23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was a FRAUDULENT Jet Blue credid card opened in my name. There were multiple charges for trips some of which were cancelled right aware and there were obvious fraud charges on there. I immediately called JET BLUE Credit Card and reported the fraud and closed out the account. I had only received emails stating that I was approved and had booked several trips through the credit card. I am usure what happened with those trips but I Obviously did not take any jet blue trips. I had recieved no further information until I received a letter today XXXX, stating that BARCLAYS did an investigation and determined that my transaction was NOT FRAUD and re instated the balance to a closed account. I then called the number on the bottom of the letter to dispute this but the ketp asking for my social security number. I refused to give this to them given the active fraudulent account which was reportedly CLOSED under my name. THey then transferred me to a US Based Customer service person who also stated that he needed my social security information. I again refused because of the above and the REFUSED to pull up my account information with just my name, Address, and last 4 digits of the account information which is on the Letter they had sent to me. I explained that I will not be paying for this balance which is amoutned to about {$3000.00}. I also expressed that I do not want my credit score affected by this non payment But their Own Fraud investigator told me that is not up to him I have worked veyr hard to maintain a good credit score and do not want it affected by this. I also explained that I found it very interesting that the Suppposedly did an investigation into thie Fraudulent activity and determined that there was NO Fraud. I have never been contacted and have never taken any of those Jet Blue flights intially purchaed. Also they were to the XXXX and I have not been there over the last severla years. I find it very suspect that there was even an investigation
Product: Prepaid card

I owed one payment to XXXXXXXX XXXX  for amount of XXXX. In error they received two payments. I did not know that I mailed the first payment to XXXX. I placed it on hold with Western Union. I sent a second payment to XXXX. They stated they were not able to case the first money order but was able to cash the second money order. I requested that the send me the first money order. The stated no the were going to maid it to XXXX. XXXX stated they did not receive it. I have sent several letters to Western Union only to got it back in a month stating wrong address. Western union or XXXX has my extra money. I want whoever has it to return it to me. I have to trying to get my money for several months. No results
Product: Debt collection

XX/XX/XXXX I go an alert and a bunch of phone calls from drs collections. Then I checked and saw searched online and saw it was my old XXXX XXXX that I opened in XX/XX/XXXX my loan balance was {$2400.00}. I got an alert on my credit XX/XX/XXXX that drs/XXXX XXXX stated I have a balance of {$3300.00}. Which wasnt my loan amount. I was told by XXXX XXXX in XX/XX/XXXX that if I lost my job they would close the account as long as I was making payments. And I showed closed for years. Now I get this drs collection notice. I sent drs a letter XXXX XXXX asking to validate the debt and to validate the information was correct and I never heard back. Theyre trying to charge me for a loan that was told to me was closed and the loan amount isnt even correct. They never responded to my letter.
Product: Credit reporting or other personal consumer reports

XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, Transunion, and XXXX continue to report this on my credit report. I have reached out to XXXX  to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them.
For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. <P/>I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this.
Product: Credit card or prepaid card

I filed a claim for an unauthorized charge in XX/XX/2019. The company never followed up concerning the investigation. I paid the entire balance of the card off with the exception of the disputed charge of {$210.00}. I have received notices from syncrony bank stating that I am not liable for the charge during the period of the investigation yet I continue to receive monthly statements that I am paying. When I brought this issue to the banks attention they told me to ignore the monthly statements. The bank can not continue to charge me for this disputed amount and I can not ignore a statement, it will ruin my credit.
Product: Credit card or prepaid card

EIP card for stimulus. Was given directions on how to activate card for use. Call the phone number on the information and asked for card number. Upon entering card number into system, it then ask for my password. I do not have a password as I am suppose to call this number to activate the card and create a password when I call. Can't give a password that doesn't exist. There is no one available to answer this issue as every time I call, it ask for the exact same request for a password that hasn't been made yet!!!!
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX - XXXX SERVICE Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

I terminated my contract with XXXX in XXXX 2013 in my belief that they violated the contract terms. I received a final invoice that included {$100.00} early termination fee. I formally disputed the {$100.00} and sent a check for {$78.00} with a letter outlining the reasons for my dispute. I specifically requested through this letter that should XXXX disagree with my reasoning to contact me by mail and we could work through the dispute. I heard nothing for over a year, and because the check for {$78.00} cleared my account, my assumption was there was no dispute by XXXX. XXXX weeks ago a XXXX salesperson came to my door trying to regain my business. He somewhat convinced me that the XXXX internal culture was changing for the positive, with an improved consumer focus. I started taking steps forward toward reattaining their service based on this representation. When I provided my SSN, the salesperson came back and told me I owed {$100.00}, and that management would not move forward. There were XXXX prongs to my reason for terminating - the local XXXX focused on XXXX, which I disagree with. The same day I was informed of this, I started to receive numerous calls from XXXX collection agency. I have received a letter from the agency as well. I attempted to work towards resolution with this company through their salesperson, but it appears that a local decision was made to hold their ground regarding the {$100.00}. As it was communicated to me the attitude of decision-makers appears to be as arbitrary and spiteful. The local XXXX group appeared to form their opinion, and took immediate negative action against me through the Collection Agency over one year without providing me the benefit of responding to my written letter of a year prior, and leaving me with the impression through their silence, and cleared personal check that no dispute existed. These tactics are clearly unprofessional in my view, and I appreciate if you could assist with having collection ceased with no affect to my credit record. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the reporting practices of Equifax. Ive sent them letters disputing four companies. Equifax failed to mark these items disputed and failed to respond to 3 of 4 within 30 days with information that was requested by me. The main reason I feel they didnt follow the law is because I reached out to those four companies first and none of them reached out to Equifax or the other two major reporting agencies to mark these items disputed or provide information of proof to me. 

I sent out a letter providing my side to CFPB which included what I believe to be evidence that Equifax and these companies did not follow protocol. I never received a complaint number, but did receive a email from CFPB to call regarding this issue. I reached out two times by phone but none of the agents were aware of this particular situation.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian to fix issues with items on my credit report not reporting 100 % accurately and not having permissible purpose for reporting to my file. The FCRA requires all information be reporting with 100 % maximum possible accuracy and with permissible purpose. Their so called " investigation '' hasn't fix a single issue on my credit report. It's been well over 30 calendar days since my last attempt ( s ) to fix this issue. It has been very detrimental to my health, because I am an elderly women, and lately the accounts have been taken a heavy toll on me mentally, because the accounts are inaccurately reporting, and adversely affecting my financial well being in a major way. Please remove or correct these negative accounts at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was notified about {$9200.00} needs to be paid to National Credit system. XXXX inform me that debt was due to XXXX XXXX at XXXX XXXX XXXX, I called XXXX XXXX and was told someone used my ID to rent and did not pay some times between XXXX XXXX to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted Navient about this and they said that the account was being reported correctly.
Product: Credit card or prepaid card

My flight was cancelled and XXXX XXXX is lying stating that my flight was active. I called XXXX XXXX and they told me it was cancelled. 

I have proof that it was cancelled and the flight was not valid. 

Chase is not doing enough research. They did not provide me any proof that my flight was valid. 


I have proof that XXXX XXXX is lying. They are not answering any calls or any emails. I would like a full refund because I was not provided anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not remove the inaccurate information from my credit profile. they claim a proper investigation was was completed but how is that possible if the date of last active is inaccurate, date last reported, payment history and other inaccurate information is in correct. This is ground for removal. Accounts : XXXX # XXXX XXXX/XXXX # XXXX XXXX # XXXX XXXX  # XXXX 15 U.S. Code 1681 section 604 A section 2 The law Cleary states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681 section 611 ( 2 ) ( a ) The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes 15 US Code 1681 section 611 ( 5 ) ( I ) ( ii ) The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Debt collection

It is abundantly evident that Truist Financial Corporation ( Truist Bank ) does not honor the rights of consumers or the law pertaining to debt collection practices. Truist Financial Corporation XXXX Truist Bank ) have been abusive, deceptive, and unfair while attempting to collect on an alleged debt. The most evident is the invasion of my individual privacy. I did not authorize Truist Bank to use my social security number or any information to create an account. I, XXXX XXXX XXXX, the consumer notified in writing to Truist Bank to cease communications and requested to validate this alleged debt, which was delivered certified mail XX/XX/2022. Pursuant 1692g ; I, the consumer hold the right to dispute the debt and make certain requests. During this period the debt collector shall cease collection of the debt, or any disputed portion thereof. 
Truist Bank violated my consumer rights during this period of validation of the alleged debt. Truist Bank communicated my information to another party ( XXXX XXXX XXXX and XXXX ) about this alleged debt. This party harassed, oppressed and verbally abused me by telephone communications. This party has sent repossession tow operators to my abode to collect a disputed portion of the alleged debt during this period. This drew attention to my neighbors ( persons ). Truist Bank failed to communicate to XXXX XXXX XXXX XXXX that the disputed debt is disputed. 
Truist bank continued to send notice of late payments during this dispute. Truist Bank continued to report inaccurate information to the Credit Reporting Agencies, ruining my reputation and effecting my credit worthiness as a consumer. The Banking system is dependent upon fair & accurate credit reporting. 
My identification and financial information have been used and transferred without my authority by Truist Bank.
Product: Money transfer, virtual currency, or money service

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

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

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX : # XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

we started the modification process in XX/XX/XXXX with Primelending they repeated sent or modification packet to an unknown address about 20 times even after we stated hundreds of time we didnt know that address They entered in our payment amount wrong on our first trial payment They never mailed us our modification finalized paperwork ( still mailing to wrong location ) The representatives were the only people we could talk with to know what our payment amount would be after trial period, bc we didnt have the finalized paperwork They said it was finished in XXXX of XXXX, but it wasnt finialized until XXXX, and therefore we were short in our escrow, due to the amounts we were told to pay, They we were told told to pay a new amount which was significantly higher than our pre modification amount, due to the lengthly time it took them to complete it They we were told a new amount still very high We wrote them repeatedly ( only allow you to communicate through regular mail ) and they did an investigation and admitted errors on their end, multiple ones but did not compensate us we have not missed a payment but because of the lag in their abilities, wrong amounts told to pay, they are saying we are behind a month, even though we havent missed a payment We have reached out to every senior supervisor, and they dont speak to us directly but us someone under them to do their work They gave us false fax numbers, XXXX admitted giving us a " friends '' fax because their company 's fax numbers are disabled ( representative 's words ) This has been a 2 year battle of errors, false information and guidance Primelending a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I received a letter dated XX/XX/2021 that was sent to my address that someone tried to request to open a Pay Pal Credit account on XX/XX/2021 under my name XXXX XXXX. The Reference # XXXX. Although it was not approved because of verification in identity. Synchrony Bank issues credit for Pay Pal Credit and there is a data breach because I receive emails sometimes that says I have available credit with Pay Pal and does not know what Pay Pal is talking about. I never applied for a Pay Pal Credit account and appears to be a data breach with the company.
Product: Credit card

I received approval for a new Citi credit card in XXXX, and a new card was apparently sent out XXXX/XXXX/2016. I never received it. I called two weeks later, stating I had not received my new card. At that time, customer service informed me I needed to wait the full 10 business days to receive it. I waited until the last week in XXXX to call back. At that time, over 20 business days had passed. The customer service representative told me they would overnight me a new card for free. I just talked to customer service again, on XXXX/XXXX/2016, and was told a new card was never sent and the account was not noted. I was using the online chat feature XXXX times because I could n't get through on the phone. The representative was rude, unhelpful, and would not answer my questions. I had to repeat myself continuously, and some of my answers were never answered. I requested that the card be overnighted free of charge, and they told me I would be charged for it. I asked that the initial spending period be reset so I could use the card and capitalize on the initial spending bonus, but that question was just ignored. I have a payment due on the account, and I have never even gotten the card. Their customer service was apathetic, at XXXX point they were just copying and pasting responses to me in the chat. I have tried calling customer service numerous times, but am put on hold for extended periods of time and then get disconnected. I do n't even know if the new card was sent.