23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, while on vacation in XXXX, XXXX, I went to fill up at a gas station, where I handed my credit card ending in XXXX to the gas attendant who had a HANDHELD CREDIT CARD MACHINE, I assumed that the HANDHELD CREDIT CARD MACHINE was for the GAS STATION and no other business. He then proceeded to run my card on the handheld credit card machine that I thought was for the gas station and then returned it back to me stating my card was declined. I was not given proof of said declined charge. As a result, I proceeded to pay with cash where I was not provided with a receipt for cash payment. I was not aware this handheld credit card machine was for a business named XXXX XXXX XXXX  from XXXX XXXX . I DID NOT authorize payment of {$590.00} to this said merchant, only to the gas station XXXX. 
Again, although I DID hand my credit card for in person face to face charge, I was made to believe that the handheld credit card machine was for the gas station XXXX. I was not informed that handheld credit card machine was for another business. 

It is impossible to believe that I may be the first person that his happens to where people hand over their credit cards to be charged on a handheld machine, be told it was declined and later find out card was charged for a transaction that was not authorized. 

I am very displeased with Barclays asking for proof of payment with other means, as I stated before, when I was informed my card was declined ( with no proof provided ), I paid cash and was not provided a receipt for cash payment. I re-state, I can not be the first one that isnt provided a receipt for cash payment. 

Your letter dated XX/XX/year> mentions that Merchant has not violated the terms and conditions of the contract. I have called Barclays asking for the contract and the contact information of the merchant so I can then dispute the charge with the merchant directly. Barclays fails to provide this information. This is also unacceptable.
Product: Checking or savings account

My credit karma XXXX XXXX XXXX accounts were frozen on XX/XX/XXXX after I noticed a password change on my account on XX/XX/XXXX. A few days later after chatting with credit karma and simply being told to change my password, I started a case to request a new virtual card just in case whoever got into my account obtained it. Then on XX/XX/XXXX i received an email sayinf my account has been locked and to submit information to verify my identity. I do so, then XXXX hours ago and i check my banking app My credit karma XXXX  account has not just been locked, its been frozen. called 4 times about the issue and was told the case was sent to a specialized team. I webchatted about it and was told nothing could be done on their end and to call the number. The fraud team is only used to gather and disperse information. I was told that within XXXX hours all devices accessing my account will be kicked off of my account. What? That should have been done the day I changed my password, the day that my account was accessed. Have they not been kicked off of the account after changing my information? That's ridiculous. It doesn't take XXXX hours to do. Every other website kicks other devices off when you change your password. XX/XX/XXXX I called credit karma after XXXX hour timeline had not been fulfilled and was told to continue waiting. I called XXXX XXXX who stated they would escalate things with credit karma after much push back and being told to wait XXXX hours. It is ridiculous that it takes this long to resolve a frozen account. Whoever has accessed my account still isn't kicked out of my account either, I know because I haven't been kicked out of the app yet. I've called 9 times today. This needs to be resolved immediately! This is my only checking account and where all of my money is!
Product: Credit card

Wells Fargo offers a a XXXX Visa credit card and advertises a promotional 0 % APR on balance transfers made within the first 120 days of the credit card being issued. I received this card, however, Wells Fargo is not permitting me to perform an online balance transfer. Wells Fargo representatives failed to provide information or explanation as to why online balance transfers are not permitted.
Product: Credit card

I received a billing statement from Home Depot Consumer Credit Card services on or around XX/XX/year>. This billing statement indicated I made a purchase of {$1300.00} for a few items that I never heard of. I could not figure out what exactly was purchased because of the vague description on the statement. 

I then tried to log into my account, however I quickly realized that I never open a Home Depot account. I was able to log into my account by retrieving my username and changed the password. Online, I saw that this order was made at a Home Depot store in a city that I never have heard of in Michigan. ( Note : I tried to log into the account before writing this, but was not able to due to my SSN number not matching the name on the card? I can not remember the name of the city, but I looked it up at the time and I remember it being in the eastern part of Michigan. ) I called the credit card company, which appears to be in association with CitiBank, and explained everything. I was told this would be resolved. About XXXX weeks or so later, I received a letter saying that I was being held responsible for the charges. I called the company again, this time asking for information about the investigation. I wanted to know specifically how they came up with this decision to charge me, despite the fact that I did not make this purchase. I was told the investigation would be reopened, they asked me a couple of questions about the purchase, and then told me they would get back to me. 

I waiting another XXXX weeks or so and received an almost identical letter telling me the same thing : I am being held responsible for these charges. 

The bill is now {$1700.00} because of fees and interest. I have not made any payments. I feel like this company could have done way more to investigate. I did not make this purchase. I did not open the credit card. I have never heard of the city in which the Home Depot is located. The items purchased were never described to me. Nobody ever tried to find out if I had these items in hand. 

After a lot of searching, I came across this website that comes highly recommended. I am hoping this nightmare will end here. 

Thank you so much for your help.
Product: Debt collection

This company, National Recovery Agency has stolen my identity by way of fraud and is attempting to collect a debt I dont owe them. I never signed a contract with this company. They are using my private information to coerce payment.
Product: Credit reporting or other personal consumer reports

KOHLS/CAPONE & XXXX I am writing this letter received a credit alert that an account for XXXX on XX/XX/XXXX and a charge for a XXXX machine was purchased and called them and it was delivered reported it to the bank and theyre investigating it. Another alert for hard inquiry was taken for the KOHLS/CAPONE on XX/XX/XXXX. I would like to have these fraudulent accounts shut down also filed an identity theft report on these and placed a credit freeze and alerts on all reports.
Product: Debt collection

A lady came to my home to serve me papers. She left them at my door. I got off work and responded the following day by contacting the courts as directed. According to the papers the address they had on file was my grandmothers. I haven't lived there in over XXXX years. I have been residing in the state of Texas for 10 years. The courts directed me to contact the company, so I did. the company said to file this report so that is what i am doing now.
Product: Credit card

I am trying to pay off my credit card, I tried to access my account but it wont let me sign in. I tried to change my password multiple times but it wont let me as well. I called the credit card company multiple times but its either they don't want to help me or they can not help me. I need to be able to see what I owe, to pay them. It's kinda unfair that I may be accrued or accruing interest charges when I tried multiple times to pay my credit card bills. If I can not access my account, and they can not do anything to give me access to my account then who can?
Product: Checking or savings account

I am an employee at XXXX XXXX XXXX who works with capital one to deposit our checks into our banks, Was expected to receive direct deposit thursday XXXX  XX/XX/year> in the XXXX  after not receiving direct deposit thought may be delayed for a couple of hours, at XXXX received a email from our field support at the company stating due to a third party vendor issue / outage all employees at XXXX XXXX XXXX  would not be receiving our payroll on expected day XX/XX/year> Friday at XXXXXXXX XXXX Was informed by same field support that We would be receiving Payroll and direct deposits by friday XX/XX/year> but at a later time than when would typically get paid, Next Morning friday checked and still no direct deposit at around XXXX XXXX Read another Email from The field supporter stating and sending a letter sent by capital one stating we would recieve Direct deposit Today but depending on bank it would be up to them at what time it is now XX/XX/year> XXXXXXXX XXXX in california And assuming all banks are now closed and have still not received direct deposit, This is a complete distress for me an my family as to having bills due today and needing money to pay for groceries such as food and as well gas to get throughout the weekend as well as to be able to get to work and paying a phone bill which now will have to pay late fees due to not receiving the money that was supposed to be deposited since XX/XX/year>, and wondering how i will be able to call as well as get to places and to be able to clock in to work monday as to not being able to may phone bile but need phone in order to work as well needing gas to get to work, I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to XXXX5 USC 6801 ( a ) which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Equifax, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Bank account or service

Applied for a Discover bank savings account through a promotional offer for {$100.00} bonus ( XXXX ) After all requirements were fullfilled, no communication from Discover, no bonus credited. 
Called 3 times to resolve, finally they claimed that the offer expired before I opened the account which was clearly not the case as listed on their own webpage. 

Discover refused to switch to another promotion by saying that new promotions are only for new customers so I would no longer qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.
Product: Debt collection

I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, My name is XXXX XXXX and I want to complain about a matter handled by synerprise debt collection.I paid the debt and they said that they will issue me the credit deletion letter.This was about a month back.The lady at the customer services desk got my email and told me to give her her the security PIN to open the email attachment which she will send at my email.It never happened! Despite my repeated reminders and requests, synerprise will tell me that I willreceive the credit deletion letter within two days .Its been over a month now and I haven't received the credit deletion letter.

Please look into the matter and get it resolved ASAP!

My Cell # is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reported me for bad debt I didn't know about. They never called me I had to find out on my own why my credit score dropped. I paid promptly when I found out. My XXXX XXXX went from XXXX to XXXX. All they had to do was let me know. Do you think a man with this score doesn't pay his bills.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX  XXXX shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXXXXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXXXXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXXXXXX XXXX XXXX XXXX XXXXXXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXXXXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX XXXX XXXXXXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXXXXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Vehicle loan or lease

I paid off my loan the first of XX/XX/2020. After five different phone calls, I still dont have the lien release letter. All Reps to include a supervisor told me its not their fault and to just keep waiting. I havent moved, same address for XXXX + years. I was even told on the last call they would send it XXXX, that was around the XXXX XXXX  XXXX. I called today, XXXX XXXX and was told they cant give me the tracking number, to call back another time? Please take a moment to review their XXXX page, countless posts just like mine. They are horrible after you pay off your loan.
Product: Debt collection

Calls constantly. Shows up at my house unannounced & beats on my door
Product: Debt collection

This account is being disputed with the credit agncies.this account is from Discover bank.It was opened in XX/XX/2017 and in XXXX it was lost due to the problems caused by hurricane maria where we had losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I requested that XXXX financial cease and desist collections due to the fact that this account under XXXX law is past the statue of limitations which was XXXXyears and now that the new law have passed its XXXXyrs in XXXX im still recieving harassings calls in regards to this account instead of ceasing collection activative on my report they updated on the report as a late payment and this account is over the statue of limitation
Product: Checking or savings account

Well Fargo Bank On XX/XX/year>XXXX  an unknown unauthorized person was able to access my primary check account, they created a savings account and somehow was able to transfer all my primary checking account balance into that savings account. After this they withdrew all the $ it was {$45000.00}. How could the bank allow this. Husband rec 'd a call from a WF rep? after this happened don't know if it was legit they said it was someone named XXXX XXXX? This rep was in the XXXX XXXX. I looked at my account online right after this on my computer and my checking account was not even showing on the screen. It was completely gone. I immediately went to the bank and filed a fraud stolen $ report. I have a letter dated XX/XX/year>XXXX  telling me the claim is closed. It did not say the $ was being returned but I saw a banker the day before this letter arrived and she stated no $ being returned. This banker filed a complaint and asked that it be escalated and re-reviewed again. I also called WFB the day after receiving the letter and demanded they reopen the case. As of today XX/XX/year> I have heard nothing. I work for the fed gov't my paycheck comes from the dept of treasury. This is a crime. I have filed a police report with the XXXX, CO police dept. and the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX