23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have this Citi credit card. And I've had it for many years. My credit score I receive every month from my XXXX card, and the latest score is XXXX. However Citi card is charging me 23.49 % interest on one of my balances with them. And 15.24 % on another balance. I was one day late on one of my monthly payments, during the pandemic, and they charged me a late fee. On my latest monthly payment, {$88.00}. is for interest, on my total balance of XXXX. How can they get away with charging that much interest? Especially during a pandemic. And I have a good credit score.
Product: Credit reporting or other personal consumer reports

FIRST : XX/XX/XXXX - requested unfreeze pin ; first by automated system, then by submission via online to https : XXXX SECOND : XX/XX/XXXX - repeated unfreeze pin request via https XXXX XXXX ; attached a letter that stated " When I attempt to access my account, your system says my user name ( XXXX ) does not exist. But when I provide my DOB and SSN, it emails me and says Here is your username : XXXX. I am unable to get verification out of the auto attendant system using my phone # and last four of SSN THIRD : XX/XX/XXXX a boilerplate / standard response to my XX/XX/XXXX request for help was mailed. Reference " Report # XXXX for XX/XX/XXXX ''. This response redirected me to the automated system XXXX that will not accept my info and hangs up on me with no option to speak to a human. 

FOURTH : XX/XX/XXXX - called XXXX and was able to speak to XXXX, a male in the regulatory area, care 2 level. He indicated 2 issues with my account : 1 ) He said the freeze pin was no longer on my account AND 2 ) my membership showed as " inactive '' but all info was still there. He said he re-set my freeze pin BUT an issue with my membership remains. He told me to contact " membership '' at XXXX. When I try this, I get stuck in an automated system that will not verify my credentials and I'm unable to get to a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

purchased bitcoin using this merchant XAPO, received email after a week hold that bitcoin is available in the account. Afterwards tried to login to access funds and my account is blocked. XAPO verified my balance is in the wallet but wants me to send bitcoin so they can adjust the account and take all my bitcoin. Also lied and gave me misleading information that I owe them money and won't provide requested information.
Product: Mortgage

I applied for a mortgage for a rental property. Prior to denial they never asked for nor received any verification documents. When I protested not the denial, but the way they had arrived at the decision, they changed loan officers. I then provided tax returns and bank statements as verification of income. I was once again denied. I never received any official documentation as to the application, nor did I receive a denial letter, containing the reasons for denial. I believe I was also supposed to receive something containing my credit score. I have no documentation to upload in support of this complaint because I was never provided with any. I do have emails to and from the company. That 's it.
Product: Prepaid card

Financial Institution DC Code Title 47-351 contracts investment fraud conflict of interests 18 U.S.C. Section 208 associative in relations to 15 U.S.C. Section 1637 and 15 U.S.C. Section 1666 advertisement applications income tax refunds credit debit cards, or directive relationship interests to XXXX, XXXX XXXX XXXX, Internal Revenue Service, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that conflicts with the performance of contractual official duties described as decisions, approvals, disapprovals, recommendations, the rendering of advice, investigations, or otherwise, in a judicial, or other proceeding affecting excise exempt personal property income salary tranches, commerce 18 U.S.C. Section 641 stolen government property 18 U.S.C. Section 2314 income tax refunds EFTA E-File, 18 U.S.C. Section 8 indebtedness, securities registration XXXX, or 15 U.S.C. Section 1692 ( c ) bond debt collections, or rescission of securities 15 U.S.C. Section 1635, finances contractual resources misapplication 18 U.S.C. Section 656, and aggravated identity theft 18 U.S.C. Section 1028A participations ; withdrawals by negotiable instruments 12 U.S.C. Section 1832 ( c ), or transferable instruments for transfers to third parties, 18 U.S.C. Section 1001 false financial statements latency over the periods XXXX, XXXX, XXXX, and XXXX, XXXX encompassing interstate commerce 15 U.S.C. Section 1214, the property description reportable statement XXXX Salaried Income Tax Refund XXXX Adjusted Gross 26 U.S.C. Section 62 transactions purpose means, the depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or *registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means.
Product: Debt collection

FRAUDULENT COMPANY/SCAM ALERT!! PLEASE NOTIFY ADDITIONAL REGULATORS - On XX/XX/20 - Paramount Recovery XXXX reported yet another fraudulent account to my credit file - this time a debt that does not belong to me was reported to XXXX  as a " Not Paid '' Account. I have no idea what this is for or for what Company. I do not have any outstanding bills.Additionally, I have not received any letters from this Company nor any information allowing me an opportunity to dispute. I believe this is a scam and an attempt by this Company to collect on a debt that does not exist.
Product: Debt collection

Upon receiving notification that a collections account was opened by Spring Oaks, the original creditor name, and the date being reported as when Spring Oaks bought the account rather than the date of the original delinquency, I submitted a dispute through the credit bureaus indicating what had been done. All bureaus reported it as being accurate and no change was made. 

On XX/XX/XXXX, I contacted Spring Oaks directly and spoke with XXXX XXXX at XXXX. She told me that the date of XX/XX/XXXX is correct and is the date of when the account was assigned to them subsequent to their purchase of the debt and that they do that for all of the accounts assigned to them. She further stated that as such they will not change the aging date on my credit report. When I asked the date of the account going into collections, she stated that it was XXXX, but didn't give a month. At this point she asked if I was calling to make a payment and would not answer any further questions or have more of a discussion. I told her that I appreciated the information and would complete my report to the CFPB and the call ended.
Product: Debt collection

I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Receivable. Upon further research I found this was a debt purchased from XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$100.00} being that the debt was sold and bought for pennies on the dollar for the debt, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 611 Violation I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX The account is incorrectly reported - Account Number on TransUnion credit report does not match account number from XXXX The account balance reported on TransUnion credit report is inaccurate Please completely remove this inaccurate trade line from my credit report per my rights under the FCRA , Section 611 The attached TransUnion Investigation Results page File Number # XXXX dated XX/XX/2020 states the above trade line as VERIFIED AS ACCURATE AND UPDATED. This is impossible because as I stated in my initial Consumer Protection Bureau complaint # XXXX submitted on XX/XX/2020 the account balance reported by TransUnion is inaccurate. In addition upon further inspection I discovered that the account number funished to TransUnion from XXXX does not match the account number listed on both the attached Paid_in_Full and XXXX Last Balance documents,. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up The date you contacted the individual funishers of information. 
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law.
Product: Student loan

Hello - Navient ( prior was XXXX XXXX ) was my loan server for many years. I feel that I was misinformed MANY times about repayment loan options. NEVER was I told about The Federal Loan Forgiveness Program option so I continued to make payments to Navient. I have > {$90000.00} is student loan debt AND work for an eligible institution that meets the qualifications for loan forgiveness. I 've been working with this institution for 13 years. 

If they would have been forth coming in my options, told me about the Federal Loan Forgiveness, I would have transferred my loans to the Fed Gov, met the 10 year payment requirements by now and the rest of my loan debt would have been forgiven. This is very upsetting. 

In the past year ( after finding out about the Federal Loan Forgiveness Program ) I transferred my loans to XXXX XXXX. 

Do I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

My media bills I have been disputing have gone nowhere. I am a Veteran and they were an emergency so I had to go to the hospital. They were told to bill the VA!! NUMEROUS TIMES AND STILL THEY ARE ON MY CREDIT REPORT!! Also my X-wifes name is with my name XXXX -- She did get phones out on my credit also. She added herself on there to do that and was never questioned?? I have never applied for a credit card and there are 8 I think inquiries??? She will do that!! Once I get all this straight then I can lock my report. I have disputed all of this mess and still nothing has happen?? Thank You!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX  XXXX XXXX  MD, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit card or prepaid card

I had initially applied for a Gap store credit card back in XX/XX/2018. On XX/XX/2018, I attempted to use this card at a Gap store by having the store associate look up my account with my SSN. She attempted this 2 times, but on each occasion she said that the was no record of my Gap store credit card. She then mentioned that the the credit card could become cancelled due to lack of activity. She then said that I could take advantage of the promotion on XX/XX/2018 by re-applying for a new Gap store credit card, which I did. I was approved and able to make the purchase. Today, XX/XX/XXXX, I decided to double-check whether my original Gap store credit card was cancelled by calling up Synchrony 's customer service number in the back of the card ( XXXX ). The representative had mentioned to me that my card became inactive, but as long as I activated the account would be good to use. Needless to say, I'm frustrated by the misinformation provided by the Gap   associate and needlessly opened a 2nd Gap store credit card, which will obviously impacts my credit bureau. I would like to ensure the CFPB is aware of situations such as these, where Synchrony ( or any financial institution issuing the credit card ) and respective stores facilitating the applications for store credit cards, have the appropriate processes in place to avoid consumers from being mislead to open up new accounts. If you need further information from me, please don't hesitate to reach out. 

XXXX
Product: Mortgage

On XX/XX/XXXX I made a payment of {$2500.00} to Freedom Mortgage on their online website. I processed the payment and it stated " thank you for your payment. '' i did not print the page out because I was having printer errors.I assumed the payment processed and would withdrawal from my bank account within a few days like it always does. On XX/XX/XXXX, I noticed the payment still had not come out of my bank so I called Freedom immediately. I explained what happened and asked them to look for the payment. They stated they did not see any payment on XX/XX/XXXX. I asked them to research and explained I made the payment on XX/XX/XXXX. In the interim, I made another payment. I also asked them to note my account so it would not go on my credit. ( this was not my fault ). I phone back a few days later after learning that 1 other payment for XXXX  did not go through as well. i advised them it had to be an issue on either Freedom side or the bank. They advised I contacted the bank. I did contact the bank and they said it was on Freedom side. Again I called back to Freedom, made another payment and advised what the bank said. At this point I am frustrated. Neither will accept fault. In the meantime on XX/XX/XXXX, Freedom reported to my credit and my husband ( XXXX XXXX ) credit that we were 30 days late. Today, XX/XX/XXXX I called XXXX XXXX back and they said it was a transmission error between Freedom and XXXX XXXX. They provided my with a note on a XXXX XXXX document state this. I have submitted it to all parties, Freedom and credit bureaus. This was not my fault. This negative reporting affects our business and our federal certifications. We need this reversed.
Product: Checking or savings account

Back in XXXX I had unauthorized transactions on my checking account and it was a back and forth battle with Chase to get my funds back. Chase sent a replacement debit card to an address in the XXXX and they can claim that it was me? My transactions prove that I was not in the XXXX. I provided my timecard with my employers head human resources phone number. They didnt bother calling. On XX/XX/XXXX I contacted Chase and stated that my chase password was changed and that it wasnt me. I asked if they could freeze my account and the lady I spoke with said yes. I wanted further clarification before I hung up and I asked her so is my account locked or frozen? She responded with Ok, is there anything else I can help you with and hung up the phone. I didnt get an answer. On the morning of XX/XX/XXXX I open up the Chase App and see that {$3400.00} was transferred from my savings to checking over the phone and with that roughly 40+ purchases for that amount was made. These were all foreign purchases with foreign exchange rate fees. For the last 3 months Ive been fighting this and have been told that it was me who made the purchases. Chase sent a replacement debit card TWICE to an address overseas with that address not being on my file. I have the tracking numbers that a Chase branch manager gave me that shows that a replacement debit card was sent to two different address in the XXXX. How can Chase claims say that it was me? In 2 days the replacement card was delivered yet it takes 5-10 business days in the states. This person accessing my bank account was in my account. They were sending XXXX request to people in my contacts including my Father for {>= $1,000,000}. This is the second time that I am now submitting a complaint. I was told the first time that my phone was compromised and that possibly malware or spyware was on my phone. I took my phone into XXXX and they ran a diagnostic check on it and found no malicious software. Ive probably went into a Chase branch 15 times since the first fraudulent activity. I recently went into a Chase branch and spoke with the branch manager XXXX and just like every Chase representative that Ive spoken to has said that it was clearly fraud. XXXX submitted two claims. XXXX for {$490.00}. XXXX for {$1700.00}. I received a letter in the mail that the first claim for the amount of {$490.00} was credited back to my account. For the other claim it was reversed out of my account because again Chase is claiming that it was me. It seems like theyre picking and choosing what is fraud and thats what a Chase banker has told me. The available balance in my account should be {$2200.00}. I want my funds back and if that doesnt happen I have to go through small claims and Im planning on reaching out to local news. Its so wrong that Im the victim and Im treated as the perpetrator. It was easier for the fraudster to take my money than for me to get my funds back. Chase sent a replacement debit card overseas two separate times! Also they did a credit inquiry on XX/XX/XXXX I want that removed too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$110000.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Student loan

the XXXX XXXX XXXXXXXX relied on deceptive advertising to attract students, falsely claiming to work with employers such as XXXX, XXXX, XXXX, and XXXX to create job opportunities for XXXX XXXX XXXXXXXX students and tailoring its curriculum for the job needs of such companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my Credit and  Saw  many things that I was completely unaware of. I tried submitting one massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT 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