check since they could verify funds were backed by the XXXX XXXX. Capital One declined to help fix the situation. Do not use them. The CFPB needs to hold these corrup institutions accountable. People hav bills to pay. Holding money for as long as you want is not a good practice.
Product: Student loan

Williams and Fudge , Inc. has been calling family members, leaving voicemails telling them that I have a defaulted Perkins loan from my university and that they are a debt collector.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. 
I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. On my Venmo account, I'm informed the transaction went through and the money successfully was sent to XXXX 's bank XXXX XXXX. XXXXXXXX XXXX is informing XXXX that the transfer failed. XXXX sent me proof key bank is not allowing her to accept it
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts are incorrect, causing me discomfort.