23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have tried to use my Amex gift card at multiple online merchants ( XXXX, XXXX, etc. ) and every time I try to use it the card gets declined. Every purchase I have attempted to make is less than the balance on the card so there is no reason for it to be declined. When I called Amex customer care to try and resolve the issue, the representative told me that the issue was on the merchant 's side as they may require additional security information to process the transactions. She recommended that I use the card at an in-person location. I mentioned that the item I am trying to buy is only available online and on the Amex information page on using their gift cards, they state it is accepted online at any merchant that excepts Amex. I explained to her that I have not had any issue using previous Amex gift cards to make purchases and she said that the only resolution that she could offer me is to use the card in person. Unfortunately this is not helpful as I am trying to buy a gift for my husband that is sold only online.
Product: Mortgage

We recently sold a home in New Jersey and a previous mortgage showed up for XXXX XXXX. My attorney found out that this mortgage was satisfied almost 20 years ago but a Discharge of Mortgage was never filed with the XXXX County Clerk. The new buyers continued with the purchase of our home but held {$67000.00} in escrow. My attorney has contacted Dovenmuehle and they were supposed to get a Discharge of Mortgage and file it with the Clerk. He has been dealing with the bank since the end of XX/XX/XXXX and has dealt with XXXX XXXX. Numerous calls by my attorney and myself have been to no avail. I need this money to purchase another home and believe that the almost 3 months we have been dealing with this is more than enough time. PLEASE help. The loan number was originally XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this because i have noticed inquiries on all 3 of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also while looking at my Consumer Report I see that XXXX XXXX is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to end a security freeeze on Experian using both their online portal and over the phone. 

The phone support was completely automated ( I was completely unable to get to a real person even after spending 2 hours and researching online ). I did have the freeze PIN which should have been enough to get me to unfreeze my account but it would just tell me to use the website ( even after a used a valid PIN ). 

On the website itself, it is accepting my username/password but then forces me to request a credit report to proceed. At this step, on providing my info to do so, it shows a server error with not further explanation on why it happened. It simply gives the support number. 

I have also tried to upload documentation as suggested on their site to proceed XXXX XXXX XXXX Researching online, I was told that there were quite a few other people in the same situation who were forced to get pay up for a premium account to be able to then unfreeze their account.
Product: Checking or savings account

On XX/XX/2020 4 fraudulent transactions at a XXXX in XXXX, GA for a total of {$830.00}. 
Claim number XXXX The fraud was executed by calling me from a spoofed phone number made to imitate Chases own customer service number. They posed as if my bank account had been used in Texas. They then proceeded to walk me through, with great accuracy, the steps to replace my debit card. While asking me the requisite questions they supplied me with a two-factor code to verify my identity. 

That code was instead used to add my debit card to a XXXX XXXX XXXX, a service I havent ever used. They then proceeded to make the fraudulent charges. 

I have filed and re-asserted my claim that this was fraud and I shouldnt be held liable but Chase has shot both of those claims down. All under the pretense that me giving that two-factor code to them justifies the dismissal. My last conversation took place on XX/XX/XXXX. The agent would not re-open my claim. I asked to speak to a supervisor and was told I would be contacted in 3-5 business days to discuss the issue further. 

Its has obviously been much longer than that and I havent heard anything from Chase since. 

At this point Im not sure who to turn to for help, and a friend suggested the CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open XXXX XXXX XXXX  credit that I currently use so I dont know how I have a charged off account with them
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I saw a XXXX about a company that would reimburse you for the amount you contributed to your XXXX so you could get your full match and then you could pay them back plus a small fee after a year or more. They said they would work with your XXXX company to extract what was owed to them from your XXXX. There was nothing about it being a loan or there being interest charged beyond a {$10.00} fee per disbursement. It sounded like a great way to get my full company match and a little breathing room for my expenses. I should have known it was too good to be true. 

The company didn't disclose that they expected that you would take out a loan from your XXXX to pay them back. They also didn't disclose clearly that they could increase their fees at anytime by any amount. Once I owed about {$3500.00} or {$4000.00}, they increased their fees from {$10.00} per disbursement to {$50.00} per month. You could either pay the full amount owed or continue at the new fee. I didn't have that kind of money available to pay to them, so I was forced to continue. 

A few months later, in XX/XX/XXXX, they said they could no longer continue disbursements until either I paid half of what was owed to them ( $ XXXX ) or I could stop participating and I would owe them all a payment in full immediately ( $ XXXX ). This notice was provided with no notice to change my paycheck and my contribution status and only 25 days to when the full payment was due. 

No one who would participate in a program like this has money just sitting around or the wouldn't participate. I reached out to XXXX to see if they offered payment options, but none of the options would allow my balance to stop accruing and none of them would offer a payment amount lower than {$400.00} per month. Again, this was provided to me with 25 days notice. 

A change in payment terms and a half or full balance due feels predatory in nature especially when these were not the terms I agreed to at the start of the program and this was not how the program was advertised. It was only once I was enrolled and already owed over $ XXXX that they started changing the repayment timeline and terms.
Product: Debt collection

I was reviewing my personal credit history from the app XXXX XXXX and then I found out there is an overdue amount from a collection agency. I called and collection agency told me it was XXXX XXXX XXXX account. They provided me the account number XXXX and the history, so that's why I reported fraud to XXXX XXXX XXXX. Someone used my identity to open the account and I did not know until I was checking my credit history.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened my Checking account at XXXX XXXX XXXXXXXX in XXXX, NJ. I made first deposits by using Zelle to request XXXX dollars from my mother. On XX/XX/XXXX afternoon, I was in classroom. Suddenly Zelle sent me bunch of emails saying that I violated their policy, which I never done. I only received {$10.00} from my mother by Zelle. I never made any transaction with my account yet, XXXX is XX/XX/XXXX, I just activated my debit card. I contact Zelle and XXXX, more than 15 calls I made. Still, no one solved my problem. I am a high school student with XXXX, it's difficult for me walk to the bank using ATM to make deposits. Please help me, thank you!
Product: Credit card

On XX/XX/year>, I wrote a letter to Concora Credit regarding charges I found on my XXXX statement were fraudulent. I never received a response. 

I get my XX/XX/year> statement, no adjustments are made and I made my minimum payment due. 

XX/XX/year> statement arrives, charges are STILL not adjusted, the account has not been closed as I requested and I'm accruing interest in charges that weren't mine. 

XX/XX/year> I wrote a 2nd letter requested a 2nd time to close the account, adjust the fraudulent charges and mail me a new card. No response again. 

It is now XX/XX/year>, no response has been forthcoming by the credit card company which leaves me with no resolution other than to file a complaint with CFPB.
Product: Checking or savings account

On XX/XX/2022 - I received a phone call from my bank ( Hancock Whitney Bank ). It was not actually the bank, it was a scam. 

The scammer informed me that my account had been hacked, and that fraudulent charges were being made to my checking account. From there, he stated he was closing my account, ordering me a new card, and upping me to maximum security. 

Mind you, this is all on the banks phone #, and under the guise of upping security / verification of identity, and from there, I gave him a lot of personal info. 

I thought the account was closed and the problem was being handled. I received an email this morning, XX/XX/XXXX, from Hancock Whitney saying I added my card to XXXX XXXX  and if I didn't do this, to call this number immediately. I called Hancock, and fraud department froze my account, and advised me to get to a branch immediately. 

Both the phone number that called me at XXXX and the phone number I called to report the fraud is the same number! 

I've been in close contact with the local bank and police, and it's clear the bank line was " spoofed ''. The resolution is still pending. I have contacted the 3 major credit bureaus and have applied for identity theft protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently in the months of XXXX, XXXX, XXXX, XXXX, and now XXXX disputed for the fifth time, a total of 18 individual Student Loan accounts with Experian. By the way, I asked for validation and verification of the reporting negative information all 18 of these accounts, which Im XXXX have been paid in full and consolidated into two accounts. All they did was update the accounts with a FP ( failed to pay ) status. The accounts clearly show on my recent credit report that I have made 100 % of my payments on time for all 18 accounts. So I then paid to have a {$29.00} fee to update my credit score to see if they have deleted these accounts and they did not. Please help me because this is not right and I have taken the proper steps to fix this issue and have not been successful.
Product: Checking or savings account

In person deposit at BofA of two cashier checks with values of $ XXXX and $ XXXX from XXXX and XXXX XXXX. BofA applying a 6 business day hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights.

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

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

I was putting my information in to Experian for my free review. Once I submitted the information the site stated that they had a technical issues and for me to exit the site. I was n't given the chance to review the results later or through the mail. Even though it was an error on their side, because I attempted to get the results I have to wait a year for the free report again.
Product: Debt collection

I received a bill with date listed of XX/XX/2022 from a debt collector : XXXX XXXX XXXX for the " your local yellow pages ''. I have never signed up for that company or for any other advertisements. I am a XXXX and the owner of XXXX XXXX XXXX. 
The balance they state I owe is {$390.00} for something I have never ageed to nor signed for. 

account number XXXX XXXX XXXX XXXX
Product: Debt collection

First, I do not know who is BSI and had no business association with that bank or company, but called my home several occasions asking for my address and the condition of my house. So I to sent them a debt validation letter, no response, and likewise QWR no response. Yet keep sending Mortgage Statment with some ridiculous and extravagant sum which was paid off. 

The balance was {$28000.00}, XXXX received a grant in my name for {$18000.00}, plus I had paid XXXX for 5-years {$520.00} per month = {$31000.00} + {$18000.00} grant= XXXX. 
Enclosed with BSI Mortgage statement. When I filed Chapter XXXX Bankruptcy BSI was not on the creditor list but they appeared at the hearing as a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX and theyve advised my payment amount on my account is updated. They advised the credit bureaus are not updating my balances. This is an ongoing issue with all three bureaus, failing to update balances.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX XXXX. 
XXXX : XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Credit Reporting Bureaus such as : XXXX, XXXX, and Equifax has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card

I have been denied for fraudulent charges on my Bank of America credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later.
Product: Checking or savings account

I got letters in the mail from M & T bank about an account opening on XXXX and then got another letter from XXXX XXXX  stating I opened and account with them on XXXX. 
I did call both and have them both close the accounts and was told to come here and report that. I also got a letter stating that I ( AKA someone else ) put in a request for unemployment with the current work place I'm at, I sadly couldn't get ahold of anyone to inform them that it was not me. I haven't given any information to anyone.
Product: Credit card

I noticed Two purchases in XXXX that I didnt make in XXXX XX/XX/XXXX XXXX estimate {$130.00} each time estimate total {$260.00}. 

Then two other purchases at Two stores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letter to XXXX, Experian and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.
Product: Mortgage

I believe that Wells Fargo is intentionally trying to find a reason to abandon their commitments to me. I don't know why they have decided to discriminate my application for refinance but I believe they have decided they don't want to refinance my loan. They are asking for signed documents answering questions that are inappropriate. I believe they are using extraordinary uncommon methods of investigating me and my wife.
Product: Student loan

been paying for years and amount not going down. cant afford and live at the same time with what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Student loan

I do not qualify for either one of these forgiveness programs and I think if they can come up with debt forgiveness for people who do not make enough money to even live, I have been trying to find another job, making more money. I can not afford to pay, even the money that I pay. It has been a struggle having to even borrow twenty dollars to pay a bill.

I need the company to consider it forgiveness to individuals who can not carry the weight of low-pay and living paycheck to paycheck, when the Cost of Living ( COL ). I don't make enough to reach a certain standard of living. It is tough trying to maintain food, rent and other expenses. 

I hope you can reconsider my complaint as an XXXX whom has fallen on hard times and is trying to make it day by day. I don't look for handouts, I look for someone to understand our everyday issues that face our society today.
Product: Debt collection

: Subject : Complaint Regarding Ntl Recovery Agency and Potential HIPAA Violation Dear [ CFPB ], I am writing to file a complaint against Ntl Recovery Agency regarding their collection practices. I welieve they may be violating the Health Insurance Portability and Accountability Act ( HIPAA ) by sharing my medical information without my consent. 
Here are the specific concerns I have : Unauthorized Disclosure of Medical Information : Ntl Recovery Agency has allegedly shared my medical information with someone without my prior authorization. 
Privacy Concerns : I am concerned about the privacy of my medical recods and want to ensure they are handled appropriately. 
Missing Five-Day Notice : I never received the required five-day notice before any collection activities began. 
I would appreciate it if you could investigate this isue and you have 15 days to respond or your is acquiescence. 

Thank you for your time and assistanc. 
Sincerely, [ XXXX XXXX XXXX XXXX.
Product: Credit reporting

I have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters, copies of personal identification information and police reports to Equifax informing them the following fraudulent accounts do not belong to me and that I am a victim of identity theft : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Child Support ENFORCEMENT, XXXX, XXXX