23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for and received a Target Red credit card in XX/XX/2019. I immediately signed up for payment due email alerts on my account through Target, and faithfully paid my balance in full for the next few months. I relied on the payment due email alert system. For some reason, I did not receive an alert in XX/XX/2019, and I thought nothing of it, assuming I didn't have a balance. Only in late XXXX when I logged into my account did I see that I had 2 late payment charges and interest that had accrued. I immediately called Target, paid my balance in full, and had those charges reversed. Unfortunately, Target has been no help correcting these late payment reports to the credit bureaus, even though it has been acknowledged that I did not receive the payment due alerts. I spoke with XXXX on XX/XX/2019 and he confirmed with XXXX in the Target Collections department that the payment due alerts were not sent to me. 

Before this incident, I had a credit score in the high 700s with ZERO missed or late payments, but overnight my score went down almost 100 points. 

I received a response from Target in the mail today, XX/XX/XXXX, that they investigated and found no issues. I also just got off the phone with a Target supervisor and she said she will submit my complaint again, but she wasn't optimistic that anything would change. 

Even if I am at fault for not keeping a closer eye on this Target card, I am supremely disappointed that it has been acknowledged that there was an issue with the payment due alert system and Target has refused to correct these late payment reports, even as a courtesy.
Product: Mortgage

I called company and sent them funds to pay off loan. I paid them the correct Amount and before the required date. They applied to funds incorrectly and I have called multiple times and continue to get the runaround and passed on from person to person. They tell me that I lose them {$400.00} because the funds were incorrectly applied ( on their end ) and someone will call me back and nobody ever does. They need to close my account and give me the title to my home. I have evidence that the amount of payoff was paid in full by the required date. I need help.
Product: Checking or savings account

On XX/XX/2023, I received a debit card and new account welcome letter for an account with Chime. This account was not created by me, but was opened in my name. 

I immediately contacted them via email to report this issue and request closure of the account. As I don't have access to the fake email address used by whoever opened the account, I'm not able to log into their mobile app for support, and their support phone number doesn't allow access to a human for support. 

I received an email response asking for the number of the card I received and my name, both of which I provided immediately. 

This was more than a month ago. Since then, I've heard nothing, and every time I try emailing for information, I get an automated email telling me I must email from the address associated with my account, which I don't have access to, because it was created by whoever opened an account in my name.
Product: Money transfer, virtual currency, or money service

I have been a MoneyGram customer for several years. I use MoneyGram to send money to my Parents, Brothers, Sister, Neices and Nephews in XXXX XXXX and the XXXX. My family in is very poor and I do everything I can do support them in times of need, because I am able to do so. I usually send money once per month but sometimes if they need money urgently I send them multiple times per month. In the month of XXXX XXXX I sent money on multiple occasions because I shipped boxes of items ( food, clothing, shoes, etc ) to my family in XXXX XXXX and I had to send money to my Nephew to pay the customs duties to collect them. This transfer was outside the monthly schedule where I send money at or close to the end of each month to help my parents pay for basic necessities like electricity, medicine and food. The monthly transfer I send is usually sent to my younger brother and he collects it and distributes it according to agreed to parameters between my mother and father, who do not live together. Along with sending money on a monthly basis to support my parents, I am also helping one of my Nephews pay the application fees, visa fees, medical testing fees and other fees he needs to pay during the application process to optain a job working for XXXX XXXX XXXX. My Nephew has been in the process of applying for a job with XXXX XXXX for the last few years but the process has been delayed because of Covid-19. Thanfully he is has been approved to work on a XXXX XXXX ship and should be joining the ship in early XXXX  I have been sending money along the way to my Nephew, as well as my younger brother. 
On XX/XX/XXXX I sent a tranfter to my brother which he was able to collect, then on XX/XX/XXXX I sent a tranfer to my Nephew, which he was able to collect, then on XX/XX/XXXX I sent a transfter to my brother wich he was NOT able to collect. On XXXX brother informed me that he was not able to collect the money because he was told by the local agent that the transfter had been blocked. I called MoneyGram to find out why the tranfter has been blocked and I was told that my account is under review and I will likely not be able to use the platform going forward. I asked why but I was not given a reason, only told that my account is under review. I suspected that the reason the transfer was blocked was because of the multiple transfers I sent in the same month. I tried explaining why I sent multiple transfters and that my family is very poor so I need to send them the money, but that I was told there is nothing they can do. A few days later, I tried to login to my MoneyGram account but by account has been locked by MoneyGram. I made multiple attempts to get MoneyGram to unblock my account but I as not successful. 

Since my account has been blocked by MoneyGram, I have switched to sending money to my family via Western Union but Western Union is much more expensive than MoneyGram so I am losing money every month using Western Union. Instead of sending more money each month to my poor familyd to help with their basic needs, I have to pay higher fees each month.
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. 
XXXXXXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX 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, has violated my rights. 


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: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these issues unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Debt collection

I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from Platinum Holdings aka Premium Asset Services aka PAS LLC- from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old XXXX XXXX credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.
Product: Credit card

To whom it may concern, I am writing to file a complaint against Capital One regarding their Best Price Guarantee policy and its implementation. I believe their practices are misleading and unfair to consumers. 
On XX/XX/XXXX, I booked a hotel room through Capital One XXXX for a stay at XXXX XXXX XXXX XXXX in XXXX, XXXX. The details of my booking are as follows : Confirmation Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check-in : Sunday, XX/XX/XXXX Check-out : Tuesday, XX/XX/XXXX Total paid : USD {$1100.00} ( non-refundable ) After booking, I discovered that the same room with identical conditions ( non-refundable, same number of persons ) was available on the hotel 's official website ( XXXX XXXX XXXX  ) for {$730.00} for the two nights. This represents a significant price difference of {$450.00}. 

Capital One XXXX advertises a Best Price Guarantee ( XXXX XXXX XXXX ), which states they will match a lower price if certain conditions are met. However, when I attempted to claim this guarantee, I was denied based on a technicality that I believe is unfair and misleading to consumers.

The issue lies in the following qualification criteria for their price match guarantee : " Available at the time the customer contacts us. Our agent must be able to verify that the lower price exists. '' After I booked the room, it was no longer available to check on internet as it was the last room. As a result, they refused to honor the price match, claiming they couldn't verify the price. This creates a catch-22 situation : consumers can't know if they're booking the last available room, and once booked, the room disappears from the internet, making it impossible to claim the price match guarantee.

I had taken a screenshot of the lower price on the hotel 's website before booking, but Capital One refused to accept this as evidence. This practice seems designed to make it virtually impossible for consumers to successfully claim the price match guarantee, rendering the promise essentially meaningless.

I believe this practice is deceptive and unfair for the following reasons : It creates a situation where the consumer can not reasonably comply with the terms of the guarantee.

It incentivizes Capital One to offer higher prices, knowing that consumers will be unable to claim the guarantee after booking.

It misleads consumers into believing they have price protection when, in practice, it's nearly impossible to claim.

I appreciate your attention to this matter and look forward to a fair resolution. If you need any additional information, please don't hesitate to contact me. 

Sincerely, XXXX
Product: Debt collection

I sent the offices of Suttell & Hammer a debt verification letter in XXXX of XXXX. In my letter I requested documents that would provide proof of said debt. These documents included the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

On XX/XX/XXXX, Suttell & Hammer replied to my letter by sending only one of the documents ; Billing Statements. 

In my letter I stated the following ; Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents Since I did not receive the adequate documents I needed to verify this debt, I did not respond. It was stated in my letter that I would not process their claim if the documents were not supplied. 

On XX/XX/XXXX my roommate notified me that a man attempting to serve me a lawsuit had come to our home in XXXX XXXX. I was not at home to accept the lawsuit. I assumed, rightfully, that Suttell & Hammer were the ones behind the suit. I contacted their office on Tuesday, XX/XX/XXXX and was told by an account manager that " What they sent was what I was getting '' when asked why they did not provide the documents that i requested, he responded " You can use all the legal jargon you want, but what you got from us is what you are getting. '' He then transferred me to a voicemail. I emailed the attorney who had sent me the reply letter on XX/XX/XXXX, XXXX XXXX XXXX. I informed her that the verification was not complete and asked why the documents were not sent. I then called back and spoke to another associate who then informed me " Because of your email, the service of the suit has been cancelled '' My complaint is unfair debt collection practices as well as using intimidation tactics to influence the actions of an alleged debtor. Filing a lawsuit with full knowledge that the debt verification process was pending and incomplete as well as refusing to provide documents that would verify the debt, is, in my opinion harmful to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX  XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act CAPITAL ONE AUTO FINAN account # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a 120 day loan and when I gave the information to process they have never did it and the next day when I called they refused to assist me and said the full balancer was owed and I was warned that they indulge in deceptive practices and they are doing things illegal.
Product: Debt collection

On XX/XX/2020, I sent a certified letter with return receipt verification to Nationwide Recovery Systems, XXXX, TX, requesting verification of this debt, including original debtor and account information. According to USPS tracking, the letter was delivered on XX/XX/2020. I received back the confirmation receipt unsigned but postmarked XX/XX/2020. According to my XXXX  and XXXX  credit reports, this collection for {$1700.00} was opened in XX/XX/2020, originally from XXXX XXXX XXXX of XXXX. I have not received any communication, written or otherwise, from Nationwide Recovery Systems, ever, including in response to my request on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My credit report contains many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have documented all of the dispute letters I have sent your company since XX/XX/year>, and can prove your negligence and statutory damages in court. These accounts listed on my letter are not 100 % correct and I demand them to be removed from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX and Transunion. proof provided below, Due to XXXX and Transunion not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires First premier bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX and transunion. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by experian proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this Creditors Bureau Associates, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.
Product: Credit card

I currently have {$100.00} available for redemption towards my statement balance ( see attached screenshot ). When attempting to apply it via the website, I received an error. Live chat instructed me to call the company. I called the company and was told that there was a block on the redemption, and that it needed to be reviewed. I was on the phone for over one hour trying to get more information on why they would not allow me to redeem the amount, and I was transferred to many different representatives. I was forced to go through a lenghty verification process at least two times. Upon being transferred to another representative, I was asked again to go through the lengthly verification process. I finally had to hang up because I did not have time to go through the whole process again. Even though I was on one long call over one hour in length, it was as if the representatives had no way to communicate with each other that I already gave the information over and over and over again. The entire Citi experience has been extremely frustrating. Other companies seem much more proficient.
Product: Debt collection

I spoke to the company told them that the debt wasn't mine. But it been 6 months and it still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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
Product: Credit card

Chae bank called me about a fraudulent case application. They gave me a case number XXXX, tranferred me CFPB. During the call, long silent when agent said is looking at the report, then cut off. No call back was done.