23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I tried to cancel my XXXX account and could not get through to the merchant and sat on hold so I. Hanged my credit card number to stop them from charging it. Goldman Sachs let them charge it anyway for {$99.00} on XX/XX/XXXX for one year payment to XX/XX/XXXX. I contested the charge and the merchant cancelled the account and it remains in a cancelled status. Goldman then resolved the dispute in favor of the merchant even though the account is paid to XXXX yet now cancelled. Why am I paying for services cancelled by merchant. I have screenshots as of now showing there is not account.
Product: Money transfers

This company operates International Money Transfer service " XXXX Money Transfer ''. 
1 ) I submitted the money transfer request on XX/XX/2016. 
2 ) The transaction receipt indicated that the money would be available by or before XX/XX/2016. 
3 ) The company debited my XXXX XXXX XXXX account on XX/XX/2016 for {$200.00}. 
4 ) The transfer was not received on XX/XX/2016 and there was n't any communication from the company. 
5 ) I contacted the company on XX/XX/2016, inquiring about the transaction. The representative replied and asked for XXXX information, which was provided. Eventually, after back and forth, the company did release the money on XX/XX/2016, plus it took 3 more days to reach my recipient resulting in a transaction time of 24 days. 

I believe the company failed to follow up w/ their XXXX inquiry in a timely manner thus misrepresenting the information about when the money will be available.
Product: Checking or savings account

After XXXX XXXX months denying my fraud claim on my previous claim of {$2100.00} and not returning our money, they did finally give the money back. However, I received a letter saying they were closing our account because I was rude to employees. I admit I was frustrated and asked several different people to quit talking over me so I could relay info. I also asked why they could record me, but I couldn't record them. I believe the real reason for closing my account was that I had the temerity to send a demand letter to XXXX executives with Chase and threaten further legal actions. I never cursed, but was firm that I thought that Chase was not doing their due diligence and trying to wait me out until I just gave up. The XXXX time I was really upset was when I came to my local branch for a scheduled appt. after multiple previous meetings, Chase cancelled that meeting, after I arrived, and the personal banker was rude to me, and basically said he wouldn't help me and told me I would have to set up another appt. a few days later. So that may be what Chase is referring to. But I basically got XXXX help from anyone in the bank, on the phone with the fraud claims dept. and they just kept stringing me along until I threatened legal action. Why is it OK for their reps to be rude and non-helpful and I'm supposed to not be frustrated. I tried to get this settled for about XXXX days and other than the first claim denial NEVER got a written explanation of why it was denied as is required by law in state regulatory codes.
Product: Vehicle loan or lease

XX/XX/2016 {$9400.00} Account is paid and closed account is still showing on credit. Tried to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, Transunion, XXXX, XXXX XXXX  and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I, the consumer, have the right to privacy. I am filing a formal complaint against the following financial institution ( XXXX ) : DISCOVER BANK, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my privacy rights. 

Under 15 USC 1681, consumer reports can not be furnished without my written instructions. Despite multiple attempts to remove inaccuracies, unauthorized transactions, and income reportings from my credit report, the financial institutions have failed to correct their violation of my privacy. According to IRS guidelines, charged-off accounts are considered a certificate of indebtedness and are treated as income. Therefore, such accounts should not appear on my credit report but should be reported via a XXXX tax form. A copy of the IRS publication is attached. 

Pursuant to XXXX XXXX XXXX and XXXX CFR XXXX, financial institutions must provide consumers with the option to opt-out of information sharing with non-affiliated third parties before the information is disclosed. I was never given this opt-out option. 

On the following dates, I notified the financial institutions that I am opting out of any authorization allowing them to share my personal information with non-affiliates. This opt-out notice stated Per the FCRA as XXXX federally protected consumer I am now opting out of any and all previous, current and future authorization I the consumer may have given you written and unwritten, verbal and non verbal per XXXX XXXX XXXX. I request that you remove and delete all disclosures of my personal information that was shared with any and ALL non-affiliates and third parties, including credit agencies. 
On XX/XX/XXXX I sent an opt-out notice to XXXX. 
On XX/XX/XXXX an opt-out notice was sent to this XXXX. 
On XX/XX/XXXX an opt-out notice was sent to Discover. 
On XX/XX/XXXX an opt-out notice was sent to XXXX XXXX XXXX XXXX 
On XX/XX/XXXX an opt-out notice was sent to XXXX. 
On XX/XX/XXXX an opt-out notice was sent to XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX XXXX XXXX 

Despite my attempt and written notice to opt-out, my information continues to be shared to non-affiliates, violating my privacy rights under XXXX XXXX XXXX XXXX XXXX CFR XXXX and the Privacy Act of XXXX. This unauthorized sharing of my personal information constitutes a serious violation of federal law and exposes me to potential identity theft, fraud, or other financial harm. 

XXXX, XXXX, and XXXX are all third parties. As a consumer, I must be provided the option to opt-out from having my personal information disclosed under XXXX XXXX XXXX and XXXX CFR XXXX. Since I was not given this option, my privacy rights have been violated. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that the lenders comply with federal regulations to protect consumers ' privacy and information security. Please contact me via email for further information or documentation regarding this matter.
Product: Debt collection

They call me morning night they wont stop i have asked them to stop calling because im handling all my debt but they wont they even called my afooted mother when im with my birth mother and i told them that im not here and hell call when hes back to help stop but 30 mins later they call again hope this helps if not ill go to court
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXXXXXX Balanced {$870.00} XXXX XXXX XXXXXXXX Balanced {$5700.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$85.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXX XXXX Balanced {$830.00} XXXX  XXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 

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
Product: Student loan

I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.
Product: Credit reporting or other personal consumer reports

Im writing to express my frustration with the inaccurate information on my credit report. Ive just reviewed it, and there is a clear mistake thats impacting my credit score. This is completely unacceptable.
Product: Payday loan, title loan, or personal loan

I took a short term loan from the cashapp XXXX for {$220.00}. Today I tried to revoked my consent for automatic loan repayment and they said it was irreversible and refused. XXXX is wormed by square inc . 

Here is their contact info XXXX ( XXXX ) XXXX. 

Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Dispute date XX/XX/23 confirmation XXXX still open Dispute over 30 days ... Dispute date XX/XX/23 confirmation XXXX shows open Dispute no results over 30 days I have not seen any results. XXXX XXXX  account.
Product: Credit card

Capital One once again has not provided full disclosure. Capital One continues to be misleading and fraudulent in their approach to provide accurate information to this Bureau. 

For the evidence that Capital One has provided i.e ... .. the XXXX indicates that there is a reverse side to this application which has not been provided. 

Is it that Capital One knows that the reverse side will show my acceptance to the XXXX plan to which they are not allowing during my time of unemployment. 

This corruption and misleading information with Capital One 's reporting to this Federal agency.
Product: Credit card or prepaid card

1. Chase willfully and intentionally marketed and promoted its Chase Bank Business Visa to an individual who is not a business, but to an individual for business purposes and for which is was used. 

2. If Chases marketing and promotional strategies were intended ( targeted ) to engage the services of an individual, then clearly it would be illogical for Chase to promote or market a Chase Business Visa to any individual, therefore clearly demonstrating its full intention to engage a business-to-business relationship that directly involved an individual, which in this case, is a business opportunity with the nonprofit organization that I ( as an individual ) was involved. 

3. The Chase Business Visa application acknowledges and fully demonstrates its intentional to secure a business-to-business relationship by requiring the following business information first in the application process ( see Addendum # 1 in attachments ) - Legal Name of Business Name on Card Business mailing address - Type of Business - Business Phone - Tax Identification Number - Number of Employees - Annual Business Revenues/sales Years in Business - General Industry, Etc.
Product: Debt collection

Received a letter from XXXX XXXX XXXX, XXXX to take me to XXXX of California for a debt that is XXXX years old! The collection company or attorneys are XXXX XXXX XXXX, XXXX XXXX in XXXX, CA XXXXThe Credit Card is Discover Bank.
Product: Checking or savings account

On XX/XX/XXXX XXXX my brother needed an airline ticket and had funds in his friend 's account his friend gave him his debit card number he funded my dad 's cash app account with {$230.00} to buy an airline ticket my dad sent the {$230.00} to me and I bought the ticket from XXXX XXXX return XXXX a lot and now 4 months later my brother 's friend files a dispute with his bank about the money that went to cash app my dad 's account when my dad 's account did not have any money in it with that dispute they saw that the money went to me to my cash app account and they took the money from my cash app account but they could also see that the money went straight from my account straight to XXXX XXXX we've called them and asked them about it and they always tell us is that we can't answer questions about that and hang up on us my dad never filed a dispute like it says on my messaging from cash app saying that XXXX XXXX filed the dispute on this charge he did not file a dispute he does not have an account with XXXX he only banks with XXXXXXXX XXXX cash app is telling him he needs to call his bank and find out what's going on his bank don't know nothing about it as I said he banks with XXXXXXXX XXXX XXXX will not talk to him because he does not have an account there they zapped my account for {$100.00} and they tried doing it again for {$130.00} when they couldn't get it out of my cash app they went to my chime account and try to get it out of my XXXX account with no warning no nothing just a text message seconds before they took money out of my account and how can they use my dad 's name saying that he filed a dispute when he did not he knew nothing about it that's another thing of fraud I just want my money back from cash app that they took to begin with my brother had all the permission in the world to access that account the gentleman gave him the debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

On yesterday XX/XX/XXXX I spoke to XXXX and XXXX at XXXX  and immediately referred to me as XXXX XXXX twice and made no effort to correct this and trying to attach me to a loan that I did not make written authorization to on XX/XX/XXXX. If Illegal XXXX Immigrant XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX are using several names to get money in my name he should be reported to the XXXX police XXXX XXXX police chief whom has authorized investigations in the past on this but were led to believe by the amanzes and his supporters that they bought the house for XXXX from XXXX XXXX bank at an foreclosure sale. You must take action, please provide the cfpb from this complaint with the true facts and inform them the reason why XXXX XXXX would like for me to refer to a loan number that you gave me XXXX if I have never done business with XXXX XXXX in the past. although, I would be interested in an pathway to getting this resolved and removing the false information from my record immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$28000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$12000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$7900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

I am an alleged cosigner to a student loan that I neither agreed to sign or signed. The loan was opened with Navient in XX/XX/XXXX for an amount of {$25000.00} and today, after what seem to be one apparent deferment after another, the loan amount now stands at {$40000.00}. I have tried unsuccessfully for five years to inform Navient that I did not agree to cosign this loan and any signature that they have with my name was forged. Navient informed me that they couldn't help me and that my only option was to file a criminal case for forgery against the borrower. They threatened to report my credit report and under duress I made two payments in a short term attempt to keep my report in tact, while I was going through the process of buying a new home. 
On XX/XX/XXXX I reached out to Navient by email to once again assert my defense that I did not sign for the loan in question. On XX/XX/XXXX I received a response from XXXX XXXX stating that Navient was unable to assist me by email but they would be happy to assist me over the phone if I called the number that was provided. I did not call and on XX/XX/XXXX, the account was reported against my credit and my fico score dropped 41 points on my credit report.
Product: Credit card or prepaid card

I paid off my account at the end of XX/XX/2022. I noticed my credit report still lists a large balance for the past several months. I've asked the company, XXXX XXXX to update it and they have refused saying they are going through a system update and are not updating to the credit bureaus at this time.
Product: Credit card or prepaid card

I was given a gift card ( probably around XX/XX/XXXX ) for {$20.00}. I looked at it and it says ( on the front of the card ) " VALID THRU XX/XX/XXXX ''. So, I thought this is great, I can use this for an emergency ; and put it in my wallet. 

The other day I came across the card, in my wallet, and decided to verify just how much was on the card. When I put the card number in I found that it had XXXX balance. So I went on line and discovered they had taken {$2.00} out per month for the last 10 months. 

Then, I discovered, on the back of the card, ( in very small letters ) that {$2.00} would be deducted ( as an inactivity fee ) per month after 12 months of inactivity except where prohibited by law. 

I called to complain and was told that they would put in an application to have that reversed. I was told that it would take 24 to 48 hours. After 48 hours I called back and found that the balance was still XXXX. I was asked if I wanted to file a complaint, which I said I would. I was told that someone would call me ( a supervisor ). Again, nothing. 

I believe that I am not an isolated case of this type of consumer theft.
Product: Checking or savings account

I NOTICED IN XXXX OF LAST YEAR THAT CITIZEN BANK WAS TAKING MY FUNDS FROM MY ACCOUNTS BY ACTIVATING CHECKING ACCOUNTS ON THEM. TWO WERE SAVING ACCOUNTS AND ANOTHER ONE WAS ON MY TERMINALLY ILL DAUGHTER SOCIAL SECURITY ACCOUNT WHICH I AM HER GUARDIAN, AND THE ACCOUNT IS IN MY NAME. SHE HAS NEVER BEEN ABLE TO DO ANY THING SUCH AS PAY BILL ALL HER LIFE.THE ALSO PUT {$410.00} ON A CREDIT CARD THAT I ONLY USED FOR XXXX. I TRIED TO SHOW THEM AT THE BANK BECAUSE I SAW IT AS SOON AS THEY DID IT BUT NOBODY WOULD DO A THING TO STOP IT. THEY JUST KEEP ADDING ON TO IT UNTIL IT WAS {$640.00} WHEN I GAVE THEM THE MONEY TO MAKE THEM STOP, BUT THAT DIDNT STOP THEM TWO DAYS LATER THEY SENT ME A BILL FOR {>= $1,000,000}. WHICH {$6600.00} WAS PAST ON THE CREDIT CARD THAT I HAD JUST PAID OFF, WHICH THEY HAD OVER CHARGED ME FOR. THEY LEAVE THREATING CALLS ON MY LAND LINE PHONE AND HAVE MESSED IT UP SO THAT YOU CAN NOT LEAVE A MESSAGE AND THE MESSAGES THEY LEAVE ERASE AFTER ONE PLAY, THEY MESSED UP MY TWO CELL PHONES SO THAT I COULD NOT USE THEM. THE ALSO HACKED MY COMPUTER AND PRINTED UP EVERYTHING IN MY MAIL BOX FOR ME TO UNSUBSCRIBE FROM THEM. I NEVER INVITED THE INTO MY COMPUTER. THEY CAUSE TROUBLE BY CAUSEING ME TO HAVE TO CHANG MY DEBIT CARD THREE TIMES AND CHANGE MY PIN NUMBER SIX TIMES IN LESS THAN TWO MONTHS THEY KEEP TRYING TO SIGN ME UP FOR LOANS OR REFINANCE THE MORGAGE. THEY WILL NOT CLOSE MY ACCOUNTS EVEN THOUGH THEY HAVE ASKED A LOT OF TIMES BY ME AND BY THEIR OWN BANK MANAGERS. I HAVE TOLD THEM I DONT WANT ANYTHING FROM THE, NO STATEMENTS, NO DEALS NO OFFERS JUST TO LEAVE ME ALONE THEY DO WHATEVER THEY WANT. TO DO. I WOULD NOT TRUST THEM FOR A LOAN ON A DOG HOUSE. THEY GET INTO EVERYTHING THEY CAN TO CAUSE TROUBLE.