23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was sitting at work on XX/XX/2023 when I got a notification on my cell phone of a payment for XXXX being approved at a XXXX. I did not authorize nor does anyone have access to my card, in fact the card was in my possession at the time of transaction so I have no idea how this payment was able to be approved. I am not a wealthy person and this was all the money I had in my account leaving me and my XXXX children completely without anything. Immediately after the notification came across my phone I called and disputed it with American Express and XXXX. American Express had failed to properly investigate my dispute not once but twice and declined both disputes. XXXX to this date has not responded to my dispute. I am frustrated, sad and completely out of options..I have been without my funds for a month now and American Express and XXXX has made it clear they do not care that I am a victim of fraud.
Product: Debt collection

I had a membership at XXXX XXXX but the card I was using expired without me knowing. I stopped going to the gym and forgot but they kept charging my expired debit card somehow and by the time I knew it they sent my account to collections and sold it to debt collectors
Product: Consumer Loan

I submitted a previous complaint # XXXX against Regional Acceptance Corp. Please refer to my original complaint which is the origin for contacting XXXX. Contacted the IRS when I received these letters stating I owed {$990.00} in which the IRS said ; it did not send no such letters. Attached XXXX scheme letters using the IRS as a way to obtain money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs
Product: Credit card

Over the course of having my account with Apple Cards ( Goldman Sachs ) I received charges for XXXX XXXX  of {$9.00} every month, sometimes more frequently for a subscription service that I did not enroll in or purchase. I disputed the charges month after month, and each time an agent of the Credit Card Company " Issued me a new card number '', stating this would resolve my issue. Each month, XXXX XXXX  continued to charge me. When I reached out to apple, they told me over the phone several times that they provided my new card number to XXXX XXXX so I didn't have to update my card information manually with them. Repeatedly I questioned why they would provide my information to a merchant whose transactions I was disputing. I never got an answer. 

In XXXX I decided NOT to use my card any further. In XXXX, I logged in to my Wallet App, which is the Online Banking system they offer, and found that my Apple Card was removed from my app. I called Apple Card customer service, and they had no idea what was going on. I asked them to MAIL me a statement so that I could review any charges while their " escalation team '' investigated my issue and reached out to me ( time frame of XXXX business days was given ). I never got a call or a statement. I called them back, and still no one could provide information, and I was even advised by the employee NOT to make my payment ( to be processed over the phone ) until I was able to review my statement. 2 weeks passed, and still no statement in the mail. I verified they had my correct address, contact information, and that there was nothing else I needed to check before they sent out my statement. 

Surprise, I never got my statement. At this point I am frustrated and I call back, and ask to be escalated to a supervisor. The supervisor assured me that he would personally review and track my case to their escalations team and ensure they got back to me. Now the company is reporting my payment as late for an account I have XXXX access too. The following 5 months were filled with calls identical to the ones described above without resolution. They have since closed and charged off my account. This is unacceptable. As an XXXX XXXX XXXX XXXX XXXXXXXX, I couldn't believe the way they handled my situation, and I am looking to have the account removed from my credit reporting effective XX/XX/2024. 

XXXX has phone recordings of our conversations. They must provide information on their investigations to me or delete their derogatory reporting from my credit report.
Product: Money transfer, virtual currency, or money service

The XXXX dollars that Cash APp nor XX/XX/XXXXXXXX helping to under law get me back my money. My many attempts via Cash App trying reclaim my funds by scam by XX/XX/XXXX This bad business practices and my money should be furnished to me not scammers allowed keep money Regardless of how it was paid when attempts to obtain it back was fully made. 

Money not returned by Cash APP orXX/XX/XXXX XXXX seeking legal action for it
Product: Credit reporting or other personal consumer reports

I applied for an auto loan. XXXX XXXX, XXXX - XXXX XXXX was used through some of the banks listed on several of my CFPB complaints on file already. That credit score was half ( and much lower ) than what was reported by the other three credit bureaus. 

I just opened all of my notices from XXXX XXXX. There is no report attached. Lexis Nexis claims they could not verify my identity. So, they are unable to produce a report. 

How did the banks obtain that information if Lexis Nexis was unable to verify my identity? 

All legal documents were produced heavily with secondary and tertiary style identification. 

How am I supposed to dispute an alleged low credit score through XXXX XXXX, XXXX - XXXX XXXX if they can't pull the report. And how were they able to provide a credit score to the bank, but I can not get a copy of my own report?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to get all 3 credit companies to investigate my reports for violatins on their behalf but i have not gotten any response or updates and they have violated my rights as an consumer!
Product: Mortgage

I requested the PMI to be removed from my home. We have owned the home for more than 2 years and our property value has drastically increased. My request was denied and they said that our valuation tool showed the value had not increased and have failed to provide me the valuation tool they used. They clearly just used the sales price. Now I have to spend {$190.00} to have a BPO completed. I would like Freedom Mortgage investigated for not following procedures. They did not do their due diligence and research, they simply just used the sales price which is older than 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela is refusing to supply me with information of a loan, however they are continuing to report false information onto my credit report. The loan has since been moved and in good standing with a new provider ( XXXX ). I spoke with a supervisor name XXXX and he refused to provide verification and validation on a account from 2004 ( which is still reporting on my credit ). I would like for this account to be removed from all 3 credit agencies. They have changed the dates so that it fits int the stautue of limitation and this is completely fraudulent on Mohela 's behalf.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> CCB/ALPCOS added a derogatory remark on my credit report per CREDIT BUREAU ( XXXX, XXXX, XXXX REPORTING THE COLLECTION ). Upon further research, this account was transferred/sold, and I am no longer responsible for this account. Debtor creditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say it's mine. According to the FCRA ( CCB/ALPCOS ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an unauthorized credit inquiry appearing on my credit report, dated XX/XX/2024. Despite my efforts to resolve this matter directly with the financial institution, they have refused to provide documentary evidence demonstrating the permissible purpose for accessing my credit report. 

The financial institution claimed the inquiry was based on an application for credit submitted through XXXX XXXX XXXX, providing a permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, they failed to provide any supporting documentation. 

I believe the inquiry was unauthorized, and the institution 's refusal to provide requested documentation raises concerns about compliance with the FCRA and handling of consumer disputes. 

I request the Consumer Financial Protection Bureau to investigate and ensure removal of the unauthorized inquiry from my consumer report. Additionally, hold the institution accountable for failure to comply with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 Two disputes were filed regarding debt to a company I have had no transaction or business with upon filing dispute and uploading supporting documents and affidavit of identity theft the CRA updated and verified information and did not attempt to investigate or follow procedures regarding the dispute
Product: Credit card

I opened a TJ Maxx account from synchrony Bank months ago and when I saw the way they were treating me with the Lowes home improvement account. I hurried and paid the TJ Maxx account off and I closed that account. I reapplied for a TJ Maxx account because now I work there. I just received a letter in the mail from synchrony bank that they denied me because of poor credit history paying my bill with them. Well that bill was paid on time all the time and it was paid off. There are some bad shenanigans going on with synchrony bank and Im telling you what if Im the one and only person that does a class action thats whats gon na happen because Im tired of being throttled when Im doing the right thing!
Product: Student loan

I currently have XXXX Loans from Navient. They have screwed up a bunch of my payments. Last year in XXXX I applied to have my payments reduced because I was unable to make the payments. They told me they would inform me if I was accepted to have them reduced. They took double the amount of money out of my account and when I called back later that month they told me that I was denied, and that I could apply for it to have it reduced for one year. So that being the only thing that I could do I accepted, and the process I went through to be approved took forever. They messed up my information did not inform me how much and when my payments were to be made. Dealing with Navient has been nothing but trouble and causing me nothing but stress.
Product: Consumer Loan

XXXX 2016 a deferment of my XXXX 2016 payment was requested. State Farm failed to meet their end of the obligation and get the paperwork to my residence informing me of my interest due and any other required documents. Even though numerous attempts at multiple levels of the company have been made to rectify this issue, they continue to apply each payment to the month prior and mark it as a delinquent payment. This circumstance is beyond unfortunate and borders on a thorough violation of ethical standards for a corporation involving treatment of loan holders.
Product: Credit card or prepaid card

XX/XX/2022 I applied for a credit card through capital one. I was approved for a quicksilver secured XXXX and needed to make a deposit of {$200.00} towards the card to receive it in the mail. I entered my savings account number and the {$200.00} was taken out of my account. When I called to change the mailing address for the credit card, capital one claimed, there was nothing under that name or social security number. After a week of calling capital one every day and getting no help, Im deciding to put this into my own hands as fraud or neglect because the {$200.00} was already taken out of my savings and capital one cant seem to find anything in my name.
Product: Credit reporting, credit repair services, 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, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company - Transunion XX/XX/2017 received a bill for {$1.00} and XXXX Contacted XXXX Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from Transunion. 

I have called a Transunion XXXX and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account. 

I would like to have all the money refunded to me and stop payment to Transunion. 
Please - HELP!
Product: Payday loan, title loan, personal loan, or advance loan

This lender has been predatory won't allow me to change payment dates. Harassed me lied to me during the signing process added unexpected fees forced me into signing a new loan agreement. Representatives have also swore at me and degraded me and ruined my credit. Loan totals XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for free credit report through Experian when I was buying a house. They started charging me monthly. I contacted my credit card company after several unsuccessful attempts to contact them. My credit card disputed it, but monthly it shows up that I owe them and I never wanted anything but the free service. I changed cards 3 times and somehow each different card with different numbers were still being charged. Finally I closed the credit card that this was being charged to> I am still being charged even with a closed account!
Product: Mortgage

This is a second complaint regarding the same issue ( # XXXX ). 
All requested documents have been provided to company. Emails sent in XXXX and XX/XX/XXXX, have not been responded to by the assigned individual, XXXX XXXX. 

I contacted Customer Service at NewRez on XX/XX/XXXX, and was told by Supervisor XXXX XXXX an assumption should not take this long and a complaint would be escalated. 

This assumption request was started in XX/XX/XXXX, and it still has not been completed.
Product: Checking or savings account

While I was XXXX  from XXXX released family member stole my arm debitcard made several purchases and atm withdrawals illegally and without my knowledge or consent. Family member guessed my pin number because it was birthday of XXXX  of my children. Why didn't the fraud department stop several atm cash withdrawal in one day? Knowing this isn't my normal routine or behavior. My account suppose to have XXXX $ arm withdrawal limit per day but yet the bank let thousands of dollars get withdrawn out in one day. Why?. 
Transaction are as follows : 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 $ That's whole lot of atm withdrawals in one day for the bank to not notice. I filed police report on XX/XX/24 with XXXX XXXX # XXXX police report # XXXX. Provided it to the bank with proof of my being XXXX  during these dates that I couldn't have used or made these purchases. Bmo bank said they will not reimburse me or help me get my funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI also have a fraud account on my credit report essential lending I account number XXXX this is not my account please delete immediately
Product: Credit card

Hi, I recently got a Citi Thankyou Premier card a few months back. I realized after a couple of months of use that the Citi Doublecash would serve me better than points, and after speaking to a few friends that had done a conversion to this card, decided that this would be the best path to take. When I chatted into Citi, they said that this would be possible, but I would need to call. When I called, I was told that I was simply not eligible for a conversion, and they could not tell me why. Since I have other friends who have done a conversion from this card, I am a bit offended that Citi has chosen to make me not eligible for a conversion, and feel that this may be discriminatory based off of factors that Citi is not willing to reveal to me. If this is due to discrimination, it is illegal and is in violation of the CARD act of 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim with the Bank for {$2500.00} for a payment to court ( bail fee for a family member ) The total amount that was charged by court was {$2600.00} I authorized the transaction but court was supposed to refund {$2500.00} ( total bail payment minus transaction fee ) upon court appearance but they failed to do that, so I called Chase to file a claim for the {$2500.00}. 
Chase made a mistake on the amount I was disputing and requested the total amount {$2600.00} instead of {$2500.00} and they failed to resolved the claim sending me supporting docs showing I authorized the charge which I never deny. I called Chase to file a claim not for an amount I didnt authorize but for an amount that I authorized and then was supposed to be later refunded to me. I called to get the dispute reopen and they told me to do it at a branch. Then I go to the branch to do it and they told me I just need to type up a letter explaining why I want the dispute to be reopened which I could have done from my house instead of going to the branch. The branch was supposed to fax the letter to Chase claim depart but unable to reproduce a fax receipt ( what a joke ) After visiting the branch, trip I could have saved, I called Chase claim depart to ask if they have received the fax from the branch and still were not able to answer, they said it takes 3-4 days for them to see the faxes as it goes first to another team which have to upload docs ( one again very inefficient ). I asked to speak with a manager who was not very nice either. 

Now they put a remark on my credit report which is affecting my score that states " consumer disputes after resolution ' what the heck resolution is that? I find the Chase claim depart very inefficient and I am demanding the remark to be deleted as I am just trying to get the dispute reopened because Chase made a mistake and came up to a wrong conclusion/ resolution.
Product: Credit card

They informed me that I would need to re-apply with a new Apple Account to obtain a new Apple Card. This would determine my eligibility for a new Apple Card account. However, the Bank can not guarantee approval when applying for an Apple Card account. My complaint also mentions being added as a Co-Owner to an existing Apple Card account. If I am facing difficulties being added as a Co-Owner to an existing Apple Card account, the Account Owner should contact the Bank for further assistance and troubleshooting. 

Despite my repeated attempts and the Banks assurances that I could reapply and potentially get approved, none of these efforts have been successful. They continue to lie to me, claiming that I can reapply and potentially get approved. When I spoke to support, they seemed unable to understand my situation. It appears that my SSN is blocked, but they refuse to disclose this information and are misleading me about my ability to apply again. As a result, I was wrongly accused of suspicious activity due to being scammed. They persist in denying that there are any flags, despite the evidence to the contrary. I will take legal action against them since they are blatantly lying and refusing to reinstate my account. I will be more cautious in my future purchases. I have also recorded audio conversations with your workers, where they quoted false information after I repeatedly asked them to provide accurate details. This behavior is inappropriate and false. Regarding the audio recording I sent you, you did not bother listening to it, which is unacceptable. Instead, you dismiss it by saying, Oh, there was nothing wrong with what they said. Its all true. However, you are clearly lying. I will ensure that this issue is resolved in one way or another.
Product: Mortgage

Im writing to express that my foreclosure need to be postponed and the assignment filed in  XXXX   XXXX , Georgia need to be investigated for fraud. The servic er, Select Portfolio Servicing has  been informed several occasions prior to  XXXX   XXXX ,   XXXX   that the loan was transferred illegally through the assignment. A  Qualified Written Request ( QWR ) and Proof of Claim surrounding the mortgage loan was sent to the servicer and they are   claiming that that they never received my documents. Thats the reason why Im sending it through the CFPB.   The servicer refused my payment after I became 30 days late. They are trying to take my house and not acting in good faith. I want to keep my home and requesting a postponement and hopefully obtain a forbearance.
Product: Credit card or prepaid card

On XX/XX/2021, I noticed 4 charges from Amazon that posted on my Chase credit card account that I did not make or authorize. The fraud charges totaled up to {$1100.00}. I called Amazon and verified that my credit card information was found on another customer 's account that turned out to be under my ex-roommate 's name. When I called Chase, the bank informed me that they had sent out an updated credit card with a tap feature in the mail, however I had never received the card in the mail and suspect it was stolen by my former roommate. I filed a police report and disputed the fraud charges with Chase. I provided Chase copies of my Amazon purchase history and the police report number. However, Chase denied my fraud dispute and did not provide a reason as to why as it was denied. Chase never informed me that they were sending me an updated card and I believe my rights as a consumer were not protected.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX