23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

At the end of XX/XX/XXXX I submitted the minimum payment on-time and during the 3 days processing window my bank approved another auto transaction that left my account short by {$1.00} and some cents. My account app for care credit stated I simply needed to make my next payment by the end of XXXX. I called in before the end of XX/XX/XXXX and the person refused to accept the XXXX payment amount. The company refused to allow for debit card payments that would avoid the 3 days processing window. And they lowered my account limit by {$200.00} with no advanced notice. And I believe they also submitted a negative report to the credit scoring bureaus. This was my first late payment on this account. I continued making on time payments. 

Then at the end XX/XX/XXXX the same scenario repeated. This time I contacted my bank and care credit to arrange payment and the rep said everything was noted in my account and I should be ok as long as I stuck to the dates we agreed on. However, care credit did not honor this verbal offer from the rep and closed my account. And hit my credit score hard. 

In XX/XX/XXXX I entered into a payment settlement with the arrangement to make 3 monthly payments. On XX/XX/XXXX I called into customer service to verify if the XXXX payment was set up as autopay or if I needed to make a manual payment. The rep stated I needed to make a manual payment, so I provided my debit card number. On XX/XX/XXXX, I checked my bank balance and saw 2 payments for the same amount made to care credit had posted on XX/XX/XXXX. One was a debit card payment and one was a check account withdrawal. I called care credit and the first rep verified that the rep on XX/XX/XXXX failed to look back far enough in the notes to confirm autopay was already in place for the XXXX payment due. That rep connected me to customer service to process the refund I am owed. The customer service rep stated the only refund option was to mail me a check within 20 days. I stated that was not acceptable for my budget and requested my debit card payment be reversed back to the card. They stated it was not an option and snapped at me that i " was the one who made 2 payments ''. Their tone was overtly condescending and I was shocked on top of already being shocked that a business would support such unprofessional defense of an error on their part. I corrected the rep and they faintly apologized but refused to offer any other form of refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle in XX/XX/XXXX and financed through XXXX XXXX. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP  claim immediately and communicated with all parties. 
I was sent a bill from XXXX XXXX for {$760.00} in XX/XX/XXXX. Working with the GAP  insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with XXXX XXXX and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I communicated with XXXX XXXX numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from XXXX XXXX assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.
Product: Credit card

I am writing to report that both my Chase and XXXX XXXX credit card accounts have been compromised. I recently noticed unauthorized charges appearing on both accounts, which I did not make or authorize. Unknowingly I was still making payments on these cards due to me having auto pay set up previously. These fraudulent transactions started showing up on my account around XXXX so I initially ordered new cards thinking this would resolve the issue however, I noticed charges started coming in more and more on both accounts by the year XXXX, I tried to contact both of my credit card companies to explain what happened they tried to work with me but I was still told to contact XXXX because the charges had then affected my credit. I have reviewed both accounts and identified multiple suspicious charges. I contacted your customer service department to report the fraud on multiple occasions and requested that the accounts be temporarily frozen to prevent further unauthorized charges for some period of time while also ordering a new card. I would appreciate your urgent attention to this matter, including investigating the fraudulent charges, securing my accounts, and helping me understand the next steps in reversing these charges. Additionally, I request confirmation of the actions taken to protect my accounts moving forward.
Product: Credit card

Since XXXX i have hade there services i have always made payments on time. Over the years they have done XXXX limit decreases on my credit card up until XX/XX/XXXX have.The Problem is barclay/mastercard/jetbue looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint concerns Equifaxs reporting of an alleged account with XXXX XXXX XXXX, Alleged Account # # # # # # # # # # # # # XXXX. A Fraud Affidavit was already supplied to these people. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported as to this alleged debt from  XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my Equifax credit reports from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX appears to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my Equifax credit report on XX/XX/XXXX, for no apparent reason, XXXX XXXX XXXX appears to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my Equifax credit reports from XX/XX/XXXX to present, XXXX XXXX XXXX appears to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a collection for {$46.00} on my credit report from a XXXX  office. Its listed on my report as a retail account, not a XXXX  account. XXXX XXXX under {$500.00} are not suppose to be listed in credit reports and the company and equifax refuses to remove it.
Product: Debt collection

XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us
Product: Mortgage

Previously had a home mortgage with Wells Fargo, during the period they were found to have been manipulating Mortgage rates. I understand there is a penalty repayment program in effect. Please let me know how I apply for possible repayment owed me. Thank you
Product: Credit reporting or other personal consumer reports

Hello, since time ago I have been trying to get bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letter that I myself have made and sent so that yu can see the errors that I highlight to the bureaus and which they have ignored.
Product: Student loan

I applied for the XXXX XXXX Loan Forgiveness program and I was granted {$10000.00} in forgiveness which cleared all of my remaining debt with Navient. I received several emails congratulating me on paying off my loan and the balance went to {$0.00}. I even talked to a rep who canceled my monthly auto payments and confirmed that I was all set and that I should receive a letter in the mail confirming this. After several months I received nothing but I did get a notification that I was due to resume payments soon. I had no idea what this was referring to so I called Navint and a rep informed me that they misfiled my paperwork. I should have received only {$5000.00} in forgiveness, not {$10000.00}. She informed me that I was in fact due to resume paying off my loan. Sadly, in the months that had passed since I was informed by Navient that I had paid the loan in full, I had transferred any remaining money I had to pay off the loan into my Roth IRA. I thought I was making a wise financial choice only to find out that I once again needed that money so that I could pay off the mistaken amount.
Product: Credit card or prepaid card

Commenity Bank XXXX XXXX XXXX XXXX OH XXXX Woman Within Credit Card acct # XXXX A late fee was assessed to our Account on XXXX Statement charged us a late fee of {$28.00} We advised they bank in XXXX as well as in XXXX and the Bank shows that they spoke to us on XX/XX/XXXX and XX/XX/XXXX-at which time we updated our change of address and the customer services representatives did not properly up date their files and records to list our new change of address Customer Service Representatives now refuse to remove the 2 late fees charged to my account which is a result of their errors Their phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX XXXX ( XXXX ), XXXX  XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

They called my employer acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.
Product: Debt collection

I have contacted pro collect to try to settle/pay debt off owed. they gave me a settlement amount to pay, that is still more than I can afford in a one time payment. I tried to pay a lower amount and they refused to take it saying I do not qualify for payment plan. I accept this, but would still like to pay something so I can begin to lower the debt and they refuse to take any payment other than full amount. they told me that due to the fact I can not pay now they will be pursuing other collection actions. when asking what they were going to do and trying to ask questions they informed me that they did not have to answer my questions. XXXX XXXX has since began calling me to collect and I still can not pay the amount in full since it has been two days.
Product: Debt collection

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you! 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had many corrections on my credit report and still seem to be very negative the XXXX late payments reporting on my credit was when I tested positive with XXXX was in the hospital and couldnt work i called the XXXX companies with the late payment they told me the credit B have to remove it they are so unprofessional and rude everything is on a computer for all XXXX of the credit B. I have wanted to get me a house for years and the realtor told me I have to many negative things on my report it has took control of your life and I just want it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, Ive notified the police dept in my county, filed a police report, circled the items that are fraud on my report sent my info drivers lic. 605b of the fcra to equifax numerous times all certified return receipts which I have, and they have refused to remove items from my report within the 4 business days they are allotted by law, these items have destroyed my credit stopping from getting loans, cars and employment over the last 6 plus months I want these things removed at once ... they have poposidly refused to remove fraud from my report I want them removed immediately or I will go to federal court to sue this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to XXXX  and Experian. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports Transunion, XXXX and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX  on XX/XX/XXXX on the phone from TransUnion and he told m that it will cost me XXXX $ for both the Credit Report and Credit History, Then He told me it will be free so he was lying to me and disrespecting me the whole phone call, please check the recording of the call, He knows nothing about the Bylaws of TransUnion, I would like to officially file a complaint against Vector from TransUnion for Lying to me and giving me wrong information.
Product: Credit card

I have dispute various inaccurate reporting on my credit reports that were never resolved. I disputed some late reporting from Capital One Bank, XXXX, XXXX, XXXX and XXXX with these creditors themselves and also the XXXX major credit bureaus ( XXXX, XXXX and XXXX ) . The creditors violated the Federal Law by not sending me a mail 30 days after inserting the negative marks on my credit reports.I used the Law to call them on it but instead they only sent me a bunch of old statements that did not address the problem. Furthermore the credit bureaus told me they will not investigate these items anymore that the reporting was accurate.I also demanded they ( the credit bureaus ) send me the XXXX forwarded to the creditors and the AUD`s received back from the creditors and that never happened. All of them just flat out ignored my request. Also the answers I received violated the 30 days they were allowed to answer me back.They ( the creditors ) failed to prove they violated the Law and I believe they did not conduct any reasonable investigations. I need the CFPB to get in the bottom of it and make sure they abide by the Law.
Product: Checking or savings account

Someone hacked my paypal account and used all my funds and even transferred funds and took them from other banks I had linked to the account. I spoke with PayPal for weeks, I was told by XXXX different customer service reps that they could see my account was hacked because there were XXXX different ip addresses on my account from different locations and they would reopen the closed disputes and I would recieve a full refund. Paypal then denied the disputes and even took back the provisional credits worth {$1300.00} they gave me for the fraudulent charges
Product: Credit card

In XX/XX/year>, I discovered fraudulent charges on my Chase credit card account and promptly reported them to Chases customer service, following the proper steps outlined in their fraud reporting policies. Despite my timely report, Chase failed to detect and alert me to the suspicious activity before it escalated, which ultimately led to unauthorized charges being posted to my account. Shortly after I reported the fraudulent activity, Chase unexpectedly closed my credit card account without prior notice or explanation. This decision penalized me for reporting fraudulent activity and violated several consumer protection laws.

First, under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute fraudulent charges without facing penalties. Chases decision to close my account directly violated 15 U.S.C. 1666, which prohibits any negative consequences resulting from a valid dispute over billing errors or fraud. Similarly, 15 U.S.C. 1666i stipulates that actions such as account closures should not affect a consumers creditworthiness or result in penalties after disputing fraudulent activity. By closing my account, Chase failed to uphold these protections.

Second, Chase violated the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1641 ( g ), which requires creditors to provide clear and prior written notice of any material changes to a credit account, such as closures. Chase did not provide such notice or explain the rationale for the closure, depriving me of the transparency required by law.

Third, Chases actions also breached the Equal Credit Opportunity Act ( ECOA ), outlined in 15 U.S.C. 1691 ( a ), which ensures that consumers are not discriminated against for exercising their rights under consumer protection laws. By closing my account after I reported fraud, Chase penalized me for taking appropriate steps to dispute unauthorized charges, which constitutes a discriminatory and retaliatory action.

Finally, Chases failure to handle this issue appropriately also contravenes CFPB regulations under 12 C.F.R. 1026.13, which state that consumers disputing billing errors or fraudulent charges should not face adverse consequences like account closures or penalties.

In response, I sent a detailed letter to Chase outlining these violations and requesting the immediate reinstatement of my account and removal of any adverse credit reports related to the fraudulent charges. However, Chase has failed to provide any response or resolution. This lack of action further exacerbates the harm caused and demonstrates a disregard for my rights under these critical consumer protection laws. If this issue is not resolved promptly, I am prepared to escalate it by filing formal complaints with regulatory agencies and pursuing legal action.
Product: Money transfer, virtual currency, or money service

Coinbase are illegally stopping customers from withdrawing their money. This is happening to hundreds of people ( on the Coinbase forum ).
As requested by Coinbase, in order to verify my bank account ( for withdrawing funds ), I sent a XXXX payment of XXXX euros on XXXX/XXXX/XXXX. I waited a long time for it to go in. It didnt go into my digital wallet, so I sent another one, which reached my wallet on XXXX/XXXX/XXXX. Each time being charged by my bank to send the payment. Coinbase have still not verified by bank account, so I ca n't withdraw money, even though it states 1-2 days after it enters the wallet. Ive contacted Coinbase numerous times but they are not responding to my support tickets, or XXXX messages.