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

I opened a citi doublecash card with a 0 % promotional offer. On XX/XX/XXXX I was charged {$74.00} in interest. I have not used this card for any cash advances etc. I asked for a supervisor and they said that the supervisor will tell me the same thing that they do not see the offer on my account. They also said they are not even sure if they have branch locations in my area. I asked to cancel or rectify the situation and I was transferred to nowhere. I am having an extremely difficult time getting this situation taken care of and in the meantime they are mailing me more and more 0 % credit card offers for the same card I already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items were removed by XXXX  I check my credit for accuracy and XXXX had place the accounts back on my profile at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 section 4 - States I have the right to privacy.

15 USC 1681 section 604a section 2 - Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was buying a puppy and was asked to pay through Zelle. I was under the impression that was similar to XXXX. As if the transaction did not go through or the purchase or item was not given that I would be able to get my money back. I was notified after that the person did not exist, and I was out {$500.00}. My bank and Zelle told me that it was my mistake and that I would not be refunded. Even though Zelle flagged this person on their end for multiple scams with the same item..
Product: Credit card or prepaid card

I opened a new acct with Synchrony Bank a Lowes Store card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my Lowes card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep this acct open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info
Product: Credit reporting

The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.
Product: Debt collection

On XX/XX/2021, Midland Credit Management contacted via mail to collect an alleged debt that I now know, according to 15 US 1692, that I do not owe. 

This company violated the FCRA and the FDCPA and the documentation attached will show proof of this. 

I have included as well an Affidavit of Truth ( original signed and notarized ), Debt Validation letter ( original signed ), as well as an invoice so that the company can repay for the debt collected on their behalf that was not permitted being that I, the consumer, am the Original Creditor per 15 USC 1602j ( 2 ).

Also, the information ( address, phone number, account info, alleged debt amount ) obtained from Midland Credit Management for the collection of this alleged debt was never consented by me, the consumer. Violation of 15 USC 1692c ( b ).

The amount total already collected from me that I wish to be repaid is in the amount of {$710.00}, as well as the total for the remaining alleged debt amount due {$400.00}. 

The date the letters and exhibits were sent was XXXX and according to the XXXX tracking receipt, everything was received on XXXX.
Product: Credit card or prepaid card

I received a letter yesterday, XX/XX/2022, dated XX/XX/2022, from Chase Card Services, saying, " After careful consideration, we decided to close your credit account on XX/XX/2022 because your association with Chase credit card, deposit or investment account that was previously closed. '' Chase bank should have explained a reasonable cause to close my previous accounts. I believe chase bank 's action is not fair to its customer financially. The letter was mailed on XX/XX/2022. 

Chase Bank is biased against a particular customer. If I have any issue with my credit history or other reasons, they never issue a credit card to me. Because I called the bank credit card service, they did not come up with any reasonable cause. I want Chase Credit Card Services or Chase Bank to explain the real reason behind closing my credit card account.
Product: Bank account or service

We have been charged overdraft fees on our interest personal checking account on three different occasions over a period of four months. At no time on these three occasions was our account overdrawn. I log onto our online banking everyday and constantly monitor our activity. A printout of the most recent {$36.00} overdraft charge is attached. You can see that at no time did our account have a negative balance, but PNC charged an overdraft charge of {$36.00}. How can a bank charge an overdraft fee when the account to which it is charged does not have a negative balance? I think this is grounds for an investigation into a class action lawsuit. This has happened to us three times, and I 'm sure it has happened to other PNC consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a security freeze on my account. when I try to sign in to myequifax.com, I get this message : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I have called this number numerous times and have spoken with several agents. I understand the need for security to protect consumers from fraud but talking to foreign agents that speak a foreign language is useless. It would be easier to hack into my account than to deal with their agents. 
All I want to do is unlock my credit report to apply for a loan. 
I have been trying for 3 days, XXXX, and XX/XX/2022. 
Their identity verification process is ridiculous.
Product: Checking or savings account

I received an email upon waking up on XX/XX/XXXX stating my citibank online password has been changed. I did not do this so I called Citibank immediately. The automated system advised that the balance in my account was {$48.00} which I know was incorrect. Once I got someone on the phone I advised them that I received that email about my password being changed, which I did not do and I wanted to see what was going on. I spoke with XXXX from the fraud department, told her my account was hacked and accessed. She advised me that the people were able to make 3 XXXX transactions in the amounts of {$2000.00}, {$500.00} and {$580.00}. I'm not sure if this was done on XX/XX/XXXX or XX/XX/XXXX. 

This is a major hardship for me and my family. This is all the money we had. I'm not sure how I will pay for food, keep a roof over our heads if we don't get this back as soon as possible. 

I really need your help to get this rectified with Citibank. Thank you for your help. 

Sincerely, A very stressed out Momma.
Product: Credit reporting or other personal consumer reports

STATEMENT 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 Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Portfolio recovery open date XX/XX/XXXX balance {$850.00} Account ending XXXX, XXXX XXXX XXXX Account balance {$1500.00} account number ending XXXX open date XX/XX/XXXX, XXXX XXXX XXXX open date XX/XX/XXXX balance {$160.00} account number ending XXXX, XXXX open date XX/XX/XXXX Balance {$3800.00} account number ending XXXX, XXXX XXXX XXXX {$4700.00} open date XX/XX/XXXX account number ending XXXX, XXXX XXXX XXXX/ XXXX Open date, XX/XX/XXXX, balance XXXX account number ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX balance {$27000.00} open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$420000.00} XXXX XXXX {$1100.00}, XXXX date open XX/XX/XXXX balance {$200.00}
Product: Debt collection

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, regarding the XXXX XXXXXXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account in collections on my credit report with XXXX. I submitted the dispute yesterday and it was completed as accurate and not in my favor. This is the second time that I have disputed this and it has been completed as accurate and wont be taken off of my report. I had an XXXX hospital visit back in 2019. I was on Medicaid at the time and was told that I would not pay anything for the visit. I never got a bill for the ambulance or the visit. I feel that it is unfair that this should be on my credit report since I never received a bill for this. I have worked hard to fix my credit and this is the only account in collections. If I had gotten a bill I would have called to talk about it or I would have paid for it but I was not notified of anything that was owed. I was on Medicaid which means I was not responsible for those charges.
Product: Debt collection

The company repeatedly calls me multiple times a day. If I don't answer, they don't leave a message ; they simply keep calling until I respond. I've requested in writing on two separate occasions that they provide all information in writing, but I have yet to receive any documents from them.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to file a FTC report stating my credit was jeopardized by hackers due too the three billion people credit breach and my credit was and is affected by the scammers breach 3 billion XXXX citizens credit which no one seems to care about or due there due diligence on the behalf of the consumer being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA. After sending them my letter I received a return to sender as this company is not in business? 

This should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with XXXX  XXXX  and Equifax putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and by someone I trusted to do my credit repair, whose name is XXXX XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed EXPEDITIOUSLY!!!!
Product: Mortgage

Hi, I am part of the hundreds of customers that were denied a home loan modification by Wells Fargo in XX/XX/XXXX-XX/XX/XXXX when experienced financial distress due to employer furloughs and other financial reasons. I sent loan modification packages to Wells Fargo for 2 years and then, due to the loan modification denials, I was forced to short sale my home. 
Since a few months ago I have been in contact with Wells Fargo and they say that their " computer glitch '' did not affect their calculations and that my case is not elegible for financial compensation. 
I believe they are wrong and that my case needs to be investigated by an independent.
Product: Checking or savings account

This appears to be a recurring issue with Navy Federal in that they have no issue helping themselves to your bank accounts without warning or consent or any concern for any other obligations you may have. I paid my auto loan on XX/XX/XXXX with the next payment being due by XX/XX/XXXX. But NFCU initiated a transfer from my accounts on XX/XX/XXXX for that same loan and before my mortgage payment was deducted and credited which was on XX/XX/XXXX. I thought that by law mortgage payments had to be credited immediately yet NFCU waited for XXXX days. My mortgage balance is constantly being changed which affects my credit negatively but that is another matter. 
I initiated a transfer from XXXX of my external accounts into my NFCU account using XXXX. That transaction took XXXX  days to go through which is unacceptable but that cash transfer would have allowed me to make my monthly payment on my NFCU credit card in the amount of {$400.00}. That same card saw my payment double when my interest rate went up to the maximum they can charge for that particular card. So now my bank accounts with NFCU are XXXX. I can not afford to make a payment on my credit card because they misappropriated my funds to make a payment on a loan that was not even due! I am XXXX on limited income. My spouse passed away suddenly in XX/XX/XXXX and left the household income short to begin with but would have been manageable had they not taken my money to pay what they determined to be important. I am also dealing with fraud on my account but that card has been closed and I was supposed to pick up a new card at the branch until this happened. Their policy will not allow them to issue me a new card as long as the credit card remains past due I am told so I feel like this was some kind of orchestrated effort to penalize me. Does NFCU not care about their customers based on the way they handle accounts??
Product: Credit reporting or other personal consumer reports

Capital one account number XXXX was discharge in my XXXX bankruptcy filing this is the only other capital one card I have so the dates arealso incorrect XXXX no one would give credit I was still in my bankruptcy, alsoI see it has been reported XXXX they should not still be reporting to the credit bureau
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX  The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The list of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ).
Product: Credit card or prepaid card

On XX/XX/18 I returned a previously purchased item back to the store ( XXXX XXXX XXXX ) with the expectation of having the funds returned to the Bluebird card that was utilized for the purchase, in the amount of {$44.00}. 

On XX/XX/18, I noticed that the {$44.00} was pending to be returned to my account, but for some reason the returned item said the return was " under review ''. I contacted the American Express Bluebird company to get an explanation of what " under review '' meant. The customer service representative stated that its under review because the monies had not yet been received from the store returning the monies. So I stated that its untrue that monies are waiting to be received, because XXXX XXXX XXXX confirmed that the monies was returned to my card on XX/XX/18. 

I asked to speak with a supervisor ( XXXX ) who again stated that my account says " under review '' because the monies had not yet been received. The supervisor stated that the money would not be released into my account until XX/XX/18. 

I asked the supervisor how could the money not be received when it's stated in the account activity. The supervisor stated that all she could tell me was that I will have the funds released on XX/XX/18. 

I have never experienced this scenario before with this company. Anytime my monies have been returned on a purchase, I had my money released to my account. 

The American Express Bluebird card company has not been helpful at all. 

In addition, in the past I have had to recoup monies from the company for ATM fees that were never supposed to be charged. The company is unethical in its practices, and they are holding onto my money after its already been released by the company.
Product: Debt collection

I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from to have this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.