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

on XX/XX/2021 i found out that someone cloned my debit card and withdrawal on XX/XX/2021 {$700.00} from my checking account using ATM in 3 separate transaction while i was home all day on that day. they used my pin number as well which i memorize never wrote down anywhere. bluebird by American Express denied my claim twice even after submitting police report and fraud deceleration form. they stating there is no error found. i need help to get my stolen money back and stop those criminals from doing that to another consumer.
Product: Bank account or service

I am a customer of Chase bank from XXXX. I deposit a check about two month before from my friend in XXXX in XXXX. Chase bank suspeneded the check and withhold the money from my friend 's account. When I want to ask the money back, chase bank manager keep telling me different ways to verify the maker of the check, which did not work. They first ask my friend to fix her name with her phone number through the verizon company, when my friend did that, they said their public record system says my friend 's name did not match the phone number, which is incredible. Then they ask my friend to recall that check, but it has been more than one month and the XXXX in XXXX refuse to do that since they have no reason to recall a correct check. Chase then told me to ask my friend to to go a chase branch to verify it ; however, there is no chase brank in Iowa city where my friend lived. Two weeks before my friend occasionally have a chance to travel to XXXX and she go the chase branch, this time chase told me my friend and I have to be in a chase branch simultaneously while I was travel in everglades national park. I really get XXXX and ask for another alternative solution, Then they finally agree to give me a copy of the check and ask me to mail to my friend in Iowa and notarize the check within the same page, and then return the document to chase. What drives me crazy is that after I did that and bring the notarized copy of check and a letter from XXXX clarify the issue back to chase, they refuse to accept the document and ask me to get my friend to a chase bank branch again. They just keep cheating to me in a few months. Now I suspect they do not even want to return the money to me and want to occupy it by all means. My friend and I are international students, we do not have that much time to deal with the issue. I also think chase does not have the right to withhold the money since XXXX in XXXX already approve the transaction and send a letter to clarify it. I really get tired with dealing the issue for almost three month and I already close the account, but when will they return the money to me or my friend. I wonder if CFPB could help me to resolve it, thank you very much!
Product: Credit card or prepaid card

We have a Barclaycard Ring Mastercard with Barclays. To date we have owed three payments, two made electronically through our bank, XXXX  XXXX XXXX, and one by phone. Both electronic payments were made on time, but both times Barclays claims not to have received the payment and charged us late fees. In the first instance, Barclays finally acknowledged the payment and reversed the fee. In the second, there has not yet been any resolution. We have contacted both Barclays and XXXX XXXX XXXX. 

Note Barclays for some reason does not accept electronic payments from other banks : the sending bank converts the payment to a check, meant to be received by the scheduled day. In both these instances XXXX XXXX XXXX sent the payment, to be received on time, and deducted money from our account on the schedule day ; in both instances Barclays 1 ) cashed the check five days later ( according to XXXX XXXX XXXX ) ; 2 ) did not acknowledge cashing the check even a week afterwards. 

Either Barclays back office systems are horrifically bad, or, more likely, this is a systemic practice to generate late fees and trigger higher interest rates based on penalty clauses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got account an inquiries that are inaccurate need to be removed from my report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to Equifax, and it seems that you are simply ignoring my attempts at correcting my credit report. I do not believe any investigation has ever taken place because if there had been, this account would not be reporting inaccurately. I've detailed creditor names, account numbers, and facts taken directly from my credit report that prove why they need to be deleted. I have even sent proof of payment for the month that's reporting late. What doesn't make sense to me is that in addition to being inaccurate, these accounts are also in violation for continued reporting. I am attaching an invoice detailing the violations Equifax committed. Please remit payment to the address on the True Bill. I am also attaching my credit report showing that Equifax moved my late payment from XX/XX/XXXX to XX/XX/XXXX instead of deleting it. They then changed the late payment back to XX/XX/XXXX. Please pay the attached invoice and remove the late payment from my credit report due to inaccurate reporting and gross misconduct on your part! I will be seeking legal action if the following account is not deleted along with the said amount due to the many FCRA violations. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. 
Friday XXXX XXXX, 2017, upon reading the news of a massive data security breach at Equifax, I went to verify whether my personal credit information may have been compromised like that of so many others. Without enrolling in any sort of program ( in order to avoid waiving any legal rights ), I checked my situation through their security page and found that indeed my information and credit may be in trouble as a result of Equifax 's inadequate security. I then went ahead and submitted a 90-day credit alert request through their site to be submitted to each reporting agency. That is all for now.
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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information and inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiry not later than 4 business days. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit card

I am writing in regards to my account with G.E. Capital Retail Bank, now Synchrony Bank, for a store ( Banana Republic ) XXXX card I had from XX/XX/XXXX- XX/XX/XXXX. 

In XX/XX/XXXX, this issue was resolved regarding uncredited payments ( see CFPB complaint case no : XXXX ). However on my most recent credit reports ( with XXXX and XXXX ), the information shows up again as a " Charge Off '' and that my information was sold to XXXX XXXX XXXX to collect my unpaid debt- a debt of which I am unaware. To my knowledge, I paid this account in full and closed the account. 

The floor supervisor in the Recovery Department at G.E./Synchrony, XXXX, researched the matter per my phone call today, XXXX XXXX. The alleged unpaid debt is a minuscule amount- $ XXXX and comes after my correspondence and phone calls with G.E. Capital Retail Bank paying the account in full and closing the account in XX/XX/XXXX. 

Furthermore, XXXX tells me that records show that the last statements were returned to G.E. Bank in XX/XX/XXXX. Though she is unclear as to why I would be receiving statements after my account was closed, she surmises that the {$11.00} is outstanding interest, though she can not be sure since the alleged debt has been charged off. 

Synchrony should transfer my account back from XXXX XXXX XXXX, the company to which my account was sold in XX/XX/XXXX. Please note, this sale of incorrect information was a year and nine months after I believed the account to be paid in full and closed! Furthermore, Synchrony should provide a detailed, itemized report of alleged outstanding debt. Finally, Synchrony should report to all XXXX credit bureaus that my account is " Pays As Agreed '' and closed at consumer 's request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian and XXXX credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.
Product: Credit reporting or other personal consumer reports

Im seeking your help to address this incorrect account appearing on my credit report. This concern has been brought to your attention because it has harmed my reputation, and I need your assistance. Due to your mishandling of my credit report, the incorrect information has devastated my reputation. These errors must be corrected so that I can live peacefully with my family.
Product: Credit card or prepaid card

On XX/XX/XXXX I was taken to a website that I thought was for a breathing machine I just received. It ended up being a scam and charged my credit card XXXX and XXXX. These charges were pending for 7 days and when I called to let the credit card company know they told me I needed to wait until these amounts actually got charged to my account. They did charge to my account so I called the bank XX/XX/XXXX at XXXX a.m. and was on hold for about XXXX mins and I was speaking to someone outside of the USA. They transferred me to the USA and I waited on hold for another 30 minutes and spoke to a woman that said I would need to speak to customer care to dispute a charge. She transferred me and I was on hold for 2 hours. I hung up very frustrated. What kind of a corporation has their customers wait that long? 

Last night, XX/XX/XXXX while I was sleeping they left a message about some fraudulent activity on my account. I called XX/XX/XXXX at XXXX in the morning and got an animated voice stating that I was trying to make a purchase for XXXX at a computer store. It said to press 3 if this wasn't you and I did. It proceeded to transfer me and I waited about 15 minutes on hold and actually got the same person I spoke to in the morning. She said if I needed to make a dispute and cancel my card I would need to speak to customer care and proceeded to transfer me at XXXX and I was on hold for over an hour. 

I want to cancel this card!!!! I want my dispute completed, but most importantly I want this card canceled, please!!!! 

The credit card is BJ 's Mastercard through XXXXXXXX XXXX which I think is held through XXXX XXXX?
Product: Debt collection

I have been getting up to XXXX or more phonecalls from Navient a day, mostly recordings, for the past week to 10 days. Some calls are before XXXX & some are after XXXX. I am a co-signer on my son 's student loans but he has been making the payments faithfully since he graduated in 2011 with an occasional late payment due to lack of sufficient income at the time. Right now his income is minimal & he is in between paychecks, but he always eventually will pay what he owes. They start calling almost the day after the payment 's due date if it has n't been made on time. They also call my cell phone & my son 's cell phone almost as many times making it 10+ times a day they are calling. I 've received no written correspondence from them, just repeated phonecalls & I consider this harassment.
Product: Money transfer, virtual currency, or money service

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

I examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 or other personal consumer reports

I am REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Student loan

I do n't that my loan amount and interest being made to pay is correct, I feel as though I 'm being over charged a substantial amount of money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint with the case law 15 USC 1681sub section 604 explaining that a consumer reporting company can not report anything negative on my report without my written consent!! And they did not remove the XXXX XXXX XXXX ( XXXX ) that's been closed on my accounts for more than 10 years they claim it's a verified acct when that's not what I asked
Product: Credit card or prepaid card

this is a complaint about Target redcard, which is a credit card. 

I have close to {$400.00} balance on my card which I called the customer service trying to get a refund check. I made the request in the last week of XX/XX/2023, they claimed they sent the check, but after a month, I received nothing. And then they said they will reissue me a check, and then I called again following up on the issue on XX/XX/XXXX, and they promised they sent the check that day. But almost another 20 days passed, still received nothing. I kept calling the customer service, trying to ask what's going on with my check, I was told there is no tracking number or check number they can locate to prove they sent the check. But then offered to resend the check for the 3rd time on XX/XX/XXXX. I am beyond frustration, they even asked me to check with USPS blaming them to lose the check. I seriously doubt they have sent me any check at this point, and their customer service contact has no way to escalate this issue beyond the agents I talked to. Please investigate, and help get my money back. thanks!
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the color of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8.

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit.

I firmly believe that the state of Wyoming, through its Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law.

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft.

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My husband and I were approved for a loan modification from Bank of America in XXXX 2015. We made the four scheduled payments on time and were to receive XXXX copies of the agreement to sign 10 days after the fourth payment. We have made 6 payments and still have not received the paperwork to sign and our credit was ruined during this process. We receive a delinquency notice on XXXX XXXX saying we owe XXXX. We have not missed any payments and we continue to get lied to by the relationship manager. All she will say is that we are working on it. They are causing us undue XXXX and my husband is XXXX. We just want answers as to why this process is taking so long and all we are told is that we made the payments too early which is not true. The payments are due on the XXXX of the month and my husband pays it after the third week for the following month when he gets his XXXX check. We have not been delinquent and we want this resolved so we can repair our credit that Bank of America has ruined for us.
Product: Vehicle loan or lease

We are in a pandemic and because my contract is expired they are wanting me to pay {$5000.00} as my last Payment or they are going to report me to the credit bureaus as late instead of me making my regular Payment of {$1100.00}. I was told because my contract is up regardless of covid and me being able to afford the additional {$4000.00} for this pay period they are going to report me late anyway. Covid doesnt matter.