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

On XX/XX/XXXX at XXXXXXXX XXXX during a US Bank Reliacard transaction at the XXXX, PA XXXX XXXX XXXX XXXX my Reliacard ( Pandemic Unemployment issued pre-paid card issued by US Bank ) was declined. At XXXX XXXX I called US Bank Reliacard Customer Service XXXX to report the issue. Customer Service Rep Mr. XXXX alleged that a XXXX XXXX transferred {$970.00} from my debit card online at www.usbankreliacard.com. I told the C.S. Rep that I never set up my online account. XXXX said he will put a " Soft Hold '' on my acct so money can be added, but no withdrawals until I call in to request a withdrawal. On XX/XX/XXXX I went to same Post Office, call US Bank to request a withdrawal. Bank Rep XXXX said same person transferred a new deposit load of {$490.00} from my account. I filed a Dispute Complaint by Fax to US Bank Customer Relations. XXXX cancelled my card and said a new card with new # will be mailed to me. I said I do not want a card, I prefer to receive a check by mail only.
Product: Credit reporting or other personal consumer reports

It has been over 30 days and Transunion has failed to respond to complaint XXXX. Please see the attached CFPB complaint that was sent directly to XXXX and remove the account XXXX for incorrect reporting. Transunion is reporting a balance on an account that is uncollectible due to the statute of limitations in the state of Texas. Furthermore, the balance reported is not a balance that I ever had with the creditor. XXXX and XXXX have since removed the account and I expect Transunion to follow suit and correct this inaccuracy that is causing my credit rating great harm. My credit report is attached to show that Transunion is the only credit reporting agency to furnish this incorrect information.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I applied for the Chase Freedom Unlimited credit card in XXXX. The bonus offer was XXXX cash rewards after spending XXXX dollars in the first 3 months. I reached the requirement in less than 2 months. I didn't see the bonus offer appear in my account so I contacted the Chase customer service team. I files a claim and waited two weeks without a response. Finally I called again and was told there is nothing they can do about the situation. The only reason I signed up for the credit card was to receive the bonus offer and I could have saved those XXXX dollars I spent in order to receive the bonus offer. 
All in all I was cheated out of XXXX bonus and the credit card is now ruining my credit score by closing my account. I would rather not do business with a shady credit card company but they are still putting a closed account on my credit report which is really affecting me negatively. the customer service also admitted that they have many offers on many different websites so they don't know which bonus offer is even true. They admitted to falsely promoting a credit card bonus and I have a recording of it.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 XXXX, XXXX, and Equifax do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.
Product: Credit card or prepaid card

My credit report show there is an account open in my name with Milestone that I did not open. I called Milestone, which is ran by Genesis FS Card Services Inc. They said that I need to reach out to you guys, and they will not close the account. 

I know I didn't open the account cause every time they email me there you been approved letters, I trashed them. 

All of a sudden, I get a card in the mail. I trashed the card. Then yesterday I got a bill saying I owed {$170.00} dollars. Who would want a card like that. 

My name is not even correct.
Product: Student loan

My Mohela account currently shows a balance of {$3200.00} for a Federal Direct Loan. I received a XXXX XXXX Award from the XXXX XXXX XXXX XXXX XXXX that allows for me to pay student loans with the award funds. I authorized XXXX to make a payment of {$3100.00} on XX/XX/2024 towards my Mohela loan. XXXX subsequently marked that the payment was accepted by Mohela, however this payment has never been reflected on my Mohela account. I contacted Mohela through their online portal on XX/XX/2024 with the following message : " I used my XXXX XXXX XXXX to make a payment on this loan. The XXXX portal says that the payment was accepted by Mohela. Why is this still showing as unpaid? '' To which Mohela replied : " We apologize for any inconvenience this may have caused. Please be advised that we are in the process of transitioning to a new operating system and any payments made while on the previous operating system will need to be transferred to our new system. Please allow up to 60 days for the payments to be transferred to our new operating system. Please be assured that no action should be necessary on your part for this process to occur. We appreciate your patience during this time. '' I contacted them again on XX/XX/2024 with the following message : " XXXX sent a payment on my behalf for my student loan. Why is this not reflected on my account? This is now the second time that I have inquired about this. Please tell me what is going on or tell me who I should contact. '' To which they never replied. I called them last week, and they notified me that they would place a Payment Inquiry, but the issue is still not resolved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX Account # : XXXX Balance Owed : {$2000.00}
Product: Credit card

near the XXXX of XXXX, 2025, I called Chase Visa, and asked for a Hardship or flexible plan. For months I had been told they had no such plans, but I tried one more time. I suffered an injury and could not work for months before this, but my school district told me that If i went on unpaid leave, they would hold a spot for me. Instead, they laid off my whole department and said their were no other jobs except playground positions. This prevented me, from applying for unemployment as I was too late. I have Chase visa for years, yet every time I called to ask for help, they said they had no such plans. This time, however, a woman in the hardship program department told me that I qualified perfectly for a hardship plan. She described how I would not need to pay for a few months -- I was thrilled because I had a pension coming due on XX/XX/year> that I said I would use to pay off the entire card. All I needed was this time until then. The next day, I went to the Chase ATM and they had removed the entire payment. I called 5 different departments and they each said that they could not find a hardship agreement. Today, they took out almost double the regular amount out of my account also {$800.00}. This is all a total reversal. I showed my bank the documents of the incoming auto deposits of {$40000.00} that will be deposited from DRS by XXXX. Nothing matters to Chase, and I have no money even for gas to make it to my low paying job right now. I just wish they had not lied to me about the hardship. What harm would it have been to wait until XX/XX/XXXX? Incredibly depressed, award-winning former teacher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I received XXXX denial letters for Discover Bank that came to my home address, however, they are not in my personal name { & i've not applied for ant credit through Discover }. In addition to receiving these XXXX notices I received a toll invoice from the XXXX XXXX XXXX XXXX XXXX for toll fees that again wasn't addressed to me, but, to my home address. The name on the toll invoice matches XXXX of the names on the Discover denial. The plate captured in XXXX XXXX XXXX Texas XXXX XXXX. Please let me if there's anything i can do to prevent individual 's from using my address? 

Respectfully, concerned citizen
Product: Debt collection

Told me how do you plan to pay if you not working in said when I was working I was paying they told me well the court costs and attorneys fees will be double his name is XXXX ph # XXXX I ca n't find an address or company bio I called the XXXX on that area they have know reference of the business
Product: Credit card

They are charging me overdrafts and interest rates and I don't think thats fair please help me with this problem thanks
Product: Credit reporting or other personal consumer reports

Experience has failed to do a full investigation to validate accounts listed on my credit report.leaving unverified and inaccurate accounts unresolved.The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward customer provided evidence. Please remove this inaccurate information for Experian has failed to properly do so!XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX  Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX XXXX, 2019, XXXX XXXX Inquiry : XXXX  XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit card or prepaid card

i had my credit card payment from commenity bank with XXXX on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/2017 through XX/XX/2017 show late payments, i always check to see the draft take place inside my bank account. it did at that each time. money said it was drafted each month. then i looked at report and it showed late payments. i called and battled with commenity bank every month and they said auto pay didn't draft and they failed to let me know each time! commenity bank said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable because of these negative remarks.
Product: Credit card

I had a Sears Card ( Citi Card ) that i never used that Sears charged a snowblower warranty charge to. I never got a bill from Citi Card but months later i got a " my account is delinquent '' call which i then informed Citi Card that i never activated the card and it was still sitting in the envelope and that Sears charged the wrong credit card. The Citi Card Manager and Customer rep were able to remove XXXX of the XXXX month late fees and i paid the entire bill off while on the phone with them and also closed/canceled the card since i never used it nor was i going to use it. This is XX/XX/XXXX. XX/XX/XXXX i got a call that i owed like {$14.00} or {$18.00} for additional fees on this account that i fully paid off and closed. The customer rep was able to remove {$10.00} or {$14.00} but had to put a request in for the remaining {$4.00}. He saw the account activity and said it was a problem with Citi 's system and that i t is not my fault that after closing the account the system was charging me additional fees. Apparently the request for the last {$4.00} did not get approved as i was called by a collection company, XXXX XXXX XXXX today. This is ridiculous that after XXXX months i am still having to deal with Citi Card 's system issues and {$4.00} on a fully paid for and closed account
Product: Mortgage

I took a mortgage in XX/XX/XXXX with a bank. In around 2 months they sold my account to Loancare Service Company ( XXXX XXXX XXXX XXXX ), and everything was ok up until my property taxes for XX/XX/XXXX were not paid on time. I called loancare in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX this year,XX/XX/XXXX and all they told me is they will take care of it, they are waiting for the county tax office to send or give them the bill. I pleaded with my lender, loancare to just please pay my property taxes, they did not. In the meantime, the county office were adding late fees and interest and sent my bill to collection agency. I kept calling loancare and sent the letter from the attorneys office about not paying property taxes possibly foreclose on my house. Finally loancare paid the property taxes in XX/XX/XXXX the whole amount including late fees and penalties, now loancare is saying am responsible for paying the late fees and penalties. Loan care is refusing to take responsibility of the late fees and penalties added to my property taxes. I think and believe that am not responsible for paying late fees because I have an escrow account on my mortgage and have been notifying loan care since XX/XX/XXXX to pay for property taxes. My mortgage went form {$1700.00} to $ XXXX/month.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries ; I'm unaware of them, and they were done without my consent.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX  - XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

[ Case number : XXXX ] I 'm still frustrated with the lack of response from Wells Fargo. I just need to get my ex-husband 's name off of the house. He has n't lived here since XXXX, 2008 and I have paid the mortgage. The mortgage is current. Wells Fargo states that my credit is n't strong enough, which I understand. But since I 've been paying it all along, should n't that be taken into consideration? I intend to stay in the house indefinitely and it is the sole residence for me and my children. I appreciate your help. 

XXXX XXXX ( recently legally changed my name from XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX TRANSUNION, XXXX XXXX XXXX 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, TRANSUNION, XXXX, and XXXX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, TRANSUNION, XXXX, and XXXX. has not yet completed their investigation :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXXXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXXXXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXXXXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I have had an account with CareCredit prior to their changing to Synchrony from GEcapital. After XXXX work a year ago, I have been paying double the minimumPayment required, regardless, once my balance fell below {$150.00} on a " promotional purchase '', I found that I was charged almost {$600.00} in retroactive interest. I understand the concept which is why I paid $ XXXX on a {$120.00} min payment. I was told I was because I was not paying enough. I have no control over how the payments are posted. This is clearly a deceptive and misleading practice propagated by CareCredit!
Product: Credit card or prepaid card

I have a Regions credit card over ayear and always paid my bill on time but the last few months I did not receive a statment I did speak to a manager XXXX but she could not help? Somehow I was put on E-Billing without my concent and never was notified? When I finally got a letter on XX/XX/2022 Stating my unpaid bill and my charge privileges have terminated and my {$340.00} cash rewards was revoked and my credit rating was damaged, all XXXX hade to do is send me a bill.I paid the bill on XXXX. Please Help!! 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to setlle and get all of these inquiries I did not put on my credit taken off
Product: Student loan

I have been trying to contact FedLoan Servicing for a request of information on my account for the past month and half. I have called them multiple times through their XXXX number and have been told I would receive a call back later. I called on XX/XX/XXXX, XX/XX/XXXX, and twice today. In addition, I have contacted them via their email request and have not heard back from them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also filed a complaint with the Federal OMBUDSMAN and have received no notification or message about my request. I have also submitted my IDR request with proper documentations on XX/XX/XXXX and am still waiting for a reply. However, when I submitted my IDR request on XX/XX/XXXX, I received results on XX/XX/XXXX. It baffles me how I can contact XXXX about the XXXX  and not receive any information or feedback, but when I submit paperwork that pertains to payment plans, they are quick to calculate and reply back. 

I have been placed in forbearance for times in which I was in school, but yet still working at approved XXXX employment. I did not receive notice that I was being put in forbearances and when I spoke to XXXX in XXXX of XXXX, I was assured that my employment while going to grad school was going to count towards my XXXX. I am now finding out, that they in fact are not counting it and will not reply to any of my emails or calls to speak about the issue. I would like to file a complaint on XXXX giving out false information over the phone, lying about my eligibility of the XXXX, as well as refusing to contact me about my account. This is absolutely unnecessary and outright robbery. I do not believe they have the best practices for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights acct # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I was redirected to another source outside of the actual company and was my request for information was ignored.
Product: Prepaid card

Back in XXXX or XXXX, Cash App offered the ability to purchase XXXX. I use to buy a lot and withdraw it immediately. No where did they say they would close my account if I bought or moved too much. They simply provided a service... and I used it... often. One day my account just closed for no real reason. I had just purchased {$4000.00} in bitcoin and a few days later my account shut down and ever since, when I try to create a ne one, it also gets shut down immediately. The company refuses to address the problem, or give me a legit reason I broke a rule.
Product: Debt collection

I have variously disputed several negative accounts from my report. I have disputed several times which i believe should be removed from my credit reports. I have previously disputed various times. Yet, no help. Therefore, I believe these negative accounts should be completely off. Thank you