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

I've had so many problems as a result of customer service at Citi Bank and the AAadvantage card. 

1st Issue : I did not receive the card for 1.5 months after signing up because they had my apartment number wrong. I called 3 times and each time no one recognized the error. 
2nd Issue : I had to postpone a major purchase that I was planning in order to meet the minimum. 

3rd Issue : After 2 days of use, I had my first fraud. 

4th Issue : They would not expedite a new card and I had to wait another week to receive the 2nd card ( still postponing the purchase ). 

5th issue : When I went to make this purchase I was denied at XXXX XXXX   because the purchase was too large 6th Issue : When i tried to call on the spot at XXXX XXXX  to get them to allow the purchase, I was on the phone for 1 hour trying to verify my identity ( apparently social security number wasn't enough ). After a myriad of questioning, 2 supervisors, and them telling me they could not verify my identity to make the purchase, they asked for another credit card number and for the number of that credit card company. 

7th issue : When i finally made the rewards, I realized that the flights offered on XXXX XXXX were the worst possible routes. For example ... XXXX to XXXX with 2 stops and an 8 hour layover. 

8th Issue : After less than a year of use I stopped using. I was charged a XXXX dollar membership fee on XXXX statement when the first year fee should have been waived. I did not make my first purchase until end of XX/XX/2018 because it took so long for the card to arrive. 

9th issue : I received a late fee, of which they were unwilling to waive because of the membership fee that was charged early. 

10th issue : After only 1 month, the bill was sent to collections! 

11th Issue : I was on the phone for 2 hours with customer service trying to get the membership fee either waived or credited. After speaking with 5 different representatives I finally learned that I could transfer to another card and receive a credit on that new card. Still no late fee waived. 

12th Issue : The person on the line who transferred my credit card would not allow me to interrupt his recorded required speech on the new card and thus i was forced to write my questions down until the end of his 15 minute speech. One question was ... is the address up to date. It was not, and of course he said he could not change that address now because he was too far into the process. I had to call back in order to change it. He informed I should pay the balance off right away online 13th Issue : I went to pay the credit card off online and of course I could not because the card had already been transferred. I had to call back and pay by phone.
Product: Debt collection

I got a robo call saying i was in collections and when I called the number back I got the run around they were asking me personal information i am on the black web been compromised with XXXX and someone is usng my info
Product: Debt collection

I wrote a check # XXXX to XXXX XXXX for {$20.00} in XXXX, Ca. They ran the check electronically ( Telecheck ) to get their money right then, but did not give me back the check. XXXX XXXX deposited the check through their bank. They got paid XXXX times. My bank reversed payment on the first electronically made payment. Now the check service has forwarded the debt to TRS Recovery Services, Inc for collection. TRS Recovery Services would like us to pay them for this again. They have called XXXX times before XXXX XXXX. My wife has talked to three different people at TRS about this and they still ca n't get it right. I have talked to XXXX XXXX, they said they would call ( Telecheck ) and take care of it. They have not done this at this time. Now this is going on my record that I wrote a bad check. Guess what? I 'm not buying from XXXX again! 
What can you do about this?? I have all the paper work from the Bank. I have forwarded this to the TRS Recovery Services. Fax # XXXX Can you give me any help on this? 
Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud on your account. I called XXXX ( XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX  XXXX and XXXX XXXX which has made almost XXXX hard and soft inquiries. XXXX with XXXX also has posted un requested inquiries. XXXX does not accept banks that are not national, XXXX sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. XXXX, XXXX, and Equifax all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.
Product: Credit reporting or other personal consumer reports

Last year i started a complaint over innacuracies Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removedhas recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights a consumer
Product: Credit reporting or other personal consumer reports

I checked my credit report and I spotted an inaccurate and unverified accounts listed in my credit report. The other credit reporting agencies do not list this account on my credit report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXr XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I make my American Express payments via electronic payments from my XXXX checking account and have done so for years. I received a Late Payment charge ( {$29.00} ) this month on XX/XX/XXXX. The payment was due on XX/XX/XXXX. 

XXXX 's records show ( attached proof.pdf ) the payment was XXXX on XX/XX/XXXX and Accepted by Payee ( AMEX ) on XX/XX/XXXX. AMEX did not post the payment to my account until XX/XX/XXXX. 
I contacted AMEX and they reversed the Late fee. 

I repeatedly contacted AMEX about concerns I have for future payments since it appears they have changed their processing schedule. They replied ( attached AMEX Reply.pdf ) by placing the blame on " third-party '' processor, namely XXXX. When I contacted XXXX, they stood by the Accepted date as the date AMEX received payment. XXXX could not ( as expected ) comment on why AMEX chose to not process the payment until after the Due date forcing a Late payment charge.
Product: Debt collection

I recently sent a request for validation not verification letter to XXXX XXXX XXXX XXXX XXXX. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.
Product: Money transfer, virtual currency, or money service

Person made a post on XXXX selling car parts on XX/XX/21. I proceeded to buy car part from this person for {$1000.00} thru XXXX and my bank Capital One. Found out next day XX/XX/21 it was a scam, I immediately contacted XXXX and Captial One about the fraud/scam. Both companies said they could not help get my money back and refuse to help which I'd think I'd be protected against fraud from my own bank, but was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX XXXX XXXX ( Original Creditor XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ask company to investigate account to make sure is everything 100 % accurate and correct according to FCRA. Company is still reporting inaccurate information harming my credit. 
Account name : XXXX Account number : XXXX XXXX  ) XXXX, ( equifax XXXX XXXX, Is this the same account? 

1, In XXXXXXXX XXXX XXXXXXXX reported ok ( paid ), but in XXXXXXXX XXXX Equifax reported the date of 1st delinquency. Which bureau is 100 % accurate? 

2. In XXXXXXXX XXXX XXXXXXXX reported ok ( paid ), but in XXXX, XXXX  Equifax reported 30 days late. Which bureau is100 % accurate? 

3. In XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX reported paid ( ok ), but Equifax reported in XXXXXXXX XXXX  was the last payment made. Which bureau is 100 % accurate?
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer protection rights to my privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ). 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 looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I am a California resident since XXXX. I last traveled outside the state to Texas in XXXX. Recently, PAM sent me a notice of delinquent fees claiming I drove on a XXXX XXXX. PAM refuses to provide documentation to prove their case because the proof does not exist. PAM continues to harass me for a debt that I do not owe A review of the XXXX website shows PAM LLC had 329 complaints against them for billing relating to the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Fair Collections & Outsourcing ( FCO ) due to their failure to respond to CFPB complaint # XXXX, which was submitted over 60 days ago without a resolution. This complaint follows an earlier dispute ( # XXXX ) in which I provided substantial evidence of consumer rights violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

In my previous complaint, I highlighted multiple violations committed by FCO, including : Failure to validate the debt as required under 15 U.S.C. 1692g.

Failure to provide proof of licensure to collect debt in Texas.

Inaccurate reporting of payment history on a collection account, which is explicitly prohibited under FCRA guidelines. 
FCOs only response was a " cease and desist '' claim, failing to address my request for deletion or provide proper documentation supporting their reporting. Since then, I have obtained confirmation from the original creditor that I was never a primary account holder, and they were unable to validate the balance reported by FCO. This further demonstrates that FCO is reporting false and unverifiable information in violation of 15 U.S.C. 1681s-2.

Additionally, FCO and its owner, XXXX XXXX, have a documented history of unlawful debt collection practices, including a settlement requiring FCO to pay {$850000.00} for consumer protection violations. Given this pattern of misconduct, their failure to properly address my complaint is unacceptable.

FCO has already exceeded the time limit for response, and further delay is unacceptable. I expect immediate corrective action.
Product: Student loan

I have filed for Chapter XXXX bankruptcy and I need to pay on my student loans during the course of my bankruptcy outside of the trustee payments. I do not have access to my account to make the payments. The financial institutions have removed my access and ability to pay on my loans without having to call and wait on hold while my phone call is escalated to another person to schedule a loan payment. 
This practice does not allow me to make payments available to other borrowers and adds unnecessary obstacles for me to make my payments. I need to take time off of work to call during business hours. High interest is building on my loans as I am under bankruptcy protection, so these barriers are very detrimental to me.
Product: Credit card or prepaid card

XXXX 2019 got card from discover some hacking into account XXXX can boost cefit score balance manipulated app process was being sabatoged
Product: Credit card or prepaid card

Received an automated text stating : My Best Buy Credit Card : Thank you for applying for My Best Buy credit card. Visit http : XXXX for the credit card terms and conditions.
Product: Credit card

I applied for a Chase XXXX credit card account and was approved. I added XXXX additional authorized users and we received our cards in the mail in a timely manner. Upon receiving the cards we began to use them to pay bills. After about 5 days after we started using them the card charges were no longer authorized. When we inquired as to why, they said they had suspected some fraudulent activity on the account and would get back to us after the investigation. Being concerned that someone had gotten our card numbers, I call Chase and asked them to close the account and open a new XXXX for us and send us new cards. We did not hear back from Chase for about 10 days so we call them. After many calls we were finally directed to XXXX XXXX in Fraud operations. He said they were investigating the account for fraudulent activity. I asked him what kind of fraudulent activity and he said is was a report from an independent agency that Chase used to monitor credit card use. I explained that all of the charges on our account were ours and that there was no fraudulent activity from our end. I confirmed my address and SSN for him and he said he would get back to me. After waiting 5 more days, I called him. He did not answer and I left a message. I made XXXX more calls to XXXX XXXX and left a message each time. He never called back. XX/XX/XXXX I got a letter from XXXX XXXX saying that they were investigating possible fraudulent activity on my account and to please call him at my earliest convenience. I called him on and got a recorded message. I left him a message. I did not hear back the next day so I called and left another message. I did not get a call back from XXXX XXXX so I called Chase and asked to speak to his supervisor. After being on the line for 28 minutes I was given the number XXXX and was told that she was waiting for my call. I called her and left a message. I doubt I will hear back from her.
Product: Prepaid card

Well my husband and I split up and I put money on a NetSpend card and yet I lost the card on purpose as bait trying to see if someone would steal it and so I bought other cards and loaded them they couldn't get to my money though it was just {$100.00} put up for my future. I like to leave money in my past to cover my XXXX in the future and who ever XXXX that helps me so I thought since you can't look up any account without my social security card and they pulled it up just like i thought XXXX lost that card and was trying to get it transferred to the card i have now I dont remember the exact dates XXXX or XXXX but thats why they wouldn't do the transfer