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

I made a purchase at XXXX in XXXX, as I was going to pay, the cashier offered to apply to a XXXX credit card. I had shared I already had one and she said if I applied I would be able to get a XXXX version. I applied under the impression that I would simply get an upgrade given that I had a standing account, however, I just found out on XX/XX/XXXX that was not the case. 

I paid off my outstanding balance on what I thought was the card on XX/XX/XXXX, however, I received an Experience notice that I was delinquent on my XXXX account. 

I logged onto my XXXX XXXX and saw a {$0.00} balance, however, when I called to speak to customer service, I learned that I had 2 accounts and not just one. I was upset because I feel this was a misleading and predatory credit card application technique. 

I only spent {$160.00} and it cost me {$200.00} dollars to pay off and nearly XXXX XXXX points. I went from Very Good credit to Poor in less than 2 months. This practice of offering credit cards and not being clear right at checkout is malicious. I paid off this in full balance and opted to close both accounts. Something similar to this happened to my mother and I did not realize how bad this was until now. I feel I have generally healthy financial habits, but how many other consumers is this happening to?
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT ACCOUNTS FROM MY CREDIT FILE.
Product: Vehicle loan or lease

After learning that my rights as a consumer were violated in several ways. I rescinded my contract with Flagship Credit acceptance, I noted that I required a remedy for the furnishing of a deceptive and fraudulent contract and other violations according to Law. The notarized affidavit I sent to them on XX/XX/2023. Without a response to my affidavit to Flagship credit acceptance, my car was repossessed XX/XX/2023.
Product: Mortgage

Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all. 
Now Caliber is pursuing me in the courts
Product: Debt collection

This company has a debt listed on my credit report, I do not know what this debt is for. I request debt validation request by certified mail on XX/XX/23, delivered on XX/XX/23. I received no response from the company. I disputed the debt on XX/XX/23 with XXXX, they validated the debt as accurate with XXXX on XX/XX/23. I sent a second request for validation on XX/XX/23, they received and signed the letter on XX/XX/23. I received a response from the company by letter on XX/XX/23, stating they already validate the debt and refuse to send validation again. I have never received anything from this company, I am alleging they do not have proof that this debt belongs that's why they can not validate the debt. They have violated the FDCPA numerous times, my next complaint will be a lawsuit is Idaho. They need to remove this debt from credit report.
Product: Credit card

On XXXX XXXX my card was used 3 times at the same XXXX station in XXXX FL for a total of {$68.00} and then early on XX/XX/XXXX my card was charged at XXXX for {$10.00}. My card has not been out of my possession and I have not traveled to XXXX, FL in the past 10 years or so. I filed a dispute and it was declined by Chime Financial in less then 24 hrs.
Product: Checking or savings account

I opened a high yield savings account with UFB Direct XXXX ( part of Axos Bank ), funded {$100.00} into the account. 
Within their transfer portal I was able to link it to my spouses XXXX XXXX XXXX Account to transfer in another {$3900.00}. No error popped up whatsoever. 

Then I got a message from them saying my account is locked because the names on the accounts dont match. But they already took the funds in and locked my account. I told them I want to add my spouse as the joint account owner then. That would solve the name mismatch issue. 11 days later and much back and forth of wanting the form signed physically instead of digitally signed and a bunch of lag in between their responses, I still cant access my funds. 
For many days they called my wife multiple times to complete the verification process but the interrupted without any notice all the phone calls before finishing. 
And than emailing me that they are sorry that the connection was not correct but keep repeating the same thing again and again, they really look same like scam calls or very bad costumer service to my wife.
Product: Credit card or prepaid card

I have been in contact with Bank of America, attempting to retrieve my stolen funds in the amount of {$370.00} since XX/XX/2021 with no success. I have reopened the claim several times and they continue to auto-close the claim.
Product: Debt collection

XXXX XXXX XXXX, for the second time, is attempting to collect on an already satisfied loan with XXXX XXXX. XXXX XXXX XXXX has transferred/sold this same account to two other entities XXXX XXXX XXXX and XXXX and XXXX ) in attempts to further collect on their behalf. 

I have sent all involved parties certified letters requesting them to cease any collections efforts and the account is essentially handed off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed by Equifax that my credit report that they kept on file has been compromised, including sensitive and secure personal information such as DOB, SSN, DL, address, etc. 

I also understand that this is a result of gross negligence by Equifax, and could have serious implications, including identity theft, reputational damage and financial fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I wanted to reach out in regards to the following accounts : Department of EDXXXX XXXX These accounts are reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verified. XXXX has removed these accounts because they were unable to properly verify it. { Please see attached file } Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Please send proof that these accounts have been properly verified or remove these accounts from my reports immediately. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I am submitting a compliant in reference to this company XXXX XXXX  Corporate Guest Relations XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX and to the collection agency Consumer XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof of the purchasing agreement? Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave consent to run my credit report and feel as though this is identity theft.
Product: Credit card or prepaid card

I was buying flight tickets through an online travel agency in mid XX/XX/2022 with my Chase credit card. The travel agency is XXXX, and the tickets were for 3 people going from XXXX to XXXX. On my first attempt to purchase the tickets, the website told me that the payment failed. I then try again, because I knew my card was in good order. The pop up again notified me that the transaction failed. 
I later notice emails, and I believe app notifications or texts from Chase. They were suspicious activity warnings. They explained that the transactions were stopped, asked me to approve them, and says that this transaction was declined, so I would have to go back to the vendor and try again. 
I went back to the travel agency and tried to process the payment. It works. 
At XXXX XXXX the next morning. I got three order confirmations for the tickets. All three attempts went through, even though Chase said they were declined.. Note, it is not even possible for the tickets to be used. 
I go to my chase app to check if I was charged three times, and I saw three pending charges. The app said I can not dispute charges until they posted, so I waited to see if all three posted. 
Upon receiving my statement, I see three charges. I contact Chase, and they say they found the transactions to be legitimate. However, only one of the charges should of went through. Chase has refused to solve this issue, and the travel agency has went quiet.
Product: Bank account or service

I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over 7 different occasions.
Product: Credit card or prepaid card

In early XXXX of XXXX, I received a statement from Comenity Bank indicating a balance of {$160.00}, including a late fee of {$75.00} and interest charges of {$4.00}, but the statement does not contain information on any purchase. Additionally, the statement does not have a header and doesn't show any retailer name. I called Comenity Bank on XX/XX/XXXX to inquiry the charges and informed them that I have not received any statements recently and this is the first time I am seeing the charges. They indicated the purchase was for XXXX XXXX and agreed to waive the late fee, but refused to waive the interest charges. I asked to speak to a supervisor and they dropped my call two different times. I called a third time and the customer service person transferred me before I even finished my sentence. I have sent in a payment of {$91.00} on XX/XX/XXXX, which includes my purchase amount of {$86.00} and the interest payment of of {$4.00}. I have also requested them to close the account. Given the circumstances and the fact that I did not receive any statement until a payment is due, I believe their practice is unfair and violated me as a consumer.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. These accounts are not complete and inaccurate. XXXX XXXX bank Account number XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Received a letter from Chase on XX/XX/2019 informing me of their decision on a transaction dispute I requested they open on XX/XX/2019. Emailed them same day, XX/XX/XXXX, the decision letter was received for an explanation as to why the investigation into this dispute ended with a result that was not at all related to the original complaint. The dispute was never for a billing error. It was because the merchant was deceiving in selling a device that is not compatible with my vehicle and has since ceased email contact for troubleshooting and return. I provided all proof/evidence via secure emails I forwarded Chase to investigate the dispute, the seller even stated in the email that if the device is in fact not compatible, he will proceed with a return at my expense. After sending him proof via email proving his device is not compatible, he has ceased correspondence. All the email correspondence as well as proof the device not working as promised has been forwarded to Chase to review. A Chase representative promised an explanation of the decision made by their dispute department within 3 business days regarding their decision -- still have not heard anything regarding my dispute.
Product: Debt collection

Since my previous complaint, the credit score went up and a month later again dropped a company called cascade capital funding hit my credit in XXXX now with another emergency physicians billing from XXXX XXXX XXXX that i visited back in 2019. Then again I went to their case management office and applied for financial assistance and filled out the XXXX paperwork. Several days later I attended an appointment there and the case management representative said everything was processed and approved not to worry. Now I called their emergency physicians office 3 was ago, gave them my information and told them that case management had processed my payment information and today they said they were waiting to here from XXXX and it has been 3 weeks since I called them and they seem not to have any information. And I told them that case management had helped me with the financial assistance request and XXXX and they have made no effort to look into that. I called case management left severL messages and still have not heard from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$160.00} Account number : XXXX the account is not 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit card or prepaid card

I was initially issued a credit card by mistake because for some reason they approved me for a business credit card ( I was not aware of that ). Upon receiving a card in a mail I saw on it it was stating " Spark for Business '' I went to a local branch and inquired If they made a mistake, branch manager told me " just use it ''. In XXXX of XXXX I was contacted by the bank they admitted they made a mistake however stated that I'm fully liable for a remaining balance as well as APR, since then I was really mad with them because THEY MADE A MISTAKE INITIALLY and I have to pay a price in APR. I went through struggles in my life since then, contacting the bank asking them to please give me a brake in  payments they never did moreover they did tell me if I fail a payment they will report to a credit bureau and my credit will get worse. After many complaints within their bank I was contacted by their executive team from XXXX ( XXXX ) XXXX a person 's name is XXXX Employee ID XXXX contacted on XX/XX/XXXX XXXX in the morning. 
XXXX stated : " You were not liable for this account payments since its closure ( XX/XX/XXXX ) however you still have a balance and once account is closed we don't report on it to a credit bureau '' Thus I believe Capital One Bank was extorting money from me for 1,5 years ; I've contacted OCC group however not satisfied with an outcome, these people were threatening me with my credit for such a long time and I never failed a payment, OCC made them to waive a remaining balance and remove it from my credit at all, I believe it is totally unfair to me after made so many payments on time and being APRed at 24,99 % for such a long period of time, I demand justice and all the money paid them back NOW! or otherwise I will take them to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed erroneous info to be on my credit file that is damaging my credit score, and credit worthiness... 

Unauthorized Inquiry : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX is old account I closed in XX/XX/XXXX ... they reported it as a charge off, I disputed several times, Experisan did not retrieve any records and mail them to me of what first premier had so I could respond, they only said it was verified, it is not a charge off XXXX agreed to remove from file after I agreed to pay it off, it must be removed
Product: Credit reporting or other personal consumer reports

Dear Nationwide Recovery Service, I am writing to dispute the alleged debt listed on my credit report XXXX, XXXX, and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next 30 days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.
Product: Credit card

Someone requested a new chase Amazon credit card using my name and address. I called Chase and they closed this card and the acct. Chase will b sending me a new card Within 5-7 business days
Product: Debt collection

XXXX XXXX NEED TO REMOVE THE ACCOUNT IN MY CFREDIT REPORT. ITS MORE THAN SEVEN YEARS, INSTED THEY REPORTED LIKE A NEW ACCUNT TO EQUIFAX. THIS IS AN ILEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the wrong hands.
Product: Mortgage

I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!