23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I got a new phone in early XXXX and since then, I have been unable to add my Barclay card XXXX to XXXXXXXX XXXX even though XXXX XXXX is at least theoretically supported by Barclay card as I had it on my previous phone. Since I got the aforementioned new phone I keep getting an error message saying that my card is not supported for a digital wallet whenever I go to add it. I requested a new card thinking that may rectify the issue and it did not. I called customer service and they supposedly opened a formal complaint regarding this and claimed that they would try and fix the problem within 30 days which have now well elapsed and I have heard nothing nor has the issue been rectified. I was given a statement credit of XXXX $ as compensation but would like the issue to be fixed and for my time to be adequately compensated.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The accounts in question, [ XXXX XXXX XXXX ], [ Account # : XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

[ XXXX  XXXX ], [ Account # : XXXX ], Falsely reported late Payment Date : XX/XX/XXXX [ XXXX  XXXX ], [ Account # : XXXX ], Falsely reported late Payment Date : XX/XX/XXXX [ XXXX  XXXX ], [ Account # : XXXX ], Falsely reported late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is XXXX  % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.
Product: Checking or savings account

i had a us bank account for 3 years. i had it attached to my mortgage and was in good standing. i had someone do a XXXX  money transfer to my checking. then someone hacked my account and removed that same amount. after the transaction. i was called that money was reported as stolen. US bank closed my account and blamed me for it and will not let me have another account.
Product: Credit card

I have had a major health issue over the course of this past year, and also a car accident. My card was due to expire. Instead of providing me with a new valid credit card Citi Bank closed my account citing I had " too much revolving credit ''. I had to purchase a new car due to a car accident. I have had a tough year between health issues and a car accident for a credit card company to turn around and close my account. I have been advised by citibank supervisor by the name if XXXX that they can close my account at any time. This is absolutely discrimination against any one going through health issues. I paid my bill, I was a long time XXXX and XXXX Citibank customer. I have been trying to get my account resolved as I will not " reapply '' with a company who closed an account on me. I was advised my account would get a " second look '' and I would be able to use my card until the end of the month XX/XX/year>. I for XXXX was not allowed to use my card as it declined as " expired '' at the register on XX/XX/year>. And second my card was never " reassessed '' a second time prior to the expiration date as I was advised. I explained at this time that if Citibank keeps my account closed I will NOT be a customer of Citibank EVER again. No one ever called me back no one ever addressed my complaint. I find it absured that a credit card company can close an account at any time and feel this is discrimination against someone going through health issues!
Product: Credit reporting or other personal consumer reports

These accounts are reported with incorrect information in my report even though they are not mine. 
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
Product: Debt collection

Continuous calling my number and threating my family and I with legal action.
Product: Student loan

Mohela has been completely unresponsive. I was initially confused about the TEPSLF form and process for certifying past employment that was deemed to qualify for PSLF. I filled out a form awhile back thinking I needed to just to certify my current employment and submitted it when my loan was still with XXXX. Then I realized I could get PSLF credit for a past position and resubmitted the form certifying that employment to Mohela on XX/XX/2022. I heard nothing from them, my payment counts have not been updated ( not even to reflect my current pay count outside of the TEPSLF, and when I look online it says the form submitted is a " duplicate form. '' I was concerned that they would not review the form since it was a duplicate and wanted to talk with someone about it. I contacted them several times and most of the time the phone would disconnect after I sat on hold for 30+ minutes. I finally talked to someone who said they would take a look at the form soon but they would review it even though it says duplicate form. It has now been six months since I submitted that form and nothing has come of it. This is extremely frustrating because if they approve my past employment my loans will be forgiven in just a few months and it's important for my financial planning to know if this is going to happen or not. I realize they have probably just halted everything pending the Supreme Court case but the issue I am wanting addressed is outside of the Biden loan forgiveness plan. 

Now when I go to the Mohela site to check the status of my TEPSLF it says " a duplicate application was processed as cancelled. '' This is so frustrating because as I mentioned in my initial case description, when i finally was able to talk to someone in the fall they indicated that my form would be reviewed even though their system was classifying it as a duplicate form. I also believe that if my past qualifying employment is counted that my loans should have already been discharged, making this matter a little more pressing than I had initially considered. I just wanted to provide this additional information in case it is helpful. I tried calling Mohela again several times but I truly think their phone system is now set up to make it impossible to reach a live person. Thank you so much! 

I submitted a complaint with the Department of Education in XXXX and it says it is still open but I have not heard anything from them.
Product: Checking or savings account

In XX/XX/2022 I went inside the chase bank to withdraw {$1000.00} from the ATM it was the first ATM in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States, so I put the number of dollars I want to withdraw {$1000.00} the ATM was working good but, did not gave me the money {$1000.00} and no receipt so I was already inside the bank and I went to the personal of chase bank and I tell them what happened and they said you need to do a claim so they take me to one of the office and they call to do the claim and I did the claim, they said in one week they were going to give me the money but they still in investigation I tell them check the cameras, so later they credit the {$1000.00} but now they take the money from my account again the {$1000.00} in XX/XX/2022 they said they need more details i I already tell them all the details and I want my money back please is my money and they taking so long please help me.
Product: Credit card or prepaid card

1- I tried to dispute a charge with Discover Card today XX/XX/2021. 
After I went through all its question pages, provided all the information it asked, wrote and explained things, composed sentences within the limited number of characters allowed, uploaded images, all that, reaching the submit page. There I read this message : you can not submit this online, call 1-800 .... I have experienced the same thing a few years back. It is not clear why Discover uses this deception to waste customers ' time? Why, for example, I am asked me to upload files if the case requires me to call? When I called Discover, waited on the phone and talked to someone, I learned that none of the information I provided online was stored. A complete deliberate waste of customers ' time. **** 2- I tried to find an email address and contact discover by email. There is none and the company does not provide an email. **** 3- I tried to send Discover a message from my Discover account. There is an inbox but no outbox!! I tried to compose a message but only messages related to some obscure subjects ( such as naturalization / change of name ) is possible. No possibility of contacting Discover for any real issues. **** 4- Discover has a chat line that pops up. I tried it. It is an AI garbage. Discover does not want to hire American workers to serve its customers and relies on largely useless AI gimmicks. **** All in all, terrible service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX XXXX on my credit report as well as fraudulent inquiries for a balance of {$6600.00} opened XX/XX/XXXX. My purse was stolen last year XXXX with all of my personal information in it such as my ID, XXXX, and I had some mail and other personal belongings in my purse that was stolen. Im a victim of identity theft and ask that you delete these Inquiries and account from my credit report immediately. 

Fraud Inquiries ( Company : ) XXXX XXXX XXXX ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX Accept ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX Dealer Services ( Date : ) XX/XX/XXXX ( Company : ) XXXX XXXX ( Date : ) XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to add my external bank account to Bank of America to transfer money, but I can not add the new account. I always receive emails that a payee was added. However, I can not see that in my account. I contacted customer service and spoke with about more than an hour but could not resolve the issue. I still have the same problem and can not find a way to add my account. The Bank of America never contacted me or showed a willingness to resolve the issue. This is not the first time. This bank is so big that it does not care about customer service, only cares about money.
Product: Checking or savings account

My account with Fifth Third bank was closed without any reason, the bank has not been sent the money I had on my account in a chashier check.
Product: Student loan

I have already filed for chapter XXXX back in XX/XX/XXXX or XX/XX/XXXX. I have attempted on a multitude of levels to pay Navient appropriately, but they have violated my financial well-being. They have reported horribly on my credit report, even after receiving payments from my cosigners and/or myself. I have explained my financial hardship, yet they have done everything possible to destroy my livelihood. I no longer speak to my family members, who are cosigners because of Navient 's abusive tactics. They have stated they would report good standing on my credit report after receiving payments from me but, failed to honor. They have harassed my family and I with threatening phone calls, even to the point of threatening my life.
Product: Credit card

My Citibank Credit Card Account Balance is made up of a two types of balances ; one subject to APR and another % Balance Transfer.

Historically, I pay the card off in full and on time each month in order to avoid late fees and interest. 

Since making the balance transfer in mid XX/XX/2025, I have continued to pay IN EXCESS of the purchase balance made on the card each month to continue my tradition of paying the card off in full AND pay down a portion of the 0 % Balance Transfer prior to its expiration date. Regardless, interest continues to accrue on the account. 

I have called the company and spoke with 3 different representatives and although I confirm specific dollar figures on multiple statements with them, they continue to insist that I owe interest on a rolling purchase balance. 

I have closed the credit card.
Product: Credit reporting or other personal consumer reports

Credit Card open with Ally Bank on XX/XX/XXXX for {$20000.00}. Spoke with Ally Bank Fraud Security XX/XX/XXXX. Waiting on letter from bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several credit inquiries listed on my credit report that were not authorized by me. The following inquiries do not reflect my activity, and I believe they are the result of identity theft 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good day Iam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com has been sending me emails that have in the subject the total of my debt. These emails also show up as notifications on my phone and because they are in the subject line, anyone can see them if my phone is present. This is an egregious privacy problem, especially because it's in the subject line and can be seen when I open an email account without opening the email. I never have received emails from any business that had exact figure personal financial information in the subject line.This started shortly after asking for credit report XXXX and I receive these and similar emails with credit limit info in the subject line. I have contacted them XXXX about the problem and received a message of a reply in 2 days. I never received a reply.
Product: Credit reporting or other personal consumer reports

I HAVE CLOSED ACCOUNTS ON MY REPORT THAT I CAN NOT VERIFY AND NOBODY ELSE CAN EITHER. 

I'm here asking the CFPB to make these agencies perform properly, and to show me what they have. 
I need my original application with my wet signature and the beginning of the account ledger to show the debt My principal allegedly owes. 

If not please have this deleted immediately. and have all agencies reflect this change and to mail me a copy. 

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

OneMain Bank, XXXX, XXXX inquired about my credit on XX/XX/29. I am not in contact with or affiliated with OneMain. When trying to contact the company I was directed to an automatic recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or XXXX  TransUnion an XXXX. I will be sending an identity theft document to the 3major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}
Product: Credit reporting or other personal consumer reports

Midland Credit Management {$550.00} is unlawfully reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. has failed to provide a copy of any wet signed applications t, which raises concerns about the legitimacy of their actions. I also have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2021 a {$1.00} Authorization posted against my PayPal account balance, supposedly by XXXX. Today is XXXX XXXX and I still can't get this removed. Almost every day since this appeared I have sent hours and hours on hold waiting to talk to agents and managers or waiting online for their Message Center agents to respond. They all seem to be centered outside of the US and English is clearly NOT their primary language. I repeat the same story over and over to each and they just don't get it. There Message Center response time averages 9 hours each time I post a response yo their response ( no of this is real time ) and their phone queue wait time is averaging 2 hours! So this is consuming my life.They tell me I must get the merchant to remove the charge, but XXXX has assured me the charge is not from them and have given me screenshots that confirm that. However, PayPal won't take my word for it, won't accept the screenshots as proof, or contact XXXX to confirm. They are not willing to admit its a platform error on their part or allow me to submit an online dispute to treat the charge as fraudulent. HELP! I need this charge cleared so I can close my PayPal account. 
They had previously advised I must delete my current account and create a new one due to Technical irregularities on their platform that prevent me from making transfers out of my PayPal account to my linked external account with XXXX XXXX XXXX XXXX ( another case of fraudulent activity as they hold my money as long as possible to gain interest ) .Their Escalations department stated that they had no intention of attempting a 'fix ' of my issue as they are calling the bug a security " feature '' for my protection sonehow?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act : XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXXXXXX XXXX XXXX XXXX ,  and XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C.1681b ( a ) ( 2 ) which state any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer whom it relates and I never gave written consent to have this information reported.
Product: Debt collection

Company Midland Credit Management , Inc is suing me in the amount of {$2400.00}. The debt created was little over {$1000.00}. I appeared in court last month, explained to the judge that this debt was a little over a {$1000.00} and wanted to know how they ( Midland Credit Management ) came up with {$2400.00}, unable to explain cause for that amount, the judge ordered a mediation conference to resolute the matter. Also Ive done some research on Midland Credit Management from the information I pulled up and you can correct me in Im wrong but I dont think they are qualified to contest matters in the state of Florida as it pertains to debt collection. Also correct me if Im wrong again but I do believe my debt has exceeded the guidelines for collection. This debt isnt showing up on my credit report so whats really happening here
Product: Checking or savings account

Date XX/XX/year> XXXX XXXX  XXXX  XXXX I tried to withdrawal {$400.00} and only received {$80.00}. When I called XXXX  XXXX  support they instructed me to dispute the transaction. After doing so XXXX times, they were all denied because the ATM records state no errors occurred during my transaction. Clearly the investigation was not taken seriously because my first dispute was denied before the ATM was serviced. The last dispute I was assured they would escalate to investigate further but ended up right back at the start with little to no progress. Each dispute claims the full amount of funds was dispursed and no further action will be taken. The ATM clearly was not serviced and balanced correctly, and I couldn't get a hold of the " third party '' who is responsible for maintaining the ATM, but I suspect they might of just taken the money that should of dispursed on my transaction?