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

On XX/XX/2020 my USAA Visa card was used to make fraudulent transactions at XXXX ( XXXX XXXX for {$450.00} ) and XXXX  XXXX  ( Unknown Item for {$200.00} ). I have not used this card in years. After these purchaes were made, I received a fraud alert text from USAA. I called them and advised them I did not make these purchases, nor did I authorize my card to be used for these purchases. They instructed me to destroy the card immediately, which I did. 

A few weeks later, USAA called me and told me that because I was later able to locate a USAA Visa credit card at my house, and the transaction appeared to be a " card present '' transaction, they were NOT going to classify these purchases as fraud. It is their premise that these purchases must have been made by myself or someone in my household. 

They advised I file a police report and work with the retailers to obtain proof that these purchase were not made by me, someone in my household, or anyone I know. 

Subsequently, I contacted both retailers and asked for their cooperation in acquiring transaction history as well as video surveillance and still photographers of the subject/s making the fraudulent transactions. 

XXXX provided me with the transaction information as well as video and still photographs of the subject. It should be noted that the subject is neither a member of my household, nor anyone I or my wife know or recognize. The Security Manager at XXXX remembers the day this transaction occurred, as the subject also attempted to make a duplicate purchase with another one of my XXXX  credit cards XXXX a XXXX XXXX card I also have not used in years ). That transaction was immediately flagged as fraudulent, and the subject fled the scene. 

The XXXX store is also being very cooperative and I am still waiting for the security manager at XXXX to send me their transaction and video information. 

It should be noted that XXXX XXXX immediately recognized these purchases as fraudulent, however USAA has thus far REFUSED to remove these fraudulent transactions from my Visa account, even AFTER I signed a sworn affidavit and emailed them the transaction history and photographic evidence provided by XXXX. 

These are fraudulent transactions, and USAA is holding ME personally liable for these fraudulent charges In so doing, they are in direct violation of the FAIR CREDIT BILLING ACT ( FCBA ). 

To date, I have submitted multiple disputes to USAA, and made multiple pleas with them via telephone. They remain steadfast in their refusal to remove these fraudulent charges from my account. 

I am seeking the assistance of the CFPB in this matter, in the hopes USAA Federal Savings Bank can be held accountable for their refusal to comply with the FCBA. They are mandated by law to remove these charges from my credit. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Hello, my name is XXXX XXXX. I filed an arbitration against XXXX XXXX through XXXX XXXX XXXX ( XXXX ) on XX/XX/2022. I am requesting that Consumer Financial Protection Bureau open an Investigation due to this company is evading its responsibility to respond to arbitrations. 

The company has to pay the first arbitration fee, but they didn't pay and XXXX closed the case. First Hawaiian is under XXXX 's rules and thereby violating the contractual agreement. 

There was a person representing the company who I was emailing to discuss this but he ignored my emails and disappeared. 

I feel frustrated and hopeless. I have wanted to resolve this matter in the best way but the company evades its responsibilities. My credit has been greatly affected by this problem and I have not been able to get loans, my financial life is ruined and I don't know what to do. 

Also, First Hawaii says that the last payment can not be taken out by auto pay They claim they sent me notice but I moved and am getting all mail forwarded to my new address and did not receive anything. when I setup auto-pay no such thing was told to me about the last payment not being able to get paid by autopay. I am sending a check now to pay off the account in full I have spent a lot of time and money for this reason I write this complaint to you. 

Please see attached the correspondence from the XXXX XXXX XXXX and the arbitration clause.
Product: Checking or savings account

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically, CashApp fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Prepaid card

I received 2 Amex Gift Cards from my company for {$100.00} each. Neither of them will work at any online website ( I tried XXXX, XXXX, XXXX, XXXX, XXXX to name some ), and all were declined on XX/XX/. 
I verified on XXXX and confirmed the cards have been activated and only have a XXXX hold from XXXX. 
I have received Amex gift cards for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. 
I was on hold with customer service for over 3 hours ( XX/XX/ ) only to be disconnected when the CS agent answered. 
I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$200.00} in money I can't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX XXXX /Equifax . also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number
Product: Student loan

My loans with Navient have been late/past due for two months now, due to financial hardship. For the past three weeks I have received repetitive phone calls, no less than ten per day between two phone lines. I have spoken with representatives on NUMEROUS occasions and explained to them that it would be two weeks until I would be able to bring the account current. Hanging up with them, and hour later they call back. Over and over. I spoke with two representatives the week starting XX/XX/XXXX. Spoke to them again the following week, repeating the information I told them already. They repeatedly call, I have told them at least 5 times to stop calling and that they were harassing me, but this did nothing. Finally I go online and paid the past due amount to bring my account current on XX/XX/XXXX. I again, approximately an hour later received a phone call from Navient. I told the women I spoke with that I paid the past due amount. Not even 15 minutes after that phone call, the land line rings, and again it is Navient, I ignored the call. Two hours later I received another phone call, at which point I very angrily told the newest representative that it was paid and they were informed of it and are STILL calling. 
This has been extremely stressful, I have been very polite up until a point, I have been explaining my situation, and despite the unwillingness to work with me to get me some type of alternate payment option, the only thing NAVIENT seems to do is repeatedly call to harass. This needs to be reported and fixed immediately, so that others do not have to suffer needlessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of XX/XX/XXXX Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Product: Mortgage

My mortgage is held by XXXX XXXX and serviced by Shellpoint Mortgage Servicing. I asked for the payoff figures for XX/XX/XXXX and the prepayment penalty was calculated incorrectly, overstated by {$82000.00}. I have called 4 times now, emailed, and written a letter requesting a review and have gotten the same incorrect prepayment penalty restated three times. I have the funds ready to pay off my loan and it is being held hostage, costing me {$110.00} per day. Please help, I am at my wits end.
Product: Credit card or prepaid card

I have disputed a charge in the amotn of {$9900.00} ; however, Citi does not engage in constructive dialog despite their customer service representative confirming my signed document package was received, later to be told that it was not received by the due date ( XX/XX/XXXX ). Disputed XX/XX/XXXX, send initial information XX/XX/2019 ; XX/XX/2019 ; and again attached in this compliant to process the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Collection Account Numbers : XXXX {$100.00} XXXX - {$85.00} XXXX - {$57.00} XXXX - {$60.00} I have written Equifax asking for validation or deletion of these accounts and have received no response in over thirty days. 

The accounts named above are shown on my Equifax credit report as collections.

On my credit report the entries have ZERO contact information and don't even show who the creditor is I want them to tell me the name of the creditor responsible and provide validation of the debts, so that I may investigate. I believe they are from a collection agency that I disputed successfully in the past, and they have surreptitiously re-inserted the information, leaving out relevant identifiers. 

As I stated, I wrote them to dispute the information but as I stated I have gotten no response in OVER thirty days, which is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$720.00}
Product: Checking or savings account

On XX/XX/XXXX I opened an investment account with USAA bank. It was by accident and my boyfriend at the time had just gave me an early birthday/Christmas gift and had deposited it into the account. I called the bank when I realized it wasn't a checking account I had opened it was an investment account. They advised me that they were gon na closed it and send me my check. Considering XXXX is a lot to just wait to come. I waited. Fast forward to XX/XX/XXXX when they told me that my check should be delivered to my home sometime in late XXXX and it had already been sent out. I called them about 4 or 5 time and they kept telling me that it was not in their control. I even had the guy whose account it came from who was my boyfriend/fiancee at the time call and he got so fed up with them he refused to give them any more information and just wanted our money back. They refused to give it to me after already lying to me and telling me it had already been sent out. Then excuse my language but they blantly XXXX  and mind XXXX me into believing I was getting what was rightfully mine and my husbands back. And I still wait like an XXXX for {$4000.00} to be given back to us that they easily kept trying to tell me he reported it... as he sat next to be. As shocked as I was at how ridiculous these XXXX  sound. Trying to explain to me how they were WAITING for my funds to be reported as fraud. Keyword .... Waiting.
Product: Debt collection

On XX/XX/2018 I was notified by XXXX, a service of XXXX that a new collection account was added to my credit report. After finding the entry, I looked up the company that had placed it, XXXX XXXX XXXX, found their website and filed an inquiry into the account. I received an email response that did not acknowledge the account or address the information I provided them regarding the ID theft and fraudulent account report. I provided them with the FTC ID Theft Report number, Information about the original account fraud notification to all 3 credit reporting agencies, and the fraud notice on my credit reports. This particular ID Theft event was a closed matter. Some entity has sold the account, knowing it was ID theft to another collection agency, which is allowing this to continue. It should be illegal to sell an account that has been attributed to fraud or identity theft to another collection agency. Especially without having to ever notify the consumer. I was never contacted or notified about this debt until it was reported on a credit report. That is when I first learned of the account. I have been a XXXX customer in my home state, 1000 miles from the ID theft location, for years. XXXX never contacted me about this account! This is wrong.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a Goldman Sachs Apple Card was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted Goldman Sachs Bank on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent Apple card account, which I did.. I also sent documentation to XXXX, XXXX and XXXX. Goldman Sachs XXXX  days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. XXXX, XXXX and XXXX are not willing to fix my credit ( eliminate the Goldman Sachs Apple Card and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only XXXX XXXX is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( Goldman Sachs, XXXX, XXXX, XXXX ). 

Can't these people understand that it makes no sense for me to open a Goldman Sachs Credit Card a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Bank account or service

My Bank of America checking account was overdrawn due to a charge on my account of {$36.00} from XXXX on XXXX/XXXX/2016. A subsequent overdraft fee of {$35.00} was assessed on XXXX/XXXX/16 for the charge of {$36.00}. However, an extended overdraft fee of {$35.00} was assessed on XXXX/XXXX/2016. I explained to the representative that this was not explained to me when I opened the account nor does it show in the Bank of America terms. I spoke with Bank of America rep XXXX on XXXX/XXXX/2016 and ask if this fee could be waived as a courtesy but she refused, only stating that an email was sent to me on XXXX/XXXX/2016 advising me that my account would be assessed an extended overdraft fee if the negative balance was not cleared up. I advised her that the only emails I was receiving from Bank of America were advertisement for money management services. 
I ask to speak with a member of management to which I was connected to XXXX. I explained my situation to her as well and she in turn told me the same thing and refused to assist me. I explained that I wanted to make a deposit to clear up the account today but refused to pay an extra {$35.00} to Bank of America for information that was not communicated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are having a huge credit score problem.

Two months ago, I hired a new nanny for my children. We added a credit card for her under our American Express account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by American Express.

Two months later, my nanny 's credit score was completely ruined : It went from XXXX  to XXXX  in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name.

I called American Express to explain the issue. She is an extremely responsible person who had a XXXX  credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )?

American Express again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report.

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do.

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time.

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
Product: Credit card

What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed.
Product: Credit card

I used my Capital One credit card to purchase the delivery of XXXX XXXX. The XXXX XXXX never arrived. When I reached out to the retailer, they refused to give a refund. Because of this I reached out to Capital One to utilize a chargeback. Despite providing all necessary and requested information, Capital One has refused to process the chargeback and has not given a detailed explanation of their decision.