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

My claim started on XXXX XXXX, 2017 when someone used my Chase debit card at the ATM to take money from my checking account. I notified Chase and later the claim was approved. After I received my replacement debit card, it was used to make purchases. When I called to report the activity to Chase I was stunned to learn that Chase had not disabled the PIN number. They said if I wanted to change it I would have to take the card in to the nearest branch. Well the damage had already been done. Four more cash withdrawals. I believe Chase is guilty of not protecting me by leaving the PIN active. Now Chase is denying that claim. Im not sure why. The money was taken away without warning. i got up in the morning and i was {$690.00} overdrawn. Im pretty sure if I had not borrowed the money from my mother-in-law to put back in the bank i would have been charged overdrawn fees every day. 
Well my checking account wasnt the only victim.. My Chase/Slate credit card was also used without authorization. As well as my XXXX card, my XXXX card and, just yesterday my XXXX. XXXX seems to always be involved. This last time i had used my XXXX at XXXX that morning. A few hours later it was used by someone and again that night. 
I intend to keep writing to anyone who will listen. So far I have filed 2 claims with the Consumer Protection people. Next I am writing to the Attorney General. 

Last week I tried to shop with my debit card and kept being denied. I stopped in at the local bank and was told that you had closed my accounts. you had closed my Slate and Freedom the week before. That was fine. I had no credit left. But I need my checking account. I have medical procedures coming up which require a co-pay and my income is direct deposit. now I 'm getting letters from Chase saying they are denying myb claims because In gave authorization to the user. these are claims that were already resolved. Suddenly they think I let someone use the cards, max them out.. Why would I do that. If someone got access to my cards and used them without m, y knowledge or authorization, that 's still theft. Chase would sometimes deny 2 or 3 attempts to use the card and then let the next one go thru. did they think to call me and see ifv I was using the card? n did they think to request surveillance footage so I could see if it was someone I know. now they want to pile everything back on me to keep paying for things I did n't buy. Chase did n't help me. I have already claimed financial hardship with my other creditors. I 'm XXXX years old, living on social security and recovering from a XXXX. This is a disaster.
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS ADDED A DISPUTE TO MY ACCOUNT THAT EFFECTED MY XXXX XXXX, I CALLED XXXX SEVERAL TIMES THEY TOLD ME THERE IS NO DISPUTE ON MY ACCOUNT, THEY HAD ENSURED ME THAT THEY REMOVED THE INCORRECT REMARK ON MY ACCOUNT, YET TILL TOAY 4 MONTHS LATER THE REMARK HAS NOT BEEN REMOVED.
Product: Money transfer, virtual currency, or money service

( Block.com ) due inadequate customer service and unfair practices, which violates the consumer protection Act ( CFPB ) specifically, cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund transfer Act ( EFTA ) and Regulations E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XX/XX/year>, XXXX XXXX services know if you're approved with no credit score impact before you accepted the offer with a soft pull Again on XX/XX/year> they did a hard pull I called XXXX XXXX times they told me to write to the XXXX department and I wrote out the letters and sent them by mail with no callbacks or responses I talked to Experian as well and they told me to contact you and the FTC which I will do next. 

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

I upon checking my credit report on Experian credit reporting agency I noticed an inaccurate public report still reporting inaccurately such as : XXXX public report account # XXXX, date : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX I am getting very frustrated with Experian auto generated electronic responses stating account have been verified they never investigate properly ever. 

Last Warning!!! I will be seeking legal advice with the attorney general if this inaccurate account is not removed immediately.This account is not reporting on XXXX, XXXX nor XXXX XXXX because it has been deleted from all 3 credit reporting agencies.

This public record is in violation on section code 15USC 1681 ( I ) 7 and this account is inconsistent across all credit bureaus.Credit bureaus have a responsibility to report accurate and consistent consumer account information. 

I have attached copies of the proof XXXX and XXXX are not reporting the public record account listed above for they have deleted the inaccurate public record account as required by the fair credit reporting act law. Also included is a copy of a letter I received from the bankruptcy court stating they dont verify any information with any credit reporting agencies. Do the needful Experian and stop stating that you verified this inaccurate public record account and delete it immediately as all others credit reporting agencies have done. 

I am requesting all this information : XXXX. The names and businesses of each individual with whom you verified the account information above, so that I may follow up. 

XXXX. The date you contacted the furnishers of information. 

XXXX. The method of communication you used to verify the information. 

XXXX. All documentation proving inaccurate information was indeed accurate. 

Again remove this inaccurate inconsistent account immediately within 15 days and send me a updated copy of my credit report to my address on file thank you for your understanding.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumers financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX  i spoke to a representative agent name 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 four 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 accounts 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 10 times. XXXX 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 two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I was a victim of Identity theft, and Experian takes the word of XXXX even though I am uploading proof, yet Experian will not provide me with proof of investigation. I have a verified Experian account. Yet they can not give me proof. I want the XXXX charges off my account immediately. I also want proof of the investigation. Experian does not do an actual investigation, nor does the company care about the people they affect. The only entity that they defend is their clients like XXXX. This issue is a conflict of interest as XXXX is a client of Experian. If Experian investigates the said crime, they will see that I have a perfect credit history ( higher than XXXX. Why would I have to get any service from XXXX with this credit score? I'm also a Veteran with a XXXX membership that gives me access to low-interest loans. I am demanding the info provided to Experian by XXXX be given to me as I have already proven that I am the real person in question, and I have uploaded the FTC document. I also have stated the NY address is NOT MY ADDRESS!! This is in conjunction with a complaint filed against XXXX XXXX. I have made numerous phone calls that go in circles. The amount is {$2000.00} and appeared around XXXX.
Product: Vehicle loan or lease

In XX/XX/2020, I filed bankruptcy. Capital One was listed on my bankruptcy but I wanted to keep making car payments because I didn't intend to surrender the vehicle. I filed pro se. Capital One promptly closed the account and transferred it to another lender without notifying me in writing. I called the number that they gave me and no-one ever answered my calls to get information. Concurrently, Capital One wasn't answering my calls either. The bankruptcy was dismissed because the filing period was too short. Capital One re-opened the file and marked it past due 6 months. Well now I am unemployed and they were demanding full payment or one payment before talking to negotiate. I wanted to negotiate beforehand because there was no guarantee they would settle or negotiate terms after I paid. They repossessed the vehicle without letting me know so that I could collect my things after I asked them to give me the courtesy heads up so I could clean it out. I asked for record of communication from them notifying me that they were transferring the account to another lender when I filed bankruptcy and the declined and said they didn't have one, nor did they have a phone number for this company other than an internal transfer number. So they transferred to a subsidiary of Captial One which is a loophole around the bankruptcy stay. They have only sent me 1 written communication since XX/XX/2020 and I just received it in XXXX. 

I am filing a complaint because I feel these practices are unethical. I am not upset about the repossession but the fact that they denied me every right and protection as a consumer leading up to the repossession.
Product: Debt collection

this is my 2nd request to Head Mercantile Co, Inc dba SOS GROUP about some alleged debts of XXXX ; XXXX and XXXX that i don't owe.I sent my first request on XX/XX/2021 which they didn't respond, and now i'm sending my last request on XX/XX/2021 before i turn this matter over to my attorney to sue.they have violated 15 USC 1692 ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card

I opened a Capital One XXXX card with the promotion of getting XXXX bonus points when spending $ XXXX in the first three months. I specifically opened the card for these bonus miles to transfer the miles to an airline and get a good deal on flights. I hit the $ XXXX in the first month and got the miles. Now when I go to XXXX  and go to the convert rewards tile, it asks me for a 2 step authentication, I put my number in and it says the number won't work because it doesn't match my billing address or not under my name. My initial phone number, that is correct. The phone is under my husband 's company so the bill doesn't go to my home. My husband tried to convince me that this was discriminatory actions on Capital Ones part for someone not having their own personal line and that I should complain. I talked to multiple people for multiple hours and they said there was nothing they could do. I wanted to fix the problem so I went out and bought a new phone and an entire new phone plan just with my name on it thinking it must solve the problem. Now I am getting the exact same error. This is impossible since everything is registered to me. Again I called Capital One and talked to many many people, all who said they can't do anything. They are holding my points hostage. Every time someone tells me I should just use a different type of reward redemption. There was no where in the contract said that I couldn't convert miles. I attached photos of exactly what is happening.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The ATM At Huntington Bank Destroyed My Check I Made A Claim They Said Wait 10 BUSINESS days I Waited They Said They Couldnt Find The Check So They Couldnt Credit Me But in my complain i clearly stated the atm jammed or something it was malfunctioning it was makin nosies I canceled the transaction it didnt even release my card I had to yank it out the atm my self and had to order a new card and everything I stated the port to the check opened but never released the check I tried to pull it out and it was ripped and destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a letter to remove personal information that I do not want on my credit report, as per the Fair Credit Reporting Act, 15 USC 1681. I have the right to privacy. Further, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. These are clear violations of my federally protected consumer rights. 

Experian had responded with information not specific. I will include the specific information that I had provided on the Experian website. 

Wrong names : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told them every inquiry and every account except XXXX was fraudulent and most of the accounts was open when I was in the hospital and I should not have any collections on my account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE NUMBER XXXX IM DISPUTING AN INQUIERY, AND THERE HAS BEEN NO PROGRESS, YOUR RESPONSE IS THAT YOU WILL CHECK BACK WITH THEM AFTER 60 DAYS! I NEED MY CREDIT REPAIRED AND DISPUTES RESOLVED ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX XXXX XXXXXXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.
Product: Bank account or service

On XXXX/XXXX/16, I received a call from a representative of Bank America. Her name was XXXX. She informed me that an unknown person in Florida had applied for and was issued a XXXX with XXXX XXXX. I did not apply for nor authorize such a card. A charge of {$2100.00} was approved. Attempted charges with XXXX in the amount of {$2800.00} was declined. My address on the record in XXXX XXXX XXXX XXXX. Why would Bank America issue a card to someone in Florida without contacting me about the different address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX and Capital Accounts XXXX XXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX
Product: Checking or savings account

Hi, I opened a checking account in the First Tech Federal Credit Union for the referral bonus of {$100.00} with a deposit of {$250.00}, so I signed up using one of the links provided by the person. After the successful opening of the checking account, I deposited {$250.00} ( XXXX ) and it's been more than 2 months ever since I deposited the amount. The term said that I need to have {$250.00} for a month until the bonus posts. I never got my bonus and I contacted them via a secured message. Now, they are stating that I need to provide them with the information of the referrer, which I do not have and this was not in the terms for the {$100.00} referral bonus. The term specifically said to open the checking account under their link or with their promotion code and deposit {$250.00}, nothing about letting them know about the referrer 's information. 

Thank you.
Product: Mortgage

In this month XX/XX/2021 ( not sure of date ) I applied for a loan from Wells Fargo. The house that I want to finance is free of any debt. I really want to finance the house to make repairs. I applied for $ XXXX- {$30.00} to complete all repairs. I was turned down without any explanation or reason, why because of the neighborhood or my race or my sex. I have been with Wells Fargo over 20 years. Maybe its just not enough money for them to consider the the financing. 
I am so used to being mistreated and turned down because of my race, age and gender but I am also angry. Why? Wells Fargo did send me a packet but soon after a letter followed saying that they were sorry that they were not able to help me. 
XXXX XXXX XXXX XXXX wi XXXX