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

I signed up for a credit card at a express store in XXXX, CA in XX/XX/XXXX and when I received my bill in late XX/XX/XXXX it had a late fee. I paid that late fee instead of disputing it and continued making regular payments until XX/XX/XXXX when I paid the remaining amount on the account. Fast forward to XX/XX/XXXX I ran my credit with a service that came free with XXXX   and my score was about 200 points lower than it was on XX/XX/XXXX stating that I had a balance on that express card and it reported late fees. When I called XXXX XXXX ( the bank express uses ) they acknowledged the error and removed the late fees, but said I had to  send in a dispute to get it off my credit report. The cashier at the express typed my address off of my ID and left out the apt number, but I didn't notice this till I started researching how I could owe this much so I'm not sure how I was supposed to receive the bill and why XXXX XXXX couldnt removed this reported late fee after they removed the charges from my account.
Product: Credit card

On XX/XX/2024, I contacted USAA and spoke to an agent who was not helpful in advising how to dispute with the unauthorized charges on the USAA Secured Credit Card. She did however advise that she noted the account that there were fraudulent charges. I submitted an Identity Theft Affidavit, My Drivers License and Dispute Letter to USAA Document Uploads which confirmed that they were delivered to an agent on XX/XX/2024. I initiated a dispute with the credit bureaus as there were fraudulent charges on this credit card that were not authorized by me that I learned of after the account was closed. I have attempted to seek a resolution to this matter by requesting this account removed from my credit reports from XXXX, XXXX, and XXXX. I have not received any notification from USAA that they are complying with the FCRA 605B to have these listings removed from my credit file. I notified USAA multiple times via phone and document upload of fraud associated with the USAA Secured Card. I notified once again and some fraudulent charges were credited along with late fees and interest leaving the account no longer past due and current with a credit balance of - {$170.00} as of XXXX. USAA continues to report the account and has even added a delinquency in XXXX that doesn't exist due to the account being current. USAA has not handled this matter properly under FCRA.
Product: Debt collection

I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.
Product: Checking or savings account

Wells Fargo closed my account after there were frauds that were made on my account. I ended up losing {$2000.00} and {$1300.00} from a merchant Called XXXX. They were unwilling to follow after XXXX and get my funds back so I ended losing {$2000.00} dollars. They did not investigate regarding the XXXX dollars and reversed it because I took all my money out of my account. Can you guys please help me with Wells Fargo because they are trying to keep my account at negative XXXX after my account been scammed and they are not helping me recover the funds. They are the worst bank their customer service was the worst and they look at their customers as XXXX  always instead of helping them. The claim never had a final resolution they are only reversing everything because they told me to take out my money out of my account before the XXXX of XXXX which I did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Credit reporting or other personal consumer reports

This is my 9th request but no one seems to care. I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The contract terms weren't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. This contract was generic in it's nature and was unclear for me to interpret accurately and XXXX failed to confirm if the contracts terms were clear. This grave error by XXXX is deceptive and malicious and has caused my family hardship.
Product: Credit reporting or other personal consumer reports

There are incorrect entries on my credit report related to 15 USC 1681c-2, with unauthorized inquiries hurting my credit. I request the removal of all hard inquiries I did not approve. Thanks!
Product: Consumer Loan

I have been a Penfed Credit Union member over 8 years. I applied for $ XXXX signature loan, was denied, and the reason was too high loan balance? No explanation was given. The only account I have with Penfed C.U. is a $ XXXX XXXX, with a balance the was was $ XXXX, but has been paid down to {$6700.00}. My wife is a retired XXXX with a XXXX month pension and I am semi-retired with {$1300.00} monthly Social Security and I work part-time as a XXXX with {$3500.00} monthly additional income. Our mortgage payment is XXXX monthly, plus some smaller monthly payments.The Penfed phone employee did not listen to me and my reason for the installment loan request. I personally felt age discrimination. Please follow-up with Penfed.
Product: Credit card or prepaid card

On XX/XX/XXXX - I applied for the XXXX XXXX XXXX Credit Card through J.P. Morgan Chase. I received an invitation in the mail that I was pre-approved with the XXXX credit card based on my history of banking with Chase. I was given a unique invite code to apply on my application. 

The first red flag occurred when I applied for this credit card, where I received a message letting me know that Chase needed to review my application further. I received zero communication until XX/XX/XXXX. The communication received on XX/XX/XXXX asked that I call Chase 's number ( XXXX ) to confirm if the application was mine. I called the number, only to be placed on hold for XXXX hours and being dropped off from Chase . As shown in the screenshots below, I was put on hold separate times for XXXX, XXXX, XXXX minutes with no answer from Chase. I tried calling back again on XX/XX/XXXX with the same issues. I have a full-time job and can not wait around all day for someone to help me with this. 

I went ahead and called Chase client services ( a separate division ) to see if they would be able to connect me, they were able to connect me to a representative to look at my application. The representative did not seem knowledgeable at all and said my application was denied on XXXX when I had applied. I let the representative know that I received communication that I needed to call back the number provided above to confirm my application. He seemed confused and said he would transfer me to the next representative. However, I was again on hold for XXXX minutes and then dropped from the call from Chase . 

In this instance, Chase has failed to notify me immediately that my application was denied - resulting in me waiting to receive a credit line and further delaying purchases I was planning on making. Additionally, Chase has failed to properly amend the issue of confirming my account application by not answering the phone and dropping me off after XXXX minutes of waiting. The lack of communication, inability to resolve the issue and misleading pre-approved marketing that I was sent is why I am writing this complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 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 XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent XXXX  $ via zelle to an email titled " XXXX '' to a man titled XXXX on XX/XX/XXXX for an additional piece to add to my camera. Not only did the product not come in the mail resulting in a scam but my bank told me there is nothing they can do to refund my money for it.
Product: Mortgage

This servicer actively makes it extremely difficult, if not impossible, to get to a customer service agent when calling their phone number XXXX. I was locked out of my online portal this morning ( XX/XX/XXXX ) when trying to retrieve my XXXX tax document for the XXXX tax year. I spent over XXXX minutes on the phone pressing various options to attempt to get to a customer service agent to try to fix the issue. None of the options were applicable to an online account issue so I kept repeatedly pushing XXXX and saying " agent '' and the phone tree kept responding that it was an invalid selection, then ultimately hung up on me. Even if an option were theoretically applicable to my situation, I am someone in their 30s who is fully fluent in English. I am not sure how seniors or people with more limited English skills are able to interact with this lender.

For a servicer to be this opposed to having borrowers actually speak to someone is appalling. I am unable to actually speak to someone because this lender thinks it's appropriate to hang up on someone when none of their options are applicable to their situation.
Product: Vehicle loan or lease

I hope all of you are satisfied in the taking my car without any notice late Friday XXXX, we never heard them and I hope your satisficed now that we have no way of getting anywhere, We had a funeral to go to on Saturday and we did not have any way of getting there, We are now trapped in our home with no vehicles and I am suffering from XXXX XXXXXXXX XXXX. I counted all of the emails I sent to GM and they were in the teens, I let all of you know that I was going to be late but yet all of you simply ignored every one of them. I thought this was rude, in fact, down right disrespectful and mean to take our car while we were sleeping, is this the way you work, being very sneaky. All of my belongings and important papers are in the car but yet you made the decision to have it towed away anyway without notifying me. I read that by the law you are to let me know if my car is in repo status, no one ever called or emailed me regarding this situation. Furthermore, we were going to pay the past due balance but I could not because you have me locked out of my account, how did you expect me to pay, did not give me a chance, but you rather take the car late on a Friday XXXX without our knowledge, which I think was wrong and it is a sneaky way of doing business. We have no idea how we are going to get the car back home ; my wife can not drive due to her XXXX XXXX and I do not have a way to get there, you had to choose the furthest destination which I thought was very unacceptable. 

I am very disturbed by your actions of repossessing my XXXX on a late Friday XXXX with all of my belongs still remaining in the car. I can not believe you would stoop this low to get my car. You have ignored all of my emails, which I sent every day to you regarding why I was late on my payments, you ignored the fact that I had a XXXX XXXX and XXXX XXXX XXXX you ignored the emails regarding my wife 's XXXX XXXXXXXX. I have no way of getting my car back, you sent an agent that is so far away now, we are now strapped to get the car back. We planned on making our past due payments today. I wanted to do it online but you have me locked out to do anything, I tried so hard to work with you to get this paid, but again all of you simply ignored my emails and none of you contacted me in writing notifying that my car was being repossessed, if I would have known this, we would have paid the past due balance. I tried to pay the past due balance on line but again you have me locked out. I am very disturbed with your actions, that you ignored everything I sent by email. I have no way to get to my XXXX and my wife has no way of getting to her XXXXXXXX XXXX just because of your rush to judgment to obtain my car.
Product: Credit reporting or other personal consumer reports

i requested my annual credit report on XX/XX/2023 from the credit bereaus and none of them furnished a copy
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I uploaded a dispute letter through Experian 's online portal requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

Despite submitting my dispute through the proper channel and providing all necessary details, I have not received any response from Experian. This complete lack of response indicates that Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ), which mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Experian 's failure to conduct a reasonable investigation and provide a timely response is a blatant violation of my consumer rights under the FCRA.
Product: Checking or savings account

Chime financial inc refuses to give me my money back!!! Im filing arbitration immediately!!!! They need to actually investigate!! I uploaded police report and evidence that the merchant responded saying there was an error!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX My account reference Number : XXXX This company runs the accounts for XXXX XXXX a health club that automatically deducts a membership fee every month. This is fine since I signed the contract, however, when calling to cancel and talking to a representative that took express detail to ensure she called up the correct account I now have to write a letter and wait at least 30 days after the letter is received to cancel my membership. This will ensure multiple payments are additionally charged to my credit card. This should have been handled immediately on the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXXXXXX XXXX  Reported Balance of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting.

REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is XXXX. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Product: Credit reporting, credit repair services, or other personal consumer reports

The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.
Product: Credit reporting, credit repair services, 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX XXXX XXXX Credit Card Services and XXXX On XX/XX/XXXX I clicked on an advertisement on XXXX for their XXXX  Visa Card from XXXX. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that XXXX XXXX XXXX had taken a Hard Inquiry from XXXX XXXX Experian. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to XXXX XXXX XXXX. 

I called XXXX XXXX at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for XXXX minutes before I disconnected the call, without resolution. 

Given that Neither XXXX XXXX nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called every credit company and even sent in mail, and my addresses don't match up and the chargers don't match up, as well as I've seen hard and inquires hit my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan for a course. After being in the course for less than a month I didn't like the course and I wanted to get a refund. Before they even sent me the information claiming that my loan was fully processed I emailed them and even contacted the company mentioning that I wasn't satisfied with the service and I no longer wanted the loan. I didn't receive a email back with any other information until a month later which was when they procced the loan. I don't get any emails back, I not getting any help from the company I got the course from and they told me that they are a company so they still need to make money. Before they could even process the loan I tried to contact them multiple times still haven't received any response.
Product: Credit card or prepaid card

i XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX PHONE XXXX I XXXX XXXX XXXX : XXXX had cancelled transaction of amount {$28.00} Date : XX/XX/2023. 


My Pre Paid Center will not release amount. It is now XX/XX/2023. 

You cant talk to any employee at this card company. 

Please help. 

Thank you.