23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. XXXX XXXX  reported a XXXX XXXX Card to my Experian Credit File which I no way requested. I watch this regularly and found this issue timely. I started a dialog with XXXX. I worked with an investigator who was professional but ultimately unable to resolve the issue. Each time I called I had a higher burden of identification, starting simple with address, name on account and so on. This escalated until ONLY my SSID and birthdate would suffice. Note also that they never provided me an account number only a partial one that they would never acknowledge. I explained as plainly as I could that I have no real idea who I am speaking to and not inclined to provide this highly confidential info while I am already a target of fraud. They indicated to have the activity removed they require a high burden of documentation including a police report. They would not help with this nor did they seem to acknowledge any responsibility. I finally agreed to do that and provided the information timely. That is when I made my final call to verify docs were received. What transpired next made me uncomfortable. During each call I got a notification that the call is being recorded. Not a problem, however, by now I have lost faith so I indicated to the agent at XXXX that I am ALSO recording the discussion which I was. She indicated that while she is recording she can not continue the discussion if I am recording. At that point I told her we had reached an impasse, that I would not call back, and I disconnected the call. This activity is still on my credit report at this time. I firmly believe that this has something to do with the fact that if they can keep this on my report it won't end up on their report ( which is where it needs to be ). I wish I could attach the police report, however I sent it to truist and I am not inclined to retrieve another one.
Product: Credit card or prepaid card

Capital One Credit Card Division restricted all four of my credit cards with ending me a notice. Customer Service refuses to state the date of the restrictions and why. Capital One claims I am not who I am and refuses to explain why. 
Capital One Credit Card Division was hacked and I received a letter explaining my accounts were not involved and I have had no problems for all those months. NOW, it seems my accounts maybe or have been hacked but Capital One COMMITTED FRAUD against me AGAIN. IN XXXX, XXXX and XXXX ; I notified Capital One Credit Card Division, several times, about security problems in their website, they refused to do anything. I contacted your useless organization, three times ( once for each Year above ), but Consumer believed Capital One BUT later facts proved someone was and did Hack into Capital One Credit Card Division. I have, at least, two of those three letters from Consumer and Capital One calling my claims false. 
I have received NO NEW letter from Capital One EXplaining my accounts may have been hacked but Capital One NOW has restricted all four of my accounts and makes up excuses. 
The Customer Service Department LIED by stating my credit card denials were the caused BUT the credit Cards are current with no outstanding/late payments. The credit card denials are caused by the restrictions which I did not know until today XX/XX/XXXX ; when multiple cards were rejected for no reasons except the FRAUD committed by Capital One.
Product: Student loan

This is about my enrollment through XXXX. When I first enrolled at XXXX back in XX/XX/XXXX, I had no idea what I was getting myself into. I came in for a visit and by the end of that visit I was an enrolled student. I was pressured by the end of my visit into signing up for classes. The rushed my financial pack, which they completed everything on their own. I had no I idea about and interest rates and what I would be paying. I was blind sided coming, and the same exact reasons the CFPB is suing XXXX tech are some of the same issues that I have experience. I have been paying up to date in good faith, because yes I did attend the school so I have no issues paying. I first filed a complaint back in XX/XX/XXXX. But I believe there should be a better resolution. My loans are now through Navient. Because XXXX used high pressure sales tactics I believe there shoud be a better resolution.
Product: Debt collection

On XX/XX/XXXX I moved from an apartment complex by the name of XXXX XXXX XXXX. The housing complex absorbed my deposit which was around {$1400.00} and the debt was written off by the original creditor. I was contacted countless times by National Credit Systems Inc.the collection agency that I have to block them. I was surprised for them to still be able to call me just using another line of sorts. I was informed I could write a letter to have them cease communication with me in regards to the collection. I disputed the collection which in the amount of {$3000.00} with both the collection agency and the credit bureaus ( debt was opened listed XX/XX/XXXX ). I've written multiple dispute letters and none of the agencies can provide validation letters of the debt proving them amount owed or if it's even my debt. The collection agency forwarded me only a copy of a lease with what I assume are supposed to be my initials, but there isn't a clear signature. I keep asking for this debt to be closed and removed off all credit bureaus or renting database so that I can acquire housing, but they refuse stating the debt is valid even though they can not prove the debt and amount is even mine.
Product: Debt collection

I, XXXX XXXX XXXX have been making consistent payments ( since XX/XX/2023 ) to XXXX XXXX XXXX  on my credit card account ending in XXXX. I have been trying my best to make payments to them, even if I don't have much money and this bank referred my account to a debt collector. This was an unjust referral to a debt collector because I have been making consistent payments to XXXX XXXX XXXXXXXX. Furthermore, XXXX XXXX XXXXXXXX never notified me that they will transfer this account to a debt collector to give me a chance to pay the full balance, or work out some other arrangement. I feel this was very unethical act on behalf of XXXX XXXX XXXXXXXX to transfer my account to debt collector, without notifying me and giving me a chance to work out other arrangements, and additionally, since I was making consistent payments on this account. I have attached the payments I have sent to XXXX XXXX XXXXXXXX since XX/XX/2023. The following company is to whom XXXX XXXX XXXXXXXX transferred my account to. 

Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX http : //www.mercantilesolutions.com
Product: Credit card or prepaid card

I contacted XXXX  about CITI on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I can be reached at XXXX. My email address is XXXX. I am doing business with a real estate broker named XXXX XXXX of XXXX XXXX XXXX. XXXX  is representing SunTrust, a bank selling foreclosed properties. The subject property is XXXX XXXX XXXX, XXXX, ME. Two months ago I signed a contract to purchase the property for {$72000.00} which is approximately {$30000.00} over the asking price. To date we have not received a signed contract, and on XX/XX/2018 we signed a second contract at The request off SunTrust. XXXX XXXX is very cooperative and she is available at XXXX, or by email XXXX. 

Note : My title company a.k.a. XXXX XXXX in XXXX, ME, and my funding source, a self-directed IRA managed by XXXX XXXX XXXX are both prepared to fund and close the transaction. They are also very frustrated with the seller. 

SunTrust mortgage, XXXX XXXX XXXX, XXXX, VA XXXX On the contract they reference a loan number XXXX. 

XXXX XXXX believes they are servicing this matter from an office in Colorado.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  this show information it have payment same XXXX XXXX XXXX   and XXXX XXXX XXXX
Product: Credit reporting

I got XXXX collections on my transunion report that was deleted between XXXX XXXX and XXXX of 2017 and reinserted without prior notice and XXXX credit inquiries that was deleted and reinserted without prior notice, called them to solve the problem but they said they can not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX  with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.
Product: Checking or savings account

On the XXXX of XX/XX/2021 I received text messages that appeared to be from Chime fraud department asking if I attempted to make certain transactions and to reply yes or no I replayed no I then received a call from The chime number from a man saying there was attempted fraud in my account. The man also knew my address. I did not give him and of my personal information. 

He instructed me to follow links through text messages he sent to Chimes number that Chime texts from. He said if I dont follow these steps my account will be compromised. I followed the steps and as soon as I pressed a green button he hung up on me. I immediately received a message saying I sent {$390.00} ( my balance at the time ) to a XXXX XXXX. 

The man was able to manipulate their system and create links that looked like they were designed by Chime coming from all of Chimes phone lines/system. He was very polite and informative. 

I have filed a dispute twice with Chime. First time they denied my dispute without even seeing my proof. I have called them several times over the weeks and the last time I called the agent said Chime sent me an email on the XXXX of XXXX denying my dispute for the second time. I never received that email, he failed to forward me that email then he said they must have sent it to another email BUT chime has only one of my emails, he then said the investigation team must have made a mistake and sent it to another email. 

Chime has opened my case again. I will continue to fight for whats rightfully mine. 

I have filed a police report and FBI report.
Product: Debt collection

I received a notice from Fair Collections & Outsourcing on XX/XX/2021. They are trying to collect a debt for the XXXX XXXX XXXX. In XXXX, I contacted XXXX about the notice. XXXX told me to ignore it, since the debt is not shown on my report. It is not shown on XXXX XXXX XXXX. I received another notice dated XX/XX/2021, exactly the same as the original. I have never contacted, leased or purchased anything from the XXXX XXXX XXXX.
Product: Debt collection

When they first reached out to me on this issue, I advised them that I am at work until XXXX and would like to receive calls after XXXX or on the weekends if that is possible. They stated that they understood and notated on my account. I am now receiving multiple calls from this company on a daily basis. For the month of XX/XX/2019, I have received the following calls XX/XX/XXXX- called 4 times : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX- called 2 times : XXXX XXXX, XXXX XXXX XX/XX/XXXX- called 1 time : XXXX XXXX XX/XX/XXXX- called 2 times : XXXX, XXXX XXXX XX/XX/XXXX- called 3 times : XXXX, XXXX XXXX, XXXX There have been times when I am able to answer the calls during the day, but they dont respond and then the line disconnects. I acknowledge responsibility for this balance, I have spoken with this creditor on several occasions in regards to a payment plans which I can accommodate with my income.
Product: Prepaid card

I was one of Bank of Americas I unemployment wrong, fully holding funds for three years got me evicted ended up homeless for 14 days until I moved into the house. I am in now that I can barely afford run up credit card debt loans and overdraw my bank account to be able to afford the security deposit for this house also leaving me with a {$20000.00} debt for the eviction that couldve been stopped if they released my funds anytime within the two month period this happened the loss of all of my stuff because of the apartment complex saying they would not give me any of myself until I paid {$1200.00} in the rear rent that it was out having to put other bills in front of the bills, I already had just replaced to live ruined. My credit has me behind on my student loans. My credit cards and loans have went into default and my bank, including my bank accounts and close my account Ive been with these accounts for 10+ years. I sent all the information that was requested by your independent review panel board. Whatever for them to deny my claim after I spoke to them daily making sure everything was OK. They said the only thing I had an issue with was interest and having improving and proving that out which I did off of my credit reports and what letters I could get from the agencies that have the accounts most of them said they wont get involved and so my account is paid in full which I can not afford to do with the house being {$400.00} more a month and when I was used to XXXX proof of the dates of the eviction the new lease for this house, the fact I didnt even have a blanket when I moved in here, thanks to your incompetence of fraud, holding funds telling me I did it when there was no way in XXXX I couldve been in XXXX when this happened and thats where the funds were sent to. I called you to report this and you froze my account and held up my funds when you were called before the transaction was even completed. I told you to start the payment then I did not make the payment and you said I had to let it go through. Then you would try to get it back. You XXXX  up my life I went from buying a house to homeless less than three months you were my soul source of income. I am a XXXX XXXX XXXX I worked in XXXX  they were closed at this time we relied on you and you had showed us nothing but complete disappointment not caring about us what we are going through I had five coworkers in the same boat I was in with you and you guys sleep at night when I was in a hole or under a bridge in XXXX and XXXX you refuse to give me my phones even after unemployment closed the account with you guys and went to a different card. You held my funds for another year and four months sent me a letter saying the damages were done. Heres a check, but refused to actually do anything to fix remedy or make a better or make me hold back to the way it was before the situation or before all this this is your fault nobody elses.
Product: Credit card or prepaid card

I am requesting and truly need your help. I was deceived and did not make the charges in question on this XXXX XXXX XXXX Card. I originally ordered one free essential oil on XXXX that was free and you only paid {$6.00} shipping and handling for. There was a limited timer on this add that said the offer was only good for ten minutes. Since then I have received repeated charges for products that I did not want or believe I ordered, again a fraudulent scam that is trying to take advantage of consumers. There are a multiple different names of merchants and phone numbers that do not match. When I called XXXX XXXX-XXXX-XXXX, they said the only charge they have on file was an essential oil that I ordered on XXXX on XX/XX/XXXX, which I used my XXXX XXXX credit card for ( have proof in my possession ). They will tell you that the other charges on my XXXX XXXX  XXXX card are not from XXXX, and can not explain where the other charges came from. I have been completely scammed, taken advantage of, and have fraudulent charges on my XXXX XXXX XXXX credit card due to a XXXX ad scheme. There is a second charge of {$6.00} on XX/XX/XXXX with no explanation when the XXXX ad said there was a shipping and handling charge of {$6.00}, never saying two charges. When I called XXXX XXXX XXXX-XXXX-XXXX, they said that I had ordered an essential oil on XXXX, which is true, but I honestly believed I was ordering a free oil and serum, paying only one charge of {$6.00} and that was it. They claim that I enrolled in a program to regularly receive their product, which I honestly swear I did not do nor believe I did. I do not want and have never wanted any program of products. After doing my own investigating, although the merchant names and phone numbers do not match, I believe all of the charges are coming from XXXX XXXX XXXX-XXXX-XXXX. ( The real name of the company may actually be XXXX XXXX XXXX, although no XXXX XXXX credit card statement ever lists that name at all. ) I have charges on XX/XX/XXXX of {$69.00}, XX/XX/XXXX of {$59.00}, XX/XX/XXXX of {$69.00}, and XX/XX/XXXX of {$59.00} that should not be there. The same merchant is also listed as XXXX on my statements as well. I did receive two packages, tracking number XXXX and XXXX, which I believe are the XX/XX/XXXX and XX/XX/XXXX charges and wrote Refused. Return to Sender. After continual contacts with the merchant myself, I did received the XX/XX/XXXX and XX/XX/XXXX charges returned to my XXXX XXXX  XXXX credit card. I desperately need all my money returned to me, as I have never had any intention of ordering products and did not believe I signed up for anything. I honestly have not received any other shipments, and when I asked the merchant for the names of the products I supposedly had received they refused to do so. I have repeatedly contacted XXXX XXXX, had to fill out a lengthy report, and have been repeatedly told that they are going to do nothingthat I received some of my money back. ( All money I have received back has been due to action taken on my part. ) XXXX XXXX  keeps telling me to contact the merchant, and the merchant keeps telling me to contact XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, my credit card had three charges that I did not make, one was to the XXXX XXXX XXXX  for {$41.00}, a charge to XXXX XXXX for {$13.00} and one for XXXX for {$87.00}. There was also a fraudulent deposit from a fake account from XXXX XXXX  to my credit card. I was able to get the account number for the XXXX that deposited money into my account. I called XXXX XXXX  and they said there was nothing the can do because the account was not under my name. 

The bank of America Credit card first refunded my three charges. The fraudulent deposit from the fake account eventually came back as fraud. 

However, a month later my charges showed up again and the bank claimed that I had made the charges, even though I had not. I have sent Bank of America a formal letter about the dispute. 

The was from a Bank of America credit card.
Product: Debt collection

Repeated calls almost at every hour. I've blocked the number but they still call using a different number ; I'm still able to see on my caller id that it's Midland Credit. On XX/XX/ at XXXX I said to the individual calling to put my number on their XXXX XXXX They called again today XXXX  at XXXX. I did not answer. But having calls from them at every hour feels like I'm being bullied, harassed.
Product: Student loan

Not only is it very hard these days to pay such expensive student loans with everyday living, but I feel I have called so many times since ive had my loans XX/XX/XXXX and it just seems impossible. The first couple times they were lowered but when I called XX/XX/XXXX they told me i could n't lower them and there was nothing i could do until i paid off my loans. I get it but a very high monthly payment on top of living in the US is not a easy thing. These company 's need to start working with the customers.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I asked for a Payday Loan from a company that called me and sent me an email. Being it was my birthday I thought it was a sign instead it seems to be the worst decision ever. I was sent {$1900.00} within minutes and told to XXXX an insurance policy the money to verify the insurance. They even emailed an insurance policy for the loan from XXXX. I did this again with {$700.00} and then Bank of America calls me with detailed questions saying I have been scammed. Why I did not know I was more than happy to cooperate with them to help the find the people who fraudulently filed a claim on my behalf. Instead Bank Of America instantly charges my accounts and puts my account in negative balance by over {$2600.00}. I have spoken with many of people who have said sorry but have not helped a bit. Now when I call the fraud department and ask to speak with a supervisor I am UNPROFESSIONALLY disconnected. I do not know what more there is to do. I am soo disappointed in Bank of America, i have been a customer for over 13 years ; the first bank account I ever opened and it feels like they are the ones who scammed me. 

I also have XXXX XXXX and with their security system I am wondering how Bank of America allowed someone to withdraw money from account and distribute money based on a false claim within minutes? When I asked the lady from Bank of America how I would know its a scam she says if someone asks for your online ID and Passcode it is most likely a scam. I have taking out a loan before under XXXX XXXX for a much larger amount that went directly to my Bank of America account and they asked for they same exact information so I do not understand why all of sudden Bank of America is trying to pin this on me when I am the victim of fraud. 

I also reached out to XXXX and the company. I can not reach the rep anymore from the number he call but I have his full name and number. 

Thank you,
Product: Debt collection

Debit was deemed fraud by previous collections company and sold as new debit to new collections company
Product: Credit card or prepaid card

Bank of America representative kept me on the phone on and off hold for almost 1 and half hour, their billing system was not functioning. I have tried since XXXX to set up auto pay and their system has not been functional. They charged me late fees as a result and refuses to refund the fees even after confirming that there was in fact an issue with their billpay system. 

The manager I spoke with XXXX XXXX XXXX transferred me to her manager XXXX who hung up on me after talking to me as though I was his child. The overall customer service experience was very sad and distasteful. Our account inappropriately charged a late fee after confirmed issues with their system.
Product: Credit reporting or other personal consumer reports

Immediate Removal of Fraudulent Accounts and Inquiries : The credit reporting agencies ( XXXX, Experian, and XXXX ) should promptly remove all fraudulent accounts and inquiries from your credit report that were a result of identity theft. This should be done within the 4 business days required by law. Provision of an Updated Credit Report : After removing the fraudulent information, the agencies should provide you with an updated copy of your credit report, free of charge, to verify that the unauthorized accounts and inquiries have been removed.