23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Military Star Card is the most confusing and disorganized card I have ever used in 45 years of using credit cards. 
1. When promised a " first time use '' 10 % discount I had to call multiple times to get the correct credit. They said we don't give the credit until the product is delivered ( washer/dryer ) but yet gave me a credit for a gas purchase and claimed I'd already been given a credit. I spent 2 hours on the phone explaining this, 2. I put in a written complaint to dispute a charge for product I have yet to receive but was told they have 90 days to respond. In the meantime, Ive had to pay for the product.

3. I signed up for autopay and they charged me a {$15.00} fee because they said my bank refused the request, but yet I somehow had a credit for the bill I supposedly didn't pay.

4. After paying my bill and seeing a credit ( from the bill they said I didn't pay ) I asked for a refund of the credit ( {$67.00} ) but was told, " we don't see the credit on our end. but it appears on the customer 's website.

5. When I finally closed the card, I was asked if I wanted to take a survey, I did, but then the agent I was speaking to said the " survey system is down ''. Seems like a convenient coincidence.

6. There are a few other issues but I think you get the point. This card is directly marketed to military service men and women. If a 45 year veteran of credit cards is having problems, I am sure a young person who has less experience is having problems. I have had more problems and been on the phone more times with this card in 30 days then all other cards Ive had in a life time combined.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to Flagstar. I feel there is some kind of fraud at play. This company and Flagstar are reporting the same loan on my credit report and this company balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made Equifax aware of the fraudulent activity on my report in writing and verbally. I have also provided all required supporting documents for proof of Identity Theft. I have requested that ( XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX ) be removed from my report but NOTHING. This is not fair at all. I am doing everything requested of me to rectify this.
Product: Vehicle loan or lease

On or about XXXX XXXX XXXX American Honda Finance Corporation made an unauthorized charge to my checking account of XXXX XXXX XXXXXXXX with the amount of {$17.00}. We don't owe any money to American Honda Finance Corporation. 
On XX/XX/XXXX and XX/XX/, I contacted American Honda Finance Corporation to notify about the unauthorized charge and request a refund. American Honda Finance Corporation refused to refund and refused to resolve the issue.
Product: Credit card or prepaid card

Following up on a previously filed complaint against Discover Card : Thank you for your complaint XXXX about DISCOVER CARD. 

The company replied formally that they would return the unauthorized debits from my bank account if XXXX Bank provided the form they requested. A couple days later the investigations department at Discover called and said they would not return any money. The statement shows " reversed '' debits, but no reversal has occurred and the company has simply added to my account balance. 

This is yet another example of the company 's dishonesty, cloak and dagger policies to avoid being a fair creditor, and it has caused financial and emotional distress. 

My identity has been compromised. Almost all of the calls to Discover 's pay by phone line in XXXX lasted a minute at most, as shown on my phone records. XXXX 's investigation team said nobody can authorize an ACH debit in a minute or less. They also noted activity from different states ( Connecticut to XXXX ) occurring within 20 minutes, which would have been impossible for me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS was sent a letter to remove an item from the report they hold under my social security number and share with the 3 major credit bureaus. It is not permissible under FCRA since there is no information bearing my signature to this account.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXXXX/XX/year> you furnished to XXXX, XXXX, Equifax an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being requested pursuant rule 1002.
Product: Debt collection

I was contacted by a collections agency claiming to have purchased debts from Certegy, a company I have never signed up for or heard of. They claimed the charge was for some payment that didn't go through on my bank account 5 years ago and said they've been trying to get ahold of me. This is literally the first time I've heard of it ; they claim they've been sending mail to MY CHILDHOOD HOME ADDRESS, and are therefore " very disappointed ''. I asked why I was never told about this debt. They claimed the business who charged me would never have told me and there was no way for me to know ; they claimed it happened 5 years ago and they've attempted to mail my childhood home to tell me. Then, they went on to tell me the charge is for $ XXXX. I've already paid my debts off around my life ; they are now telling me I have some ghost debt for $ XXXX of course, and when I went to the records to see the charge they claim spawned this whole thing " that I wouldn't have known of '', it was a receipt for {$15.00} on XX/XX/2016. 

I told them this is crazy ; I will not be paying $ XXXX. The company is called XXXX XXXX XXXX or XXXX for short, phone number XXXX XXXX address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them about this issue but yet my late payments are still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX. After numerous disputes with foundation, XXXX XXXX. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with midland funding llc. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that midland have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with XXXX on numerous occasions, since XX/XX/XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent XXXX  with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet XXXX  XXXX, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( MCM ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent XXXX a document from XXXX  dated XXXX., showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have been unable to activate a newly issued XXXX debit card. 

I have an existing account with the XXXX and I have not been able to activate my new debit card under the existing account. I even tried to activate it under a new account and it stated " A user has already been created for this client. '' Thus, leaving me with no access to funds that should be available to me. 

I have called the goprogram.com XXXX, which is automated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$10.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/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 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I outgoing wire transferred {$3000.00} from my Kabbage account to my XXXX XXXX brokerage account. For reference, Kabbage is not a bank, but a fintech company that has an account with XXXX XXXX XXXXk. And XXXX XXXX has an account with XXXX and receives the customer 's deposit money through XXXX. I logged in to my Kabbage account and fill out wire transfer form, Of course, I correctly typed my name and XXXX XXXX account number as Further Credit to. However, unfortunately, the money was transferred to XXXX 's XXXX XXXX account with the further credit XXXX XXXX account number missing. On the XX/XX/XXXX phone call, the XXXX XXXX Money Movement team confirmed to me the situation below. They confirmed that {$3000.00} was deposited into the XXXX ' account, but XXXX XXXX could not deposit the {$3000.00} into our XXXX ' account because my XXXX account number accidently was missing, so XXXX XXXX confirmed that the {$3000.00} was returned and deposited to XXXX XXXX on XX/XX/XXXX. And they asked me to contact Kabbage and gave me a Federal Transaction Reference # ( XXXX XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX QMGF XXXX XXXX XXXX. For over a month now, I have inquired countless times with Kabbage wire team and XXXX XXXX, but Kabbage says there is no record or indication of returned {$3000.00} from XXXX XXXX XXXX XXXX, so Kabbage team they are no longer responsible and can no longer help me It has been over a month with both companies only evading responsibility. I sent money by filling out the wire transfer form correctly without any mistakes, but It's so upset and angry situation that I couldn't find the {$3000.00}, so I couldn't sleep and feel like died. My wife is crying every day because she feel so unfair, nobody trying to help us. Please please help me so I can find {$3000.00}. This is a big money that more than 2 Month rent for me. my email is : XXXX My phone # : XXXX XXXX XXXX XXXX XXXX resolution dept. XXXX ext : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX KABBAGE ACCOUNT NUMBER XXXX XXXX XXXX Account number XXXX This is the wire transfer Form I fill out from my Kabbage online account. 
Beneficiary Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX Note : For Further Credit to XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts that appear on my Transunion credit report. Despite multiple disputes and the submission of a police report, Transunion has failed to remove these accounts, which were fraudulently opened in my name. 
My ex-boyfriend, whom I previously lived with, had access to my personal information, including my email accounts, bank accounts, and Social Security card. He broke into my car and stole my wallet, which contained my Social Security card, debit cards, and other personal items. Using my stolen information, he applied for credit cards and various services, funded them with money from my checking account, and made minimal or no payments, leading to these accounts being sent to collections. I have never authorized, used, or made payments on these accounts. I have already filed a police report regarding this theft, which has been approved by the police department, and I have provided a copy to Transunion. 
I have disputed these fraudulent accounts numerous times, yet they remain on my credit report, severely damaging my financial standing. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Transunion is required to conduct a reasonable investigation into disputed information ( 1681i ), remove inaccurate, incomplete, or unverifiable information within 30 days ( 1681i ( a ) ( 5 ) ), and prevent the inclusion of fraudulent accounts when evidence of identity theft is provided ( 1681c-2 ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), debt collectors may not attempt to collect a debt that is not validly owed ( 1692e ). Reporting fraudulent debts as legitimate is a violation of federal law.

I am requesting that Transunion immediately remove the fraudulent credit card accounts and associated collections from my credit report. Transunion must also cease reporting these fraudulent accounts to other bureaus and creditors and provide written confirmation that they have been removed. I have attached a copy of the police report as evidence of the identity theft. G
iven the clear proof of fraud, Transunions continued reporting of these accounts is unlawful and is causing me significant harm. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for violations of federal consumer protection laws.

I expect Transunion to comply with its legal obligations and remove these fraudulent accounts immediately. Please confirm receipt of this complaint and provide an update as soon as possible.
Product: Credit card or prepaid card

On XXXX I ordered 2 items thru XXXX, on XXXX after multiple ( 7 ) communications with customer service I was directed to return item XXXX to a specific location of XXXX XXXX XXXX. XXXX XXXX, CA. XXXX which has entry and exit Surveillance during the XXXX XXXX. PST hour. After extensive talks, the customer return desk said I have to ship item to a 3rd. Party. I disagreed because the XXXX XXXX customer service of XXXX assured this return with no hesitation, as I made clear my purchases was thru XXXX. I them requested to speak to management who didn't show after 20 minutes. I then decided to leave item at the above mentioned address. Todate, XXXX says customer ( I ) never brought item to it's location.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their continued refusal to remove fraudulent accounts and identity theft-related information from my credit report, despite my repeated attempts to resolve this matter. 

I have provided TransUnion with both a police report and an FTC Identity Theft Report, which clearly document that I am a victim of identity theft. Despite submitting these official documents multiple times, TransUnion has repeatedly rejected my requests to remove the fraudulent information. Instead of fulfilling their legal obligation to block the disputed accounts under the Fair Credit Reporting Act ( FCRA ), they continue to demand updated information and suggest that I contact the creditors directly. 

This is an unlawful and unreasonable burden on me as a victim of identity theft. Under the FCRA, once a consumer provides a police report and an identity theft affidavit, the credit bureau is required to remove the fraudulent accountsnot place the burden on the victim to chase after creditors. 

I have reached out multiple times, only to be met with delays, denials, and requests for unnecessary additional documentation. TransUnions refusal to comply is severely affecting my financial well-being, causing undue stress, and preventing me from obtaining necessary financial services. 

I am requesting that the CFPB take action to enforce my rights and ensure that TransUnion : Immediately removes all identity theft-related accounts and inquiries from my credit report. 
Ceases all further delays and unlawful requests for additional documentation. 
Provides confirmation that my credit report has been corrected. 
XXXX failure to comply with federal law is unacceptable, and I am requesting swift intervention to resolve this matter.
Product: Credit reporting or other personal consumer reports

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Multiple repeating unauthorized inquiries that have failed to have been resolved. I NEVER GAVE PERMISSION FOR INQUIRES FROM XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These inquiries are being ran without my consent ever few months and have not been removed from my account when asked
Product: Prepaid card

On XX/XX/year>, I tried to use my Direct Express card to pay for groceries. I was denied a total of three times. I went to an ATM inside the store, I was told that my PIN number was wrong. I went to the Direct Express website my PIN was rejected again. When I tried to change my PIN with the Forgot PIN link, after submitting the card number, I was told that my card number didn't exist. I was able to get in to the Direct Express website and change my PIN, and went and withdrew a large portion of my money to pay my bills. On XX/XX/year> I called the Direct Express phone number to check balance and was told again that my PIN was wrong. To get into the website to notify Direct Express that my account has been compromised the correct PIN has to be put in. There are no alternative phone numbers or any other means to notify Direct Express. I was finally able to get into my account by using the Treasury Department 's website, and change my PIN. I called Direct 's phone number and found that my balance is {$1.00}. If my spending history is looked at I've never spent my check that recklessly at the start of the month, I usually have monies leftover. The inability to notify anyone for 9 days is harmful. I still have not been able to get printout or even see my transactions for the month so I can contest them.
Product: Credit reporting or other personal consumer reports

I am requesting an immediate attention to the following accounts that continue to appear inaccurately on my credit 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 XXXX XXXX XXXX XXXX XXXX They were already deleted in XXXX back XXXX XXXX of this year. i have attached proof on my letter. I've been communicating with Transunion and XXXX to deal with this matter, reinvestigate it further and remove accordingly but they tend not to hear my plea.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate late payment reported on my credit file by XXXX XXXX The mortgage account was transferred and closed, yet a 30-day late payment from XX/XX/year> remains on my credit report. 

Key Facts : Lender : XXXX XXXX  Account Status : Transferred & Closed Last Payment Date : XX/XX/year> Issue : A 30-day late payment ( XX/XX/year> ) is still reported, despite the loan being paid off and transferred. 
Impact : This inaccurate reporting is negatively affecting my credit score and financial standing.
Product: Debt collection

on XX/XX/XXXX received a voicemail from XXXX XXXX from XXXX XXXX XXXX stating this was the last attempt to serve court papers, said to contact XXXX case # XXXX. I called this place and right away a person named XXXX asked me for the case number and he went on to say that I was being sued by HSBC for a debt from XXXX and that the only way to settle was to garnish my wages and put a leve on my accounts. He said I had plenty of time to pay and didn't so now I have to. 

The next day I xall the number from which XXXX called and inmediatly said it found my file, transfered me to someone Named XXXX XXXX, very rude, refused to answer most of my questions, even when I asked her for what court this was being filed she said only California, She went on to say that they will put a lien on my home, garnish my wages and put a levy on my accounts and assured me that I had been sent all documentation about this in XX/XX/XXXX, and went ballistic when I said I never got it. 
called her again later on to confirm her name the name of the firm and the amount of debt and the dates and she vaguely told me and at the end of the call said we will see you in court and you will pay for everything you owe. Dent is time-barred is from XXXX Have not been served papers yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late in XXXX I do not owe. I tried to log in to my account and pay it but it did not go through, tried calling several times and by the time I could get someone to process my payment two weeks had passed and it triggered the late payment. This was not my fault and there should not be a late on this account.
Product: Credit card or prepaid card

I called Kohl 's credit card today XX/XX/XXXX and spoke to 2 different employees which is partnered with Capital One that I realized there was a charge Starting in XX/XX/XXXX called " interest on protected balance ''. I looked at my recent statement that they are charging me this extra interest protected balance that I never opt in to and in the service agreement it also doesn't state that. I already called Kohl 's and they are not helping they said they will not waive it because its there policy. They were very rude to me and said I don't understand the difference which it was not necessary for him to say that to me. I didn't approve of this charge. The total amount they charged me so far is a total of {$400.00} as of XX/XX/XXXX. I am unable to look at me previous statements since it doesn't go back that far.