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

On XX/XX/2019, I was informed by Discover that my credit card had possibly been used fraudulently. Upon checking my account I noticed five charges that had been made on my card by a scammer in XXXX XXXX, Florida. I live in Georgia  and have never been to XXXX XXXX. Discover realized the mistake and credited the Florida charges. My account was closed and a new card was to be issued that I should receive in 5-7 days. Discover also added additional security questions to my  account including a verbal password stating these additional features should protect me. I also put a security freeze and fraud alert on my credit report. 

After 15 days, I contacted Discover to inform them that I never received a new card. A Discover representative said the new card had been sent but it had not been activated. When she confirmed my address, she used the XXXX XXXX location!!! The scammer was able to get a new Discover card in my name sent to her Florida address. How is this happening? 

Again, I attempted to correct the address debacle. Discover closed that account and sent me a new card via XXXX XXXX to my address in Georgia. I received the card the next day. As of today ( XX/XX/2019 ), no new charges have been made to my credit card account. 

The compliant is that prior to XX/XX/XXXX and since that time the scammer has been able to change my mother 's maiden name and change the verbal password created to protect me. How does a maiden name change? Shouldn't that create alarm? The scammer knows my name, social security number, and birthday. I welcome the third degree I now get when I call and I continue to request additional security on my account as the scammer seems to know everything typically used and Discover falls for it. Additional protection has been provided ; however, I continue to get emails and phone calls from Discover to verify that I want to change my email or home address, etc. 

Related to this is that I've had fraudulent activity on my Discover Bank account as well ( {$4000.00} ). Previously, I didn't realize that Discover Bank and Discover Card are two different entities and require their own security options. When I thought I was safe with Discover credit card I find out later that Discover Bank doesn't have the new information and visa-versa. The scammer had access to both. 

Even with the new security measures Discover has taken, I can never trust the Discover credit card or Discover bank again. 

Thank you PS : My XXXX  account was also compromised. One conversation resolved the matter. The account was closed and a new card was issued within days. Thank you XXXX XXXX.
Product: Mortgage

PennyMac adds new costs and requirements to the loan at will. When questioned, they say they will fix the matter, but it is not fixed. They have bullied my family regarding increased payments, addition of escrow items including both insurance and property tax, both of which I have paid out of pocket for years. I had finally gotten them to remove the insurance item last year XXXX XXXX. My Insurance company went to great lengths to make this happen. But several months later, they had added another escrow item ( property tax ) to the mortgage with demands that I pay. They are now threatening foreclosure on a loan that has never had a missed payments, nor late payment. I spent hours on the phone with their escrow department in XXXX XXXX, and it was going to take the better part of a week to fix the escrow issue. I was advised to make an extra payment to ensure that I was not foreclosed on while waiting on this escrow fix. Well they got the extra payment out of me, adjusted my payment up. And the foreclosure notices continue to arrive. I am not happy with a company holding our mortgage making indiscriminate changes to the amounts to be billed each month. It is truly a travesty. It is defintely immoral and probably illegal.
Product: Credit reporting or other personal consumer reports

I was XXXX and my credit still was getting ran that i had no knowledge of reached out many times still there was nothing done about it
Product: Credit reporting or other personal consumer reports

I recently noticed that your company pulled up my credit, and there are inquiries listed that I dont recognize. This is really stressing me out because I didnt authorize these, and now its messing with my credit score.
Product: Debt collection

This debt was originally filed in XXXX. Upon trying to refinance our home, this judgement that is past the Indiana statute appears. Who ever the original creditor is I am almost positive was included in my bankruptcy. Also, looking at the docket, in XXXX and XXXX, they filed employment discoveries. I have no idea who this company is but they need to stop attempting to collect on an old debt.
Product: Checking or savings account

They did and got it wisely and Im getting lawyer the company its wisely
Product: Checking or savings account

On XXXX the XXXX chime bank, close my account with no warning I have over {$550.00} in my account and they wont release my money to me. I have called them every day anywhere from 2 to 6 times a day trying to get information as to why they closed my account, Ive been asked to give them copies of my last four deposits, copy of my drivers license proof of my address. Ive submitted all this information more than once and the supervisor informs me that the team that works on reactivating your account only works via email. Only the supervisor tells me they just have to submit another email with the priority because I have not been able to eat in seven days because they have my money, they tell me to patiently wait that its gon na take another 24 to 48 hours before they can reinstate my account but theres no guarantee that they can reinstate my account and they told me to patiently wait. Ive gone seven days with no food I keep getting dizzy dont know that I can wait another 24 to 48 hours. I continue to get the same email from Chime. I will copy and paste it here they just change the name at the bottom as to who its from. This is the email response I continue to get. ( Hi XXXX, Thank you for reaching out to the Chime Member Protection Team. I'm sorry to hear about the difficulty you're experiencing with your Chime account. 

For security reasons, Chime is unable to share more information about the account closure. We're also unable to review whether your account can be re-enabled or refunded until we receive valid documents verifying the deposits. 

To help us validate the deposits, please contact the source of the funds to verify them as the source of the deposits and yourself as the intended recipient. In the meantime, I invite you to review the Chime Deposit Account Agreement. 

We regret any inconvenience this may have caused. If you have further questions, please respond to this message or give us a call at XXXX. 

Thanks, XXXX | Member Protection Team )
Product: Debt collection

NATIONAL RECOVERY XXXX started reporting a XXXX XXXX debt account XXXX on my reports with out sending me a debt collection letter now they must remove the account off my credit reports because they can not collect on exempt funds nor can they report a collection on exempt funds by reporting a debt that is exempt from debt collection is considered continuous collection on exempt funds which violates the exempt income protection act they must delete this account or be sued for continuous collection on exempt funds
Product: Checking or savings account

In XXXX of 2023, I was a victim of robbery and identity theft. I reside in NY, but the incident occurred in XXXX XXXX, LA. I had several accounts drained, including 2 I had with navy federal. Below I have attached documents that I sent to Navy Federal with a police report stating the time and dates that the incident had occurred. Of the 4 different banks I have accounts with, navy federal was the only one to deny my fraud claim. They sent me 1 paper stating it was bc of my irregular spending habits. I submitted an appeal with even more paperwork and evidence, and my appeal was denied, not for the reason they initially provided, but for an entirely different reason that was not mentioned the first time around, with no recourse to appeal again. I have been in very close contact with navy federal to keep myself updated with their progress. Their team in my eyes are under qualified and weren't able to answer many of my questions often getting different answers from each person, this has lead to a lot of confusion on my end. My situation since the beginning was poorly handled with the canceling of my accounts and disputing charges. There was very little information and guidance to help me with my fraud dispute since the beginning. I have received 1 letter in the mail regarding why my dispute was denied with very little as to why it was denied. I sent an appeal with several pieces of paperwork backing up my claim proving that I was the victim in this situation instead they deny me yet again. As of this point Navy Federal is refusing to refund me thousands of dollars that were stolen from me, regardless of their Customer fraud policy. I believe the original denial, and denial of my appeal were a result of poor, and unfair investigative practices.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX, XXXX  I have not been able to get the credit card companies to correct my address and phone number on my account. Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful non compliance. The address are where I do not live are : 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 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 XXXX XXXX XXXX XXXX XXXX  XXXX The phone number are : { XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX I don't know who these numbers belong to so I am asking them to delete them.
Product: Credit card or prepaid card

I am including excerpts from the response for a previous complaint. 
" We are committed to making sure all customers are treated fairly. That is why we take appropriate measures to make sure that our representatives comply with all laws and regulations. The actions taken on your application were based on valid reasons and in accordance with our policies and procedures. '' You say you have taken appropriate measures. I filed the opt out in XXXX and still into XXXX and XXXX I received solicitations. I had to file additional opt outs and spend additional money to stop the solicitations. American Express could not have taken actions based on valid reasons because the application itself was invalid and was obtained under false pretenses. In violation of the creditor solicitation laws. It's not in accordance with lawful policies and procedures if you obtained the application under false pretenses. I am not at all satisfied with the response. I believe that this is boilerplate response and doesn't go into detail on the exact remedies and new policies and procedures that will go into place to make sure this doesn't happen to other innocent consumers. 


" " We have addressed your claims about your account in our prior responses to the CFPB, the most recent on XX/XX/XXXX, CFPB XXXX. You have been opted out of receiving marketing and it may take up to 12 weeks for mailed offers to stop. In our response to the CFPB dated XX/XX/XXXX CFPB XXXX, we explained that all American Express XXXX XXXX XXXX XXXX were previously reviewed and denied. We also advised that the application for the XXXX XXXX XXXX was denied and the decision remained the same. We have not received any additional applications for either Card from you. In addition, '' These applications should not have been obtained. The consumer opted out of these solicitations in XXXX. This explanation does not explain the lawful purpose you had to solicit and obtain the application, it does not address how American Express will create new policies to guarantee more consumers are not injured by failure of American Express to comply with opt out and FCRA
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXX XXXX XXXX XXXX I NOT AUTHORIZE THESE INQUIRIES 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

Disputes have been sent to Equifax, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There are inquiries that are the result of identity theft and an account with XXXX XXXX 's. Copies of my driver 's license, social security card, utility bill, Identity Theft Police Report, notarized FTC Identity Theft Victim 's Complaint and Affidavit, and a letter from XXXXXXXX XXXX that indicates that account was fraud.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX two transactions in the amount of XXXX were taken out of my account. I was a victim of XXXX fraud where they called from USBank number. The representative stated he was from US Bank and there was a fraud on my account in XXXX and they needed to investigate. I was leary so he transferred me to a supervisor who advised me of same thing. They hacked my account and took XXXX from me! Once I refreshed my account I heard a laugh and they hung up. I called US Bank back immediately to file a claim. I waited 10 business days, got sent to different departments, got false hopes. So today XX/XX/XXXX called and got the most dryest insensitive rep who bluntly said claims were denied we dont support scams. I asked her about Regulation E, she says what about it? She basically told me I should have read the top of the screen where it says we would never ask for money. I hung up. I emailed and wrote XXXX today the CEO. As a former US Bank employee this is disheartening that US Bank not only doesnt care about their employees but their customers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a validation of debt request fulfilled for many many months with no success. USCB America has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete USCB from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Product: Credit reporting

I am paying for my online credit report thru Transunion and have so for over 2 years now. My online report should show a credit score of at least XXXX by this time.. All accounts are paid for and I have never been late on a payment. I APPLIED for credit and was rejected based on my score ... Online report that I 'm paying for shows XXXX ... They tell the person I am trying to get credit with is a XXXX. Why am I paying for this if its wrong? This is a scam..I want my score to be where it belongs.. back at XXXX..And report it that way..I am paying for something I am not getting!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported as well notified XXXX XXXX of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX USPS asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days XXXX is acting in bad faith and not following Federal guide lines
Product: Credit reporting or other personal consumer reports

Rule 9037. Privacy Protection for Filings Made with the Court. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable.
Product: Checking or savings account

I transferred {$100.00}, {$100.00} and {$460.00} from our joint checking to our joint brokerage on XX/XX/2021 and it is showing deducted from our joint checking account, but is not showing in our joint brokerage account. It has been over 48 hours and they keep promising me that it will get fixed, but it hasn't been fixed yet. I wanted to invest that money on XXXX by buying shares of the ETFs I own, but I was prevented from doing that. XXXX is preventing me from investing that money. They even refuse to put the money back into my checking account. 

Attached are screenshots of the deductions from the checking and the lack of deposit into the brokerage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting

I am listed as having an address in South Dakota, and I have never even visited SD. 
and another address is wrong. 
I have never lived XXXX
Product: Credit card or prepaid card

I have a capital one credit card, they are charging me 26 % interest on the card. I have called them and asked that they reduce my interest to single digit interest or at least 12 % they have refused. This is absolutely criminal. America should be ashamed to allow Capital One to say they are helping someone to restore or build credit then gouge or roguely take advantage of good customers. I have never missed a payment and always pay more than the minimal required payment. Oftentimes, paying out or 2x - 4x times more to get rid of the debt. All customers who are at risk of these money rogues should complain by writing letters, going on XXXX and any other modern form of communication possible, to get the attention of these capitalistic lenders.