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

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Bankruptcy 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 XXXXXXXX, 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

I have the capital one venture X card account number XXXX - one of the benefits is the Priority Pass to access airport lounges. I never received a Priority Pass card from the Priority Pass company, when I asked Capital One what to do about this they told me to use the Capital One app which has the card. I logged into the app and found my card and it also list which lounges it works for. It also has some restaurants that give you a credit. I visited the restaurant listed in the app in XXXX and also verified with them before sitting down that they accepted the Priority Pass. They said that they did. When it came time to pay, it turns out that the Capital One venture X priority passes different than other priority passes, and it is not accepted there. I was charged full amount instead of receiving the credit that seemed due. I tried to resolve this with Capital One, they basically told me it was my fault and would not help me. Its deceptive that the capital one priority pass is different but theres no indication of it and they did not provide me with any instructions or information to understand this and when asked to help they did nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a call from XXXX XXXX XXXX about debt elimination. I spoke to a XXXX XXXX who was the Financial Educator. I only spoke to her twice. The other times have been to XXXX XXXX with the same title. the phone number and address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, website : XXXX Phone number : XXXX. I had a Capital One, XXXX and XXXX XXXX XXXX XXXX XXXX. I owed XXXX and Capital One nothing. this started in XXXX, XXXX. I owed a lot of money to XXXX like {$10000.00}. I was told not to use these three credit cards nor speak to any lenders or make payments to these companies. Disregard all statements and letters regarding enrolled accounts unless it is from a. Collection Agency without XXXX or XXXX. Disregard any phone calls regarding debt elimination, debt relief and debt consolidation. I did just that and signed a statement. 
I made calls throughout this process. On XX/XX/XXXX I was told that I was XXXX XXXX through the process. On XX/XX/XXXX I was told it takes 4-5 months for banks to offer to settle but not to accept. I was told that I was in Phase 4. XXXX, XXXX I received a collection letter for Capital One. XXXX, XXXX I called to get an update. Phone answer is a recording to leave name and number and they will call back. XX/XX/XXXX I was told that they started working on getting inquiries off of my credit report to improve my score. XX/XX/XXXX no response. Nothing changed on credit report that I am aware of. I called XXXX to followup and got no answer just the recording. 
Until XXXX XXXX XXXX I noticed and enrollment fee and Descriptor of {$3400.00}. That is the amount charged on XXXX XXXX card. I am paying on it. 
They claimed to be a credit restoration company. I should have checked with XXXX. I was in a state of panic and still am. 
Please HELP me. Ihave XXXX XXXX XXXX  Reponse is Click here to inquire or call XXXX at XXXX or XXXX. I have. the first number XXXX XXXX comes up and says check number ane the other just disconnects. 
I don't know where to turn for help on this SCAM.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$62000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My Apple Card account with XXXX bank has been restricted since the beginning of the month and spending remains blocked. I have made numerous attempts to contact customer service via chat or call center and have been given no explanation as to why or how long it will remain restricted. I have spoken to supervisors and the answer remains the same, the explanation is to wait without any timeline and no additional options are given to discuss this matter further and resolve. Its an actively used card and I have automated transactions bouncing because of it and its a very uncomfortable situation. I would like to request help in solving this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 fraudulent XXXX XXXX XXXX accounts on my credit report with Experian since XXXX of XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Experian and mailed disputes certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the method of validation/verification of alleged debt since they said they verified the accounts. I never received any proof of validation/verification of alleged debt from Experian. Meanwhile XXXX and XXXX have since deleted the two XXXX XXXX fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I mailed Experian a copy of the FTC Report # XXXX. 
I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. 
HOW DID Experian VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT Experian says that they HAVE BUT they are NOT WILLING NOT SHOW IT TO ME? EXPERIAN SAY ITS MINE BUT I CANT SEE IT? EXPERIAN WILL NOT SHOW ME VALIDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. AS A CONSUMER I DEMAND THAT EXPERIAN DELETE THE ACCOUNTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my complaint #XXXX with XXXX, I requested the cleared debt with XXXX/XXXX  be removed as it was connected the XXXX XXXX XXXX, (which was removed). It was reported back to me that no such account exists, which is only partially correct.  The erroneous account being reported by XXXX, which was dismissed and closed by the court, is the XXXX/XXXX account.  This account is still being reported and hurting my credit score. This is a case where one finance company sold an account to another. (I believe the original account was held by XXXX   which sold it to XXXX  which in turn sold it to XXXX XXXX.)  As ALL accounts related to the debt were cleared and dismissed by the Arkansas Court, NONE of them should be continued to be reported on my credit file.  This is illegal.Although the results have not been completed with the two other reporting companies, I am afraid they will finish with the same results as XXXX.  Please refer to complaints #XXXX & #XXXX and add this problem to those.thanx.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

I experienced identity theft, resulting in unauthorized access to my email, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and Discover accounts. Fraudulent charges appeared on my XXXX, XXXX, and Discover cards. XXXX and XXXX acknowledged the fraud and credited my accounts accordingly. However, XXXX denied my fraud claim citing several reasons : I had made payments to the account ; a XXXX Pay account linked to a previous phone number of mine was used for transactions ; there was access to my Discover online account which I failed to report as fraudulent ; and the FTC did not respond to their inquiry. I explained that these were consequences of the identity theft itself, making it unjust to use these as grounds to deny my fraud claim. Moreover, I am puzzled by XXXX 's failure to detect hundreds of suspicious charges and their decision to increase my credit line XXXX  during this period, further exacerbating the situation. Despite being a loyal customer for over XXXX  years and their promises of XXXX fraud liability, Discover has not supported me in this critical time but instead sought reasons to deny assistance.
Product: Credit card or prepaid card

My girlfriend used my Macys credit card to purchase some gifts for XXXX on XXXX XXXX XX/XX/XXXX XXXX. I did not like the clothes purchased, so I returned them to a Macy 's store in XXXX XXXX, Fl on XX/XX/XXXX ( jpeg of return from Macy 's website attached ). I received a credit of XXXX}. The return should have been credited to my Macy 's credit card and my next bill would reflect the credit and be accurate. I am on my Macy 's account and clearly see the return was processed and is on their own website ( attachment below ) But the credit card was never credited. I have my XXXX statement attached showing the purchases and then my XXXX statement showing no credit and no credit on any subsequent statement from XXXX through to XXXX. I first called about this issue in XXXX and told it was resolved and the returns would be credited to the credit card. In fact, I complained and said they owed me a gift card. They actually sent me an email with a promo card saying sorry in the email and so I thought the whole thing was done. Except I keep getting Macy 's Credit Card bills in the mail saying I owe money and they are charging me interest charges and late fees. This is going on my credit report while I'm in process of buying a home. Its incredible. I called again today XX/XX/XXXX to find out the problem and dealt with Citibank who manages the Macy 's Credit Card ... the representative says they have no record of the return or the credit for the return. I was transferred to Macy 's billing and credit and the representative said they had no record of any return. I made the rep stay on the phone as I told her I was reading right off the Macy 's website showing the return was posted right on my account!!! She lied to my face. She said without a record or a receipt should could not and would not help me. Macys has registered my return, but they refuse to credit the return to my Macy 's credit card therefore my credit card is racking up charges for something that I purchased and have returned. They refuse to help me.
Product: Prepaid card

I bought 2 gift cards from XXXX XXXX, their processor is Cashstars which belong to Blackhawk. I tried to relod these cards today, {$300.00} each card. At first it went through and then Cashstar sent emails saying the transations could not be processed and that I would be refunded. I checked my bank and could see that both transaction had gone through so it wasn't an issue with my bank. 

I asked Cashstars to explain over and over again through at least 6 emails exactly what the problem was. 

We bought the gift card due to their convenience to reload online but if Cashstars has some prolbem, which they will not admit to or explain, what is the point to buy the gift cards. I asked them over and over to give me a specific reason and if this issue would continue essentially making our reloadable gift cards useless? 

They simply replied with copy and paste emails stating the same thing over and over that they could not process the payments and I would be refunded. 

If they are having issues then XXXX XXXX needs to be made aware of that as well. 

In any case we are out {$600.00} until our bank credits us back, which is typically a week. 

I want a clear and specific reason why our payments were not processed and if the problem will continue.
Product: Mortgage

Our credit was wrongly reported by Flagstar bank : We set up an autopayment with the bank since the opening of the account, but it appeared to have stopped working in XX/XX/2022. In XXXX, we received a letter from Flagstar and realized the automatic fund drawing needed to be fixed. So we called the company to schedule the missed payments and were told our account had been past due and had been reported to credit bureaus. As a result, our credit scores were hurt, and we would like Flagstar to correct this as soon as possible. 

Thanks!
Product: Debt collection

Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act.

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS.

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused.

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!
Product: Credit card or prepaid card

Hello. I have a Chase Bank Marriot XXXX Credit Card ; last 4 digits XXXX. I have had this account for 20 years. Even though my credit is above average and I pay my balance monthly, Chase Bank keeps raising my credit limit after I tell them not to. Most recently, today ; XX/XX/XXXX. I only want a {$5000.00} limit, but thenyalways raise it to {$10000.00} without my permission. I have asked them to stop several times, but they continue to ignore my requests. With all the cyber stealing happening, I do not want to be a victim, or at least limit it. Make Chase Bank stop this practice!
Product: Credit card or prepaid card

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. XXXX XXXX XXXX XXXX for {$26000.00}. XXXX XXXX XXXX XXXX for {$26000.00} 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 Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize credit pulled.
Product: Debt collection

I've been disputing this debt for years. The debt was nowhere near the amount reported. I desputed this amount with XXXX and they couldn't explain why the amount was inflated. The debt keeps getting bought by different agencies and none will actually look into amount owed and will not offer an explanation except that the amount is correct and continue to reject my disputes. The amount is more than double the original amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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: Debt collection

I contacted Healthcare Receivables on XX/XX/2021 by certified mail requesting validation of collection acct. ( NO RESPONSE ) On XX/XX/2021 I sent a follow up request validation ( NO RESPONSE ) On XX/XX/2021 another certified letter I sent a follow up request validation ( NO RESPONSE ) On XX/XX/2021 another follow up letter was sent requesting validation ( NO RESPONSE ) Its been 73 business days since I sent my original request for validation to the collection agency Healthcare Receivables and I have yet to receive a response to validate this collection account and authority to report harsh information on my credit report.
Product: Consumer Loan

My significant other took out a loan through Springleaf financial and asked me to cosign. I was reluctant from the beginning and have since dicsovered several things about the loan that appear to be unfair, dishonest and misleading. Shortly after taking the loan out, XXXX XXXX attempted to deposit the checks she received. They were returned and springleaf explained that they had to be endorsed and sent to the creditors. At this point I contacted the springleaf branch and explained that I was not comfortable with the loan and would refuse to sign/endorse any future papers or checks. Springleaf dishonestly reprinted the checks leaving my name off ( the contract clearly states that several of the checks are to be printed with my name on them ). This was done to be dishonest and refuse me any right of to reverse the terrible decision made. I have copies of the checks to verify that my name was ommited. 
I obtained a copy of the contract and in reviewing it noticed that a life insurance was applied. XXXX and I were never had any insurance explained to us or told that voluntary insurance was being applied to the loan. We had no idea what this insurance was for and why it is on the loan. I find this very unfair and dishonest by springleaf. When I reached out to the insurance company they explained that they are owned by springleaf financial. Further explanation of the insurance explained that the coverage is used to make sure that in case of the borrower 's death financial obligation of the loan would be removed from her spouse/life partner. Being that I am the cosigner it would not remove my obligation and therefor is completely useless and we would never have agreed to such insurance had it been explained. During the loan our loan officer pointed and told us where to sign, initial and date with no explanation of any insurance. 
Springleaf 's reporting to the credit agency has had a very intense and harmful affect on my personal and private life. I have asked them on XXXX seperate occasions to stop reporting to the credit agency. These attempts are verifiable through XXXX complaints and emails. Springleaf is still reporting and refuses to stop. 
I have reached out to the branch manager, Distric Manger, corparate office, legal department and submitted a XXXX complaint and springleaf on all occasions refuses to acknowledge their wrongful practices. As a consumer I have rights and feel that springleaf financial has violated my rights by refusing my request to cease contacting any and all credit agencies regarding their loan, by going against the terms of their loan and dishonestly writing checks with my name deliberately omitted, and by forcing useless voluntary insurance on a contract without explaining it.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am reaching out to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

As a long-standing user of PayPal, maintaining a positive and trusted relationship with your platform is of utmost importance to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough review of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have always done. 

I sincerely appreciate your attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution and the opportunity to resume using PayPal 's services.