23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last month I received a new credit card from discover card. They changed the product that I already owned as I was not using my existing card anymore. The new card looked better therefore I activated it. When I checked my account online it showed a negative rewards balance of {$120.00}. It did n't make sense for me to have a negative balance as I was not using the card much for over an year. When I inquired they did n't give me a an explanation and said they would check and get back to me. I never received a call therefore I called again to check. At that time they said it could be due to returns but since the returns over 2 years did n't even amount to {$500.00}, it was unlikely to get - {$120.00} balance. That theory was rejected and then they said they will get the issue to headquarters and some supervisor would call me in XXXX hrs. Never received a call again. I then sent a message and they replied that a supervisor had left a message on account that it could be due to a transaction that was not paid using discover card. Again it was a theory and they never mentioned the transaction in dispute. Also, how could they offer a reward and then reverse it when the card was n't even used. It did n't even make sense. I again asked for explanation and have n't heard back yet for a week now. I need to know why I have negative balance in rewards and if there is no decent explanation I want the negative balance to be reversed.
Product: Credit reporting or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$4600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  : {$940.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX  : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$7500.00} XXXX  XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Made a purchase on a website, cashapp was a payment option, its presented as a debit card with cash loading options and money transfer benefits. Assuming one has the same protection as with other debit cards with all transactions, my purchase should have been placed on a pending. 

XXXX dollars for one purchase for XXXX $ XX/XX/2022 around XXXX am saturday early morning/fridays bar closing I even pointed out that the name on the website owners account wasnt a match to who i was entering for and was advised to proceed with the payment before the order would be shipped As with other merchants, i expected that once delivery packaging was set, only then would my payment continue processing. 

My payment went through, the wrong person who got my money gave me a thumbs up, and cashapp refuses to investigate further according to the discourse with 3 of the 6 or 7 employees via email ive been in communications with All i want is my XXXX dollars worth of products i ordered and the change returned or the XXXX in cash if no goods are going to be shipped to me, and as the financial institution providing online shopping options, i expect the due diligence of the company to allow more than five minutes or less to try and cancel a payment, especially in a world of pocket dials and accidental button presses Suddenly i type an extra XXXX as i click for the next page and i lose everything i have ..... 

What do I do? XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681 e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681 e ( b ).

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.

They must be blind because everything is inconsistent.
Product: Credit card

Hello, We were extremely dissatisfied with one particular merchant 's services and felt like the card charge was not fair. With spoke to Capital One on XX/XX/XXXX and twice on XX/XX/XXXX and submitted the needed 19 page document several times by fax. We spoke again to supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX who informed us that the case was closed, because " there was no enough information '' by XX/XX/XXXX- a letter that was not received by us. The supervisor mentioned that the reason the 19 page form was not accepted could have been due to electronic vs hand written signature. 
We called Capital One again to follow up on XX/XX/XXXX and the dispute team responded " There is no rights for us to continuing the dispute with the grounds submitted '' - XXXX XXXX XXXX XXXX  XX/XX/XXXX, no letters ( by email or by paper ) were provided.
Product: Mortgage

I have ha d   XXXX   HE LOC loans on  XXXX  different pieces of property that I was only paying interest only on. At the end of the term I was sent forms for assistance in loan modification. I began this process in   XXXX   XXXX   XXXX   XXXX   XXXX    ,  one yea r ago. I have gone to my branch and faxed over  500 pages  of documentation that was requested. Then every month after that I have resubmitted the information because it was " lost '' or sent to the wrong place. With the last call I was told that this should be it and they would let me know the status. I got a letter today saying that they are still missing information and I should call immediately to find out what they are missing now. When I called I was told that I did n't have any missing information but that I had to start all over. I off course was livid. The lady in charge of my account blamed the system for loosing things but that she could now see everything and the underwriter should be able to also and that she would be checking back with me if any problems. I have not heard anything for a month or so and thought things were progressing properly, until the letter today which states that I am still missing something and need to call them which I did. I started this call at  XXXX  and it is now  XXXX  and I 'm still on hold. Please give me some help.
Product: Money transfer, virtual currency, or money service

Hello, I opened an account with Gemini Trust Company , LLC ( Gemini Exchange, LLC ). cryptocurrency exchange and custodian on, XX/XX/23. I transferred collectively {$13000.00} to the platform from my XXXX XXXX account and purchased cryptocurrencies ( CC ). Since XX/XX/23 Gemini has blocked withdrawals on my account. After a month of adhering to and fulfilling security protocols for my account, and sluggish and no response from the Gemini support team, the company refuses to allow me access to my CC to transfer any of my CC out of my account. They are effectively holding my CC without my consent and refusing to give it back to me without any justification. This includes refusing to allow me to send my CC to a competitor XXXX, which is a US Publicly traded company for CC exchange. This amounts to theft as I no longer have control of my funds and they have been taken without my permission. 

I can send you all communications that have occurred with their support team. 

This is how they identify themselves in their communications : Gemini Trust Company , LLC ( d/b/a Gemini Exchange, LLC in AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA ; d/b/a Gemini Exchange in AK and WA )
Product: Mortgage

XX/XX/XXXX Ocwen has delay the short sale for the following property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I have provided all the documentation since XX/XX/XXXX. There has been 2 full appraisals and 4 BPO. There is a foreclosure date set for XX/XX/XXXX. I believe that Ocwen on purpose is delaying the process so the property can be foreclosed. I have evidence that the short sale department on purpose over looked documentation that was emailed to the short sale department. I emailed and fax 8 pages of evidence to liquidation appeals department including a document showing seller was contributing {$5000.00} to the mortgage Insurance company on XX/XX/XXXX, that same day the file was escalated to the underwriter I called on the XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX the agent ID XXXX told me to that the underwriter has all documents it needs and that they will need 48 hours for the approval letter and that by then Friday XX/XX/XXXX would be the latest for the approval letter. At XXXX XXXX this evening I recieved a text from XXXX XXXX XXXX  informing me that an appraisal has been order by Ocwen, more delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. Systems account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.
Product: Credit card

I cancelled a delivery order with XXXX, on XX/XX/23 XXXX has already released the hold on my account but Chime refuses to expedite my refund and are making me wait a week to get my money back.
Product: Student loan

I received an email from the Dept. of Education stating that the PSLF had been expanded and that I didnt need to do anything but that my payments toward forgiveness of my loans would increase by at least 33 payments according to their records. They suggested I send in a certification of employment to ensure all of my counts were updated. I submitted everything they requested. When I received my letter, it shows that my payment counts increased only by the employment verification that I submitted. My previous 33+ payments have never been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open DEPTEDXXXX XXXX Balance : {$10000.00} DEPTEDXXXX XXXX Balance : {$10000.00} DEPTEDXXXX XXXX Balance : {$4800.00} DEPTEDXXXX XXXX Balance : {$3100.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX  XXXX Balance : {$790.00} DEPTEDXXXX XXXX Balance : {$11000.00} DEPTEDXXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$20000.00} DEPTEDXXXX  XXXX Balance : {$6300.00} DEPTEDXXXX XXXX Balance : {$7900.00} Late/Closed XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} ChargeOff XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$120.00}
Product: Checking or savings account

XX/XX/XXXX - 3 transactions were made in my checking account with CHASE bank in the amounts of {$730.00}, {$310.00}, {$73.00}. I noticed these pending transactions on XX/XX/XXXX and immediately called the bank and notified ( filed a claim ) of these unauthorized transactions. I informed the Chase presentative that these transactions were still pending and the bank SHOULD NOT approve these transactions because I did not make the purchases therefore these are unauthorized transactions. A claim was filed and a temporary refund was shown on my account within 48 hours in the amount of {$810.00}. 

Claim number : XXXX XX/XX/XXXX - A letter is uploaded to my CHASE account with an update on the claim : Here 's what you should know We have reviewed the information you provided. We have also reviewed other information available to us or provided to us by the merchant/third-party and determined you should have only received partial credit of the disputed amount. As a result, we are removing {$730.00} from your account on or after XX/XX/XXXX. 
As a result, we are removing {$73.00} from your account on or after XX/XX/XXXX. 
Contact us if you would like to request the information we used for our research. 

I called the bank on XX/XX/XXXX to reassure them that this is an unauthorized purchase. I also informed them that when originally filed the claim I mentioned 3 transactions and the claim only shows {$730.00} and {$73.00}. A transaction for {$310.00} was missing in the claim. I was informed by the CHASE representative that the next step would be to file a police report with the total amount of the transaction {$1000.00} and not to file a second claim for {$310.00} because the Police Report would cover the entire amount. On this day I also requested a copy of the research CHASE conducted. 

XX/XX/XXXX - I uploaded the Police Report to the Claim number : XXXX via the CHASE application. 

I filed a second claim for the {$310.00} Claim Number : XXXX and also uploaded the Identity Theft Police Report to this claim. 
XXXX Additional Information : XX/XX/XXXX - I opened my mailed box and had a letter from XXXX dated XX/XX/XXXX Notice of Data Breach. Letter informs that information included was " your name, basic contact information, and payment card information such as encrypted credit or debit card numbers and expiration dates. '' XX/XX/XXXX - I called CHASE to follow up on my claims and I have been informed that they did receive the Identity Theft Police Report and it is denied base on their research with the merchant. The merchant refused to pay CHASE therefore they are unable to refund me the money that taken from my account. For a second time I requested a copy of " research/investigation '' that chase conducted XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

CITIBANK N A XXXX  which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : High Balance : Different account status reported by each credit reporting agency : XXXX : {$1300.00} XXXX : No reported XXXX : {$1300.00} Date of Last verified : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Activity : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Account status : Different status reported by each credit reporting agency. 
XXXX : XXXX XXXX : XXXX XXXX : No reported Account Rating : Different status reported by each credit reporting agency. 
XXXX : XXXX XXXX : XXXX XXXX : No reported XXXX year payment history : Different dates reported by each credit reporting agency. 
XXXX : None reported XXXX : None reported XXXX : None reported You, CITIBANK N A XXXX  have furnished inaccurate information in this account, you are in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. 
You CITIBANK N A XXXX  are a furnisher of information and are prohibited by law from reporting inaccurate information. 
XXXX XXXX Code XXXX - Congressional Findings and Statement of Purpose XXXX XXXX Code XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from capital one.
Product: Student loan

I submitted a request for payment review and assessment of my PSLF on XX/XX/XXXX. My original request went through employee # XXXX. I was told it would be up to 90 days to recieve my detailed payment tracker/count letter. I followed up XX/XX/XXXX and employee # XXXX told me that my request was in process but they were not through with the review. On XX/XX/XXXX I spoke with employee # XXXX who said that she was sending a request to expedite my account to her supervisors and that if I didnt hear something within 10-15 days to call back. I called back XXXX XXXX, XXXX .... 

Today was rough. 

I spoke to employee # XXXX who said she was simply with payments and would transfer me to extension # XXXX. There I spoke to employee # XXXX who had no real information and passed me to their supervisor employee # XXXX. This person told me that my account would be assessed within 120 days from the original request and was in a pending status. I reminded them that I was well past that 120 mark already ... they didnt have an answer so They passed me on to their supervisor, employee # XXXX who went by XXXX. Im told they are a lead customer service agent. They told me that since I was over the 120 days that they would send an email to expedite my request ... I said that I was actually following up with an expedited request that had not happened yet. Then they SAID ... I see, that email last time was sent by an agent on a lower floor, those arent effective and are rarely seen. The thing Im going to do different is, because I know people over there, is Im going to actually walk over there in a little while and talk to someone for you. I was floored ... I couldnt believe their claim that I and the last agent I spoke with were wasting our time and energies. I said, couldnt you speak to someone on my behalf now? They said they werent in the same building and would talk to whoever they knew over there in a few hours. I asked, at the water cooler? They said, yeah, basically. THIS IS THE BEST THAT YOURE GOING TO GET, XXXX. I CAN PROMISE YOU THAT. I was floored again. And asked to be transferred to their supervisor. 

I spoke to XXXX, who did not give an employee number but claimed to be a customer service supervisor. He told me we shouldnt be doing this in the first place ( speaking to doing expedited requests ) because it put me at an unfair advantage to the many people ahead of me who had been waiting 6 months or more. I said, you have lots of people waiting longer than I have? He said yes. He also told me that he was my LAST STOP and that he would take over the expedited request sent in earlier in the conversation in hopes that maybe it would do something. We had a conversation about my lack of faith, trust, hope that anything had been accomplished today and how many people had wasted their time and energy. I also pointed out that i didnt want an unfair advantage over anyone, and that perhaps that was part of the problem!! Im so upset. 

I said thanks, and that my next stop would be to contact the CFPB.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to two major credit reporting bureaus ( Experian/XXXX  ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all 3 bureaus. To date, Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$200.00}. Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last payment as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. XXXX is also reporting a {$0.00} credit limit. Experian is reporting a {$200.00} credit limit. Experian is reporting XX/XX/XXXX payment history as " paid ''. XXXX is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the Experian and XXXX disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.
Product: Vehicle loan or lease

American Finance went out of business without notice, and the XXXX XXXX XXXX where I got the car also went out of business and there's no one to talk to. I called about three weeks before they closed letting them know that my husband had passed away and I needed a lower payment, the representative I spoke to said she had sent my information to her manager and he was going to send me an email letting me know what he can do for me, I waited a week and still no email so I called back and I was told she had made a mistake and had to resubmit my information to her manager and I would hear from him in about 3 days, three days passed and I called back and was told the same thing, so I waited for another three days, and when I called back no one answered the phone at the finance company or the dealership, and that's when I saw on the news that they had shut their business without notice.