23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a rental car with XXXX via XXXX For XX/XX/year> upon arrival I was charged for XXXX separate refundable deposits XXXX for XXXX and another for XXXX. ( I was only supposed to be charged for XXXX deposit!!!!!! ) they told me both are refundable and are just for accidentals! And will be returned! Moving forward the car given to me was super unsafe and did not meet standards problems such as a broken drivers door, broken/ missing headlights, and I found out the horn didnt work while driving! Putting me in a life threatening situation! I contacted the Rental Company with all my grievances in hopes of an exchange for a safer vehicle! They told me they didnt have any and that they would call me when XXXX became available ( they never called me ) I ended up returning the car and the person doing the inspection told me the money I deposited ( $ XXXX {$250.00} ) will return in XXXX  days.. the company ends up trying to keep both deposits with claims that I returned the car dirty! $ XXXX the company is trying to scam me out of for false claims!! And CAPITAL ONE IS ALLOWING IT TO HAPPEN! no proof no proper investigations are done by CAPITAL ONE! they never even attempted to contact XXXX! and since I made a claim with me bank XXXX can no longer negotiate on my behalf so its solely up to CAPITAL ONE to thwart this companys attempt of fraud!!! I have a another complain with Capital ONE being handled by a XXXX EXT XXXX whom I attempted to contact on multiple occasions ( email, voicemail ) and Ive never received or heard anything back!! The communication is horrible I can never get in touch with the representative no matter what do! Capital One is allowing me to get scammed and is failing to properly protect their customers from fraudulent situations as such! ( assign someone other than XXXX please someone the returns calls or reaches out! )
Product: Debt collection

My father and I each get a random phone call from from a local phone number ( XXXX ) XXXX. My father answers his phone and the person on the other end says he's trying to contact me. He gives my father a call back number, ( XXXX ) XXXX. I call the number. The man who picks up says his name is XXXX XXXX, but he doesn't have a debt collector ID number. He says I owe a {$310.00} debt with U.S. Bank from the year 2010. He mentioned possible litigation if I don't resolve the issue immediately. He also had my name, date of birth, and last four digits of my social security number. I feel as though it was a fraudulent attempt to try and steal money from me.
Product: Credit reporting or other personal consumer reports

We received a letter from Wells Fargo in late XX/XX/XXXX. The communication was dated XX/XX/XXXX, from Wells Fargo Customer CareXXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " During a recent review of our current and former customer accounts, our records indicated that you were enrolled in the Identity Theft Protection- Affinion product. The enrollment began XX/XX/XXXX and ended XX/XX/XXXX. 
If you feel that the enrollment in this product was not authorized or not warranted by you, please call us within 60 days of the date of this letter so that we may care for any impact this enrollment may have caused. Otherwise, no action is needed. 
If you have questions regarding enrollment in this product, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. 
Thank you, Wells Fargo Customer Care '' XXXX  XXXX MEMBERSHIP NUMBER XXXX Reference Number XXXX We called the number provided in XX/XX/XXXX. We asked why, if the service were discontinued in XX/XX/XXXX was our Wells Fargo account debited {$15.00} each month through XX/XX/XXXX? We were offered a refund of {$170.00} for " interest and fees ''. We requested refund of the full amount debited from our account over 13 years, ( {$2400.00} ) for a service that no longer existed. This resulted in an agent " graciously '' offering to add {$250.00} additional to our compensation. With each hold and transfer, agents would give first name only and no call back information. It was obvious that this third party did not have authority to reverse the charges against our account. Their resolution was to mail {$420.00} to us along with a letter to initiate litigation. This " Wells Fargo Customer Care '' call center is merely a time consuming buffer to Well Fargo 's responsibility to customer care.
Product: Credit card

Credit card company informed me that the cash advance APR would be increased from 19.49 % to 25.24 % effective XXXX XXXX, 2016. How do they get to raise their interest rates so high? The majority of banks barely pay the consumer 1 % on savings or checking accounts. It is outrageous that they can charge such an exorbitant fee and yet pay the consumer an interest rate that is dreadfully low.
Product: Credit reporting or other personal consumer reports

It is about Lexington law credit repair This company have me paying a fee of XXXX dollars every month to fix my credit and nothing was done i think is a scam please see i can get a refund from that scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX andXX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted Waypoint this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX  without providing any information about the XXXX account. I, again, called Waypoint in XX/XX/XXXX of this year and insisted that they research the bad debt. They gave me a XXXX  phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX  but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX  called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX  but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because Waypoint, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX   claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!
Product: Debt collection

I am not liable for this debt with BK OF AMER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$55.00}
Product: Checking or savings account

XX/XX/2021 someone hacked into my us bank mobile app and sent XXXX $ to their XXXX  account from my savings, I immediately called us bank fraud dept and reported it after several weeks of having my accounts frozen and mistakes made by us bank on the process of changing my username and all accounts when first i was told to just change my password and now that I have it straight they tell me that they will not help me get the XXXX back from XXXX because they believe i was the one who did it
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/2021
Product: Checking or savings account

Well Im banking with chime banking and on the XXXX of XXXX I woke up to a closed account I called chime headquarters and the number on back of my card they could not tell me why they closed my account they literally stolen my money and now me and my kids have nothing and I dont no what to do I tried calling them they just puts me on hold and hangs up some one please help my number is XXXX
Product: Credit card or prepaid card

City Bank - Costco Visa card XXXX City Bank - Homedepot {$4900.00} XXXX XXXX XXXX {$8700.00} I registered for Covid assistant to skip a payment. I am one of the employee who got furloughed due to COVID-19 back in XXXX from XXXX XXXX XXXX XXXX. 
I Am taking money out from my XXXX so I can pay off this 3 agencies. I requested a extension because it takes 30 to 45 days to get the founds and it got denied. By my surprise is that they have been charging me late fee and reporting late payment every month to the tree credits bureau on all this months and that have brought my accounts to the limit where they have treated me to close my accounts. 
Bad credit is giving me a super hard time to get a place to live that I can afford my self and my XXXX sons. I am really struggling at the moment trying to get a solution and thats why I am doing this complaint and I beg you to please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to allow me to obtain my credit report through XXXX. Equifax refused to explain why I can not use the online method to receive said report made the consumer wait 14 day to send said report via regular mail. After receiving said report I tried to dispute inaccurate information via telephone. Equifax demanded I provide a telephone and email address to file a dispute then sent a text link via mobile phone and said the consumer had to upload a copy of their driver license and social security card via unsecured mobile lines to dispute inaccuracies on credit report. No where in the FRCA act does it say consumer must download person information i.e. drivers license and social security card via mobile telephone to dispute inaccuracies. Equifax is illegally requiring consumer to turn over private and sensitive data via mobile phone without guarantee security and the mobile telephones are not tracking and keeping this sensitive information. In addition telling consumer it's a requirement to dispute inaccuracies via telephone. I want CFBP to investigate this illegal practice of demanding consumers upload personal information to dispute inaccuracies on credit files and how many consumers has been impacted or denied the opportunities to file dispute via telephone. I want CFBP to enact and enforce laws stopping this illegal practice of demanding consumers risk security of releasing personal information to mobile telephone companies to dispute inaccuracies on credit report and hold Equifax accountable for this illegal practice.
Product: Checking or savings account

On XX/XX/XXXX, I saw thousands and thousands of dollars going out o my checking and savings account. I called them. They told me to call the fraud dpt. I did. They kept letting it happen, and, {$13000.00} later, I have just over {$100.00} left. They will not return phone calls, they will not put the $ back, and in fact, now they're charging me for my balance being so low ... even though they're the ones that let that happen. I make special note this is the second time they've allowed this to happen ... I filed a complaint with you guys a few months ago for the same thing ... and about a month later, they finally put the $ back. Problem is ... this time it's all my , I have nothing left, having to borrow from family just to go to the grocery store.
Product: Debt collection

LVNV has placed a debt on my credit that I paid XXXX XXXX XXXX for {$760.00}. I paid XXXX this amount on XX/XX/XXXX. I provided LVNV a letter from XXXX stating that the debt was paid, I also sent proof of payment from my bank statement. I emailed the info on XX/XX/XXXX and faxed the proof on XX/XX/XXXX. I have also called on 3 separate occasions. However, LVNV is stating they dont have enough info to remove the debt. LVNV bought the debt from XXXX who bought the debt from XXXX XXXX.
Product: Debt collection

I am writing to file a follow-up complaint regarding **CFPB Case # XXXX concerning **Oliphant Financial, LLC** and their handling of my account. In their formal response, they stated that they would delete the tradeline from my credit report as a courtesy, despite not acknowledging the validity of the allegations made in my original complaint. 

To date, I have not seen this tradeline removed from my credit reports with the major credit bureaus. This is a clear violation of their commitment to delete the tradeline and resolve the issue promptly. 

As of now, I have received an additional statement with a different balance from the one previously stated, and my attempts to contact Oliphant Financial at the phone number provided ( XXXX ) were unsuccessful, as it is no longer in service. Given this, I am requesting that the **Consumer Financial Protection Bureau** take immediate action to enforce Oliphants promise to delete this tradeline from all of my credit reports. 

In addition to this request, I would like to bring to your attention the following issues : 1. The absence of a valid, working customer service contact, making it impossible to resolve any issues directly with Oliphant Financial. 
2. The continuing presence of inaccurate and misleading information on my credit file despite their promise to delete the tradeline. 

I ask that you assist in ensuring that this tradeline is deleted immediately, as stated in their response, and that they comply with the promises made regarding my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting

Because I have tried to dispute incorrect information with this company and gotten no results or replies this is a better recourse. Because of a lawsuit filed against XXXX, a judgment against me has been removed. As well as collections of the Account and the account should show this status. I KNOW this has ALREADY been done as XXXX shows it when I look at my information there. Attached is cooperating proof of what is supposed to be done. Equifax has a history of not maintaining correct information not only for myself but for many others if the little investigation I 've done is any proof.
Product: Credit card or prepaid card

I booked a flight with the HSBC rewards program. My card was supposed to be charged for the entire amount {$740.00} USD and a statement credit of {$650.00} USD to be issued for the Points I selected ( XXXX ). 
HSBC never posted the credit nor removed the points as agreed. 
I have contacted the client service team multiple time and even though they said they had a tech issue and that the Back Office would address this problem its over a month now I have no updates or status from their side. 
Every time I called the service team said a supervisor needs to action but there was not one available at any point. 
I have also raised the concern with my relationship manager, no solution provided. 
As a consequence I am taking a loss of {$650.00} that was not part of my financial planning for the month and there is no response from the institution. 
The ref of the claim is XXXX ( I managed to get a # after many many times asking ) - however I wouldn't trust the HSBC tracking method for open claims as the multiple times I called there seemed to be no proper register.
Product: Money transfer, virtual currency, or money service

In XXXX and XXXX of 2013 two transactions were made on my paypal account. The funds were withdrawn from my debit card. I was incarcerated at this time and reported fraud when I was released and this came to my attention. I was told that I am liable regardless. That account was charged off and submitted for claim. I am still trying to resolve this and have been told that this is friendly fraud. I did nothing wrong. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter ( attached ) to XXXX and Transunion about having incorrect personal information in the consumer report, I demanded to be fix and remove old addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate, also to remove incorrect names. 
Its been more than 30 days and they ignored my request. 

Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I give you my written instructions to furnish the information just as it says on the letter attached. 
I'm including my social security, and two bills with my current address. 

Please do not ignore my request and come out with the excuse that you cant locate my file or you don't have my authorization or you dont recognized this complaint by me.. 
I have seen plenty of complaints in the cfpb with XXXX and you like to come out with this type of excuses.
Product: Credit card

My Capital One credit card has been closed due to a mistake by Capital One and my request. My credit still reflects a balance, there should be no balance it was paid in full. Also Capital One agreed to remove this account entirely from my credit report.
Product: Credit card

A Florida company named " XXXX '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. XXXX then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / XXXX. 6 months prior. When XXXX executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an XXXX dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a XXXX signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of XXXX contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from XXXX. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to XXXX for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # XXXX on Lifetime and # XXXX on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Transunion has placed a fraudulent account on my credit report and has failed to provide where they are receiving this information the following account needs to be removed if it Can not be verified : XXXX XXXX Transunion continues to send credit reports which is not a verifiable way to prove the debt belongs to me
Product: Debt collection

This debt was placed in a bankruptcy and LVNV placed on he debt on my credit report as if I still owe the debt. The debt to is now passed the statute of limitations.
Product: Debt collection

Online Collections recently reported a collection account on my credit report. They had already reported this same collection account on my credit report for a period of seven years. However, due to the seven year rule on the Fair Credit Reporting Act, the account simply dropped off my credit report. Recently, Online Collection changed the date of last activity on this account ; I assume so they could put it back on my credit report. But this time, they did not provide a notice of right to dispute before reporting it.
Product: Bank account or service

I deposited my paycheck from the state of California at a Bank of America teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting the lender, Chase A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to Chase that  they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a widowed mother of a XXXX XXXX. I expect this to be corrected by Chase, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.