23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had XXXX American Express XXXX XXXX cards - XXXX for myself ( XXXX XXXX ), XXXX for my husband ( XXXX XXXX ) and XXXX for my son ( XXXX XXXX ). My husband 's card was the primary card. My son 's card was compromised, had fraudulent charges put on it, and the card was cancelled in XXXX of 2015. American Express continued to accept fraudulent charges on the card after the card was cancelled, and rolled them over to the primary card. We closed the whole account ( all the cards ) in XXXX of 2015. To this day American Express is still accepting fraudulent charges on the original compromised card and sending us bills. We have to call each time and report the fraudulent charges and go through long telephone calls with American Express. They have not ever been helpful about fixing this problem to stop accepting charges on the account that as been closed for well over a year. This is wasting a lot of time and energy on my part and is very frustrating. I have attached copies of the two latest statements which show the fraudulent charges processed on a closed account.
Product: Credit reporting

After a year of struggle to get my admin order cancelled i finally succeeded in it and send the necessary documents trough to trans union to update my records, according to the information on the websites it is suppose to take 20 days, i have also paid lawyers to do so and it is 4 months from the first queries and it is still not done. There is also a judgement which was paid up already many years back and i have only recently notice it i have also paid the lawyers to get it cleared of my name which is still laying on my name. 
My credit report is a very important part of my career at this stage and it is a bad reflection when i apply for other positions, i have suffered along time with this decision of going under administration many years back and have paid the consequences for it. If i could ever advice anyone i would never give them that option. All i want at this stage is to clear my credit report. 
Please can you assist me in this matter
Product: Credit card or prepaid card

1. In XX/XX/XXXXXXXX  We booked 4 airfare tickets for 4 people on line with XXXX XXXX to our hometown XXXX XXXX. It originally showed up {$460.00} for one fare. 
{$460.00} X 4 = {$1800.00} in total. 

XXXX. After we typed up all the informations and did the final click, the screen popped up were {$960.00} X 4 = {$3800.00} in total. Then we called the XXXX right away in few minutes to cancel all the unfair purchases. We couldn't reach them by making multiple callings and emailed to them. No responses were made. 

XXXX. We called the Capital One right after we couldn't get the cancellation with XXXX. in minutes to stopped the payments and notified Capital One this was scam. 

XXXX. Capital One did stop the payments which XXXX overcharged the 4 tickets. We dind't use the 4 tickets. ( XXXX still had a month to re-sell the tickets ) 5. We used the same card as Capital One booked another 4 airline tickets with XXXX on the same day XX/XX/XXXX. Everything went smoothly without any trouble with XXXX. 

XXXX. Before we left the XXXX to XXXX XXXX. We paid off the balance. ( The Capital One statement balance showed up that XXXX overcharged and written off the overcharged in the same day ). 

XXXX. We left the XXXX to XXXX XXXX on XX/XX/XXXXXXXX  and returned to XXXX on XX/XX/XXXX. We got the Capital One statement rebilled the overcharged by XXXX 

XXXX. We contacted the Capital One and sent all the informations ( BEFORE VS AFTER ) by Certified Mail. Capital One did get the mail. 

XXXX. Capital One insisted that we had to pay that amount without disputing. Of course we refused to pay and stopped using the Capital One after the event. 

XXXX. Capital One hired the lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX ) sued us. We were sent to the XXXX XXXX XXXX to disputed the case on XXXXThe case was dismissed. 

XXXX. Again, the same lawyer sent us to the XXXX XXXX on XX/XX/XXXX, We won the case. 

XXXX. Now, they constantly suing us again, we have to present on the XXXX XXXX of XXXX XXXX on XX/XX/XXXX. 

XXXX. We are very sick of Capital One and the lawyer. They knew the event but keep harrasming. 

XXXX Please help or give us some advises to fight back! 

Thank You!! 
XXXX XXXX XXXX
Product: Student loan

I paid off my mohela loans in XXXX and got an email in XXXX saying I overpaid XXXX account and still owed on another. I called to try and get the issue resolved but have been on the phone on hold for XXXX total hours now. I also emailed them and didn't get a response. I never asked for mohela to be my loan service provider. I went to great lengths to pay off my student loans. Mohela 's inability to provide basic customer service should prevent them from being a federal student loan servicer in the future.
Product: Credit card or prepaid card

I have been receiving numerous credit card offers by mail, from Capital One, which gave me false pre-approval odds. I applied to the offer enclosed in the mailing, and was denied. I believe it took a hit to my credit! I only applied due to the many offers I received!
Product: Credit reporting or other personal consumer reports

On my credit report Equifax has the collection notice and the address of the person who stole my information. I filed a dispute with Equifax and they said they removed it. They did not. I called them ( a nearly impossible task! ) and since they did not see it on my information they said it was removed from my credit report. It is still there. I need to have that collection notice removed as well as her address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX removed. I live in California, NOT Mississippi. They also list my current residence address as former, but I guess that has to be filed as a separate complaint? Thank you for your help.
Product: Checking or savings account

I sent my relative {$80000.00} check. Someone stole the mail, erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase ( the Branch escalating group and the executive office ) gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. I thought there wasn't any protection for consumers, so I created a XXXX.XXXX  petition. But through more digging on Federal Reserve website, I found out that The Check Clearing for the 21st Century Act ( Check XXXX ) provides protections against fraudulent checks so that generally you are not responsible if you notify the bank in a timely fashion. According to the Act, the bank must refund me the amount of loss plus interest, no later than the 45th calendar day after the bank received your claim. 

Since Chase denied me my refunds even though Investar and I notified them with police report ( date cleared the bank XX/XX/XXXX, date notify the bank XX/XX/XXXX ), they broke the law. So I am reporting Chase of breaking the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Account XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please Remove and block these fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. 
I am requesting that these fraudulent accounts be DELETED and blocked from my Credit File Under federal law.
Product: Debt collection

This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.
Product: Credit reporting

XXXX XXXX account XXXX seems to be reporting the wrong date opened for the account and the credit account is reporting and re-aging serveral times on my Transunion report. It was a XXXX account XXXX which became a XXXX XXXX Account XXXX which became a XXXX Account .Its seems the same account is being reported XXXX different times on my report. XXXX XXXX is refusing to answer my complaint or change the re-aging or fully investigate. When accounts are duplicated they should be removed from my credit report. Requested a validation of debt also.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other 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 consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you
Product: Student loan

I attended college in the XXXX in XXXX and XXXX XXXX XXXX in XXXX. I took out loans becuase I was an older student and did not have a college savings. I am STILL paying this loan, I was unemployed for a long period of time and then only worked part time for 5 years after my son was born. My current loan servicer, ACS, suggested I defer the loan at this time. It was not made clear to me at that time that the interest would still accrue and exactly how much additional was added to the total cost of my loan. Currently my loan balance is {$21000.00} and the anticipated time for payoff is 14 years from now. I will be XXXX years old when this loan is fully paid. I have never been able to secure a full-time position in the field XXXX, which is my XXXX XXXX XXXX chosen field. ACS has mislead me and they are absolutely horrid to try to work with. I have tried applying for a XXXX as I currently work XXXX. ACS informed me that the current XXXX loan I have ( also under their recommendation ) is not eligible XXXX XXXX XXXX XXXX. When I applied to change to a different loan that would qualify, they denied me. 
ACS acquired my loan in XXXX and I was informed by The XXXX office that my previous servicer was XXXX and I can not seem to locate a payment history prior to XXXX to confirm the validity of the current loan balance. Something does not add up, and I feel like I have been scammed in the worst way possible. I would very much like to apply for a XXXX XXXX XXXX XXXX program as well as change the servicer that I need to deal with. More importantly, what becomes of the last 16 years that I have paying on a {$21000.00} balance that seems to have remained the same? Even large corporate banks will " settle '' for lessor amounts due to changes in financial situations, but this is n't an option for a student loan? I understand that the loan has has previous unemployment deferments and forbearance, however the numbers still do not seem to add up. I would like to pursue legal action agains ACS for their deceptive practices and failure to provide a service. Potentially I would also pursue state mandates to protect college graduates from falling into this trap, perhaps colleges should be held accountable for the degrees they offer, perhaps offer a different degree or classes at no charge if you are not able to secure employment. No one should be paying for a student loan when they are nearing XXXX age. More needs to be done to protect people from deceptive businesses like ACS. Can you please help? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have disputed this item for six years I have sent letters showing this is not my account and transunion only response with a verified letter no proof of how they validated please have them remove XXXX they have violated my consumer rights. Without sending me proof of the company showing this is my debt
Product: Debt collection

I went to XXXX XXXX XXXX in XXXX, Alabama to sign up for a gym membership. I was told that I would be paying a monthly fee that would be drafted from my bank. However, I was never informed that I was signing a contract. I was only informed that I was signing a membership agreement and a bank draft authorization. I was never given a copy of the contract to review before I signed it. I only found out about the contract when it appeared on my credit report. 

I disputed the charge with my credit card company, and I brought this to the attention of XXXX XXXX XXXX. However, the charge was still marked as accurate. 

I am very disappointed with the way that XXXX XXXX XXXX handled this situation. I feel that I was misled and taken advantage of. I would like to request that XXXX XXXX XXXX cancel my membership and remove the charge from my credit report.
Product: Money transfer, virtual currency, or money service

Received a debt card from Chime that listed my account number asking me to finish up signing onto my account. I have never had any contact with Chime and never requested an account of any kind with them. I have emailed them on XX/XX/2022 explaining that and requested the account be closed. This comes on the heels of having a credit card stolen on XX/XX/2022. The card from Chime arrived on XX/XX/XXXX. XXXX. There has been no money lost as of yet. Trying to prevent that from happening.
Product: Checking or savings account

US Bank Customer Service is horrible leaving me feeling unsafe to keep any funds in my account. If this does not go well I will take legal action against the bank for the lack of consumer protection and damages that went along with it. 

I purchased a product for my business around XX/XX/XXXX for roughly {$2200.00}. The supplier for my {$2200.00} product canceled the XXXX tracking number and the delivery was excessively late so I called US bank for a refund/provisional credit. They provided the credit but never mailed me the documents to fill OUT ANY PROVISIONAL CREDIT information, which US Bank reverses if not filled out. First lack of consumer protection. 

The supplier used a cheaper delivery service that does not have any tracking numbers and the product later showed up. Now I have the provisional credit and product. 

I call US bank to notify them of this immediately and to reverse the funds to the supplier. The banker tells me this can not be done and the case is closed. The banker even tells me to just keep the money. At this point, I am under the impression based on what I WAS TOLD BY MY BANK THAT THE CASE WAS SETTLED. 

I call my product supplier to tell them that my bank can not fix the issue and the matter is resolved. So to pay the supplier we create another order based on the information I had from US Bank. 

US Bank later reverses the first transaction and I call to ask why? Customer service does not tell me its because the provisional credit paperwork hasnt been filled out but because it wasnt decided in my favor and they can not assist me and I am out of luck. So now Im paying $ XXXXdouble for 1 order! 

I demand for 1.5 hours on the phone provisional credit on the second order and to date have yet to receive provisional credit documentation for either. During this time I finally find out that the only reason the first order was reversed is because I didnt receive the provisional credit work to fill out! So all this confusion with customer service caused 2 provisional credits and an additional order that was unnecessary for an ongoing complaint for a month. As a business I have not been able to deposit any money for a month due to feeling UNSAFE. 

If this second provisional credit gets reversed. My bank account will go {$2200.00} in the red and the supplier will get paid $ XXXX for one order and I will be expected to deposit another {$2200.00} to my account so its not in the red. So I will have paid {$6600.00} for {$2200.00} order because US Bank customer is a fraudish nightmare of a company to bank with. I request calls from US bank and they DONT CALL ME. 

In closing, i want to speak to someone high up at US Bank and file a complaint against every customer service person Ive spoke to except 1 person. Every single one has failed to give me any relevant information that wouldve prevent all of this and I am done with US Bank after this. And again will take legal action as well if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a 100 % 22 years XXXX  military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019
Product: Consumer Loan

JP Morgan/Chase Auto and XXXX XXXX XXXX in conjunction with XXXX XXXX XXXX and XXXX XXXX of NH, perpetrated a FRAUD car loan upon me in XXXX of their high-risk predatory lending schemes for which they have been previously penalized/fined by Federal Government by litigation brought forward by NH Banking Commission in XX/XX/XXXX-to date. 

On XX/XX/XXXX, all of the above perpetrators received a CH. XXXX demand letter requesting they cease and desist their fraudulent claim against me and remove/delete all derogatory reporting filed against me in credit reporting agencies, and stop high-risk predatory auto loan schemes against me. 

MA and NH Attorney Generals have received copies of my Ch. XXXX demand letter and complaint against above perpetrators. NH Atty General forwarded my complaint to NH Banking Commission which originally successfully litigated against JP Morgan/Chase in their previous high-risk predatory mortgage-lending schemes and Fed. Govt penalized/fined them for their illegal actions. 

On XX/XX/XXXX XXXX XXXX received notice of a fraud alert on my account by JP Morgan/Chase Auto, yet continued to update my XX/XX/XXXX Credit Report including derogatory comments on my account. Please contact TransUnion so that these derogatory comments by JP Morgan/Chase can be deleted. I lost XXXX points on my credit score because of these fraudulent derogatory comments notated by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax to remove dispute comments on credit report as I was trying to obtain a mortgage and needed these items removed. I was told in 72 hours the system will be updated and items removed. With that information I advised my mortgage company to go ahead and pull the credit again in 72 hours to reflect no dispute comments. To my surprise, my mortgage lender told me dispute comments still there over 72 hours later, and I was denied a 2nd time. On XX/XX/XXXX I immediately contacted Equifax again only to be told that they had no report of me calling, and yet again requested dispute comments to be removed, I was advised yet again they would be removed in 72 hours. Being skeptical I called back, and was advised there was a system error and no dispute comments were removed and that " maintenance dept '' would have to handle it. I advised the rep that time was of the essence as I may lose my house due to this incompetence, she said she would try to remove them again, she told me she was able to get them removed. She  provided a confirmation number. On XX/XX/XXXX I called in again and was told no dispute comments are on my report. I am so wary because I cant trust what they say at this point. I asked to have inquiry removed as their incompetence has caused me another ding to my credit. They stated they could not do anything to remove the inquiry. This company is outsourced and reps can barely speak comprehendible English. I asked for verification as they said they will email me it to me ... never came. She stated she would also mail it to me. When I check confirmation number in their " check status '' it says cant be found. I am at a deadlock because this company has fallen through many times! I am not able to obtain a mortgage unless they do their job! Their service is highly incompetent and poses a risk to the American consumer. Rep purposely refuses to hang up when advised I'm waiting for the survey after the call. When you call in and ask a question, they say " Ill place you on a 2 minute hold '' and they don't come back for some time, only the next question you ask they do the same " hold ''. Call is held many many times. This company is blocking me from receiving credit as they don't do their job as required. I am at a standstill because I cant suffer another inquiry only to be told they didn't remove the comments as directed. That will drop my score so low I wont even qualify for a mortgage at that point. I kindly ask someone find out what is going on at this company. Sad thing is, same scenario happened to my husband ... same dates!!! We called right after one another even with a confirmation code given they said no record of XX/XX/XXXX request.