23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Company responded USAA Federal Savings Bank said : Explanation of closure XXXX XXXX, we regret the frustration and inconvenience you experienced as a result of this matter. Our research found that when the payment was received, we were unable to identify where the payment was to be applied as it did not reference an account or member number. As XXXX XXXX, of our staff, informed you, the {$350.00} payment was posted to your credit card account. XXXX XXXX submitted a request to the consumer reporting agencies to have the XXXX through XXXX 2016 late payment reporting removed from your credit report. In addition, credits totaling {$56.00} posted to your credit card on XXXX XXXX, 2016, for the interest and late payment fees that were incurred. XXXX XXXX remains available should you have any additional questions. We appreciate you allowing us to review your concerns and respond to you. 
Relief On XXXX XXXX, 2016, credits totaling {$56.00} were posted to your account for the late fees and interest charges incurred on your account. 
{$56.00} UNRESOLVED COMPLAINT : With numerous attempts to contact XXXX XXXX at XXXX, to resolve this issue for updates on when this item will be removed ; I have remained unsuccessful due to miscommunication of not returning my phone calls. Per discussion, XXXX XXXX informed me that my final payment would be {$14.00} which was paid on XXXX. Also, during the discussion I was informed my credit report would reflect a change in which I also have not seen. Instead, my score continues to drop do to USAA failing to update payment status to my account. At the beginning of this process my credit score reflected a XXXX, due to the defects of USAA I now reflect a XXXX. Please assist on removing such indecency from my report eliminating further harm to my important credit history. I am looking to purchase a home and this deficiency has ruined my reputation to the upmost worst reflection of my character and history of responsibility. 
BOTTOMLINE : I am still receiving negative activity to my report corresponding to failure upon USAA updating the status of my account. Please represent a paid in full amount and/or remove from credit report completely. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In XXXX, I activated the Citi Dividend MastercardQ4 2021 5 % bonus restaurant category. Citi did not add the bonus amounts to my account for the restaurant purchases that I had. I called customer service but the rep told me that it wasn't activated.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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/year>
Product: Credit reporting or other personal consumer reports

I am requesting to dispute an account on my credit report that has not been removed despite multiple requests. The account in question is listed as SANTANDER account # XXXX, and it is negatively impacting my credit score. I have made several attempts to rectify this matter by contacting both the credit bureaus and the creditor responsible for reporting this information. Despite my efforts, the account remains on my credit report, which is unfair and inaccurate. 
I would like to emphasize that this account is erroneous and does not belong on my credit report. I have provided evidence to support my claim and have followed all necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing the validity of this account.
Product: Credit card

I gave my daughter my credit card to purchase school supplies for my grandkids. She took my credit card and went to a bunch of different other stores without my permission or consent, signed my name and charged up over {$400.00}. I called the company and I told him I didnt authorize any of these charges, they said they would take care of it. In the meantime I was making a payment so my credit would not get hurt. They sent me a check for the amount that I gave them and said I did not have to worry about the charges because I didnt authorize them the following month I received the bill for {$27.00}. I called them to ask them what this was she explained to me that one of the consumers Wanted {$27.00} I think to settle the claim I said no Im refusing to pay that because I did not receive any merchandise. I did not sign for anything and I did not give consent to anything. She told me she would handle it I received a bill this month with that {$27.00} and also late fees, I tried to call them and ask them what was going on and they refused to take the amount off my credit card and said when they sent me a check for the amount that I paid on the credit card they sent me an extra {$27.00} I never received a letter in the mail stating that What he said I didnt receive a phone call or any emails I wasnt aware of any of this and then they hit me with a late fee and now theyre insisting I pay it or theyre gon na ruin my credit so I need to know what I can do about this because this is against the law And its hurting my credit right now because theyre putting in that I was late on a payment
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid for An XXXX XXXX airline round trip for {$190.00} including trip flex for flexibility to cancel and/or transfer partial credit if I did not travel on XX/XX/XXXX. I could not travel. I called XXXX to notify but their lines continue to be busy by telephone ( multiple numbers ), chat ( not working ) and now by email. I was never able to notify them of not traveling as it is impossible to notify anyone at XXXX. I spoke to American Express XXXX Dispute services with customer service. They told me to work with the merchant. I told them I would but I am unable to even contact them. They tell me that they would not be able to do anything at this time. I told them that this was deceptive that no one can contact the airline. 

They told me that it is not fraud. I am unsure if they have made a legal conclusion. In any case, what is the point of having Trip Flex and pay for change airline protection when you can not even notify the airline of the intention to change the flight. 

I questioned American Express on why they keep the service with the airline and they would take it up with management. I wonder why I have no rights as a consumer with my credit card. 

I will eat the cost but it sound like a fraud. They sell the ticket. They then sell the tripf lex but you can not contact them for the trip flex product protection. Why even both with any trip flex. The cost of the ticket is {$130.00} but the trip flex is {$60.00} and the product for protection is not with any protection. The American Express customer services is the problem and I told them that as a consumer with the credit card division for 34 years since XXXX that I can not do anything as I spend several tens of XXXX a month on the credit card and it is not " fair ''. 

This may be a very small issue and it is to anyone who is poor or gets scammed but XXXX can not sell travel protection when the product and not able to be claimed and or utilized and American Express as a business should protect consumers from at least unfair business practice. 

I ask them if there was any consumer protection but apparently I was told that there is none and they are just intermediaries now. Perhaps it was different decades ago??
Product: Debt collection

I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express  XXXX XXXX card did a hard inquiry without my consent they need to send proof with that application with my correct social security number because I never authorized them to pull my credit report ever remove this from my credit report immediately this is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  this is fraud I never applied for that card or authorized them to pull it and they dont have my correct social for them to pull my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021, thats 50 days ago, it contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. About a month later, on XX/XX/2021, I send another letter following up on the investigation. I submit a complaint with the CFPB on XX/XX/2021 and you close it say cant find any record on XX/XX/2021, a unacceptable 41 days later. This is a illegal stall measure so on XX/XX/2021 I sent another copy of every as well as a w2 with my full social on it. For a company that had my information involved in a breach I find it odd that you stall and choose to say you could find me with the large amount of identifying information I originally sent. What the XXXX is going on So On Im here doing another XXXX complaint so that the CFPB can monitor this neglect. Attached is everything I sent so far.
Product: Money transfer, virtual currency, or money service

There is a lot of talk about cryptocurrency these days. A friend has suggested that I start buying. After looking at different options listed by XXXX I decided to start learning crypto  using coinbase.com. I created an account and bought some cryptocurrency coins. I used the coinbase app for XXXX and the app requires a 4 digit pin. I used the app for about a month only having to use the 4-digit pin and I was not practicing the password. After about a month the app required that I type in my password again. I typed what I thought was my password and the app gave me an error " We are having connectivity issues, please sign on using a computer ''. I switched to my laptop and could still not log in. So I used the " forgot password '' link so that I could reset my password. No reset email showed up in my inbox. I repeated this process 10-15 times and never got a reset email. Next I contacted Coinbase help ( help@coinbase.com ) to figure out why the password reset was not working. Going back and forth over several emails with coinbase help, they continued to give me instructions like " clear your cache '' " update your browser '' " try a different browser ''. I tried all of the solutions and could still not get the password reset button to send me a password reset email. Finally, Coinbase informed me that the only way to get access to the money I have already transferred to the company was to " create a new account, verify that account by uploading my ID, clicking a link in an email ( not a good idea due to phishing scams but I had to comply ), I had to provide the last 4 of my SSN. My new account is now verified and according to Coinbase that is not good enough. They still will not give me access to my money. Now they say I have to log into their website and do a " face scan '' so that they can map my face before they will give me access to MY MONEY. This is absurd. Its hoops after hoops and all they do is keep my money. Coinbase is causing me great harm by worrying about my money for almost 2 weeks now. I have accounts at 4 different banks. If I need to change my password on any of their websites, I can do so in minutes. There is no reason XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX can allow me to change my password, but Coinbase will not. I believe Coinbase has stolen my money and they will not allow me into my own account. This is not right. All I want at this point is to end my financial relationship with Coinbase and have them return to me all the funds they have " stolen ''. If you take someone's money and refuse to give it back that's called " theft ''. Coinbase needs to be fined or sanctioned in some way. If they are doing it to me, they must be doing it to others as well. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts with Equifax multiple times, and this has not been resolved. The Account Status is incorrect as this is not a charge off accounts are NOT they were paid before being reported as a negative account. These accounts were paid in full and current prior to incorrect reporting as negative accounts. These accounts ARE TO REFLECT PAYS AS AGREED & PAID AND CLOSED XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXXXXXX XXXX XXXX  ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX  XXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made an error and transferred {$360.00} from my PayPal account to XXXX XXXX. I immediately noticed the error and contacted XXXX and they agreed to issue a refund. After a few days I didnt see the refund and again contacted XXXX who advised they sent the refund and to contact PayPal . I contacted PayPal many times before getting a response where I explained the issue. I believe they wrote down notes and advised they would look into it. Days later still no response from PayPal. I again contacted XXXX and they advised the refund had been issued and to speak to PayPal. Again many attempts to get a person to help me was unsuccessful. I called and messaged without response or I got the BOT response someone would get back to me. I repeatedly asked for a supervisor to no avail. I am extremely frustrated at this point as {$360.00} is alot of money for me as Im on XXXX income. On XX/XX/XXXX I received a refund for {$1.00} which was deposited into my PayPal. I quickly contacted XXXX who advised they had sent me the entire amount of {$360.00}. They advised contact PayPal. Again many calls and messages were sent with PayPal saying that I accepted the {$1.00} refund and they cant do anything else. I didnt accept this it automatically was deposited. Many attempts to get PayPal to understand this problem and I was finally advised my original dispute was amended and I should see the refund. I even received a case closed notice saying the dispute was closed in my favour for {$360.00}. I still have to received my refund and again PayPal is saying that nothing can be done. I went back to apple and they advised if PayPal would do a charge back they would reissue the refund. PayPal has refused to help me any further and said contact my bank. At this point the bank said they cant help as too much time has passed. PayPal is refusing to help me XXXX has said they will refund if PayPal does a chargeback. Im so upset and frustrated that PayPal can just ignore my problem I dont know where to turn. I have attatched correspondence a lot of which was done by the messages system PayPal uses. Please can you help me?
Product: Credit reporting or other personal consumer reports

Capital One Bank USA, acct number ending in XXXX is reporting on my credit report and should not be because this account was settled. It is fraudulently activity that was proven. A letter was mailed to Capital One Bank on XX/XX/XXXX. As per the FCRA, I am requesting a thorough investigation into the above-stated inaccuracies and expect the following actions be taken : The inaccurate information be removed. 
You ensure that any erroneous data is not passed on to any other party or reported in future credit reports. 
Provide a written confirmation of the investigation results, along with a corrected credit report once your investigation is complete. I am also asserting that their negligence in correcting this issue have causied harm to my creditworthiness and personal financial well-being.
Product: Debt collection

on XX/XX/2021, i sent RENT RECOVERY SOLUTIONS, LLC my first letter asking for the validity of the debt about a alleged balance of XXXX $ that i dont owe. they never responded so i sent another letter on XX/XX/2021 asking for more information that they never provided to me the first time.this tradeline is inaccurate and needs to be deleted from my credit report. I sent both letters off USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from XXXX asking if it was really me who sent the letter.
Product: Credit card or prepaid card

I received a fraud alert from Synchrony Bank for my TJXRewards MasterCard, showing that someone used my card on Amazon. I contacted the fraud line to cancel my card. I asked if there was a data breach bc I never use this card ( I opened the account several years ago to get the % discount off a large purchase at the time ). There is no other way for someone to have accessed this cards info except for two places : 1-the TJMaxx store database or 2-the Synchrony Bank database. There has been no notification of a breach as of XX/XX/2020, the date I am writing this and the same date I received the fraud alert via text message. If there is a larger breach, the company needs to release that information to the card holders and its phone operators as to be fully transparent. This has happened before with TJX, so its quite possible they have been attacked again.
Product: Credit card or prepaid card

I have talked with the credit card company several times. The credit card company is Comenity Capital Bank and they represent XXXX XXXX XXXX  retail establishment. They are charging deferred interest on the account when it has been paid in full due to them not considering that part of an order was returned and they are not accurately reflecting that in determining if the account is current and paid. We also had the account on AutoPay to make sure that all payments would be on-time. As such they are now applying deferred interest at the rate of 29.99 % and continuing to charge that when the account has been paid in full. 

I have tried through their dispute resolution process and they basically say " XXXX you ... we can legally charge you that and we don't care ''. I have notified XXXX XXXX  XXXX that I will no longer shop at their stores and have also notified each credit reporting agency about what they are doing and disputing the balance due. I have also notified our attorneys and are prepared to go to court if necessary and am willing to spend what is necessary to challenge this abusive, unethical, greedy behavior by a bank who borrows money at 2 % and is trying to steal my money charging 29.9 % interest when I have a credit score over XXXX!.