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

i opened this grain account and i havent been able to access the app AT ALL. customer service is Non-Existent and they take monthly payments out of my checking account i literally Dont have the option of making manual payments. i cant even see my current balance when you go to their app it says your bank is already connected and shows a loading screen ive waited 15 minutes, deleted and reinstalled app, erased cookies etc. the app is not allowing me to view my credit card info like my balance interest etc yet they continue to take monthly payments with interest im beginning to think this is a scam please help! ive emailed and called several times with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX XX/XX/2023 my wife attempted to book a room at the XXXX XXXX, XXXX NY using an on line booking service. The booking was made through a third party, possibly XXXX, although on line it appeared that she was communicating directly with the XXXX XXXX. 

Immediately after the booking had been made my wife received an email from Chase Fraud Alert. The email referred to a transaction with XXXX XXXX , and indicated that it had been declined. She was given the option of confirming that the transaction was legitimate, and trying the purchase again ; or of denying that it was legitimate. As the notification came from Chase Fraud Alert, and the amount shown was much greater than what had been indicated during the booking, {$1800.00}, my wife selected the No, somethings wrong option. Our Chase cards were immediately cancelled. Note that the email stated that the transaction had been declined, and that we would not be charged unless we tried the transaction again. 

Over the next few days my wife contacted the desk at the XXXX XXXX to make sure they understood that we wished to cancel the booking. She also called Chase customer service to make sure Chase understood we would not be staying at the XXXX XXXX and did not expect to be charged. The third party that handled the booking was very difficult to locate and contact but she did eventually speak to someone who claimed to represent them and advised them that we wanted to booking cancelled. 

Although my wife notified Chase, the XXXX XXXX, and the third party booking agency that we would not be staying at the XXXX XXXX and that we wanted the booking cancelled we were still charged for the room. My wife disputed the transaction with Chase via Claim ID XXXX, but Chase decided in its own favor that the transaction was valid. We disagree. 

In summary - Chase Fraud Alert notified us that the transaction might be fraudulent and we moved to cancel it immediately - Chases email said the transaction was declined and that we would not be charged - My wife notified everyone involved in no uncertain terms that we wished the booking cancelled - We never stayed at the XXXX XXXX, XXXX NY - Chase charged us {$1800.00} anyway, and when we disputed the charge they declined to cancel it Attachments ( 1 ) copy of email from Chase Fraud Alert ( 2 ) copy of letter to Chase regarding disputed transaction ( 3 ) copy of letter from Chase regarding disputed transaction
Product: Credit card or prepaid card

I have a Way2Go MasterCard from TN UI, I have a {$9500.00} balance that they will not allow me access since XX/XX/XXXX. 
Card issued in TN, I have traveled to Nevada for dads funeral, they say I had to report my travel with TN UI,, even though the card policy info does not state that, I did. They have admittedly stated they made mistakes by XXXX on XX/XX/XXXX not entering correct info fir whitelisting me causing another 24 hour delay. Theyve had me try online, cash app, bank teller, atm etc.. nothing works. 
I am desperate for help and dont know where to go.
Product: Debt collection

This company is not removing a negative credit inquiry from my credit reports. The account & delinquency is from 2004. Instead they keep changing the date as to when the account was open to keep it on the report longer. I 've asked for them to verify debt information and dates and they refuse to provide the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I have XXXX accounts reported as delinquent from XXXX XXXX  on Chex systems the account has been reported as closed on XX/XX/XXXX For both accounts So after speaking with Chex systems I was informed that these accounts will fall off from Chex systems on XX/XX/XXXX since it was date reported as closed on their end and their policy states that account reported stays on file for 5 years from DATE REPORTED But according to FCRA statute of limitations For removal of negative information starts from the DATE THE ACCOUNT FIRST BECAME DELIQUENT And this account went delinquent 3 months which is 90 days prior it was closed and/or reported So Chex systems is in violation of FCRA and consumer rights and this practice is unfair and going on for years and its about the time to hold them accountable Id request them to either update the information or delete from my life because as a consumer Im entitled to incorrect information to be deleted from my account I have attached information from FCRA so Chex systems can refer to it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, and XXXX  about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report. 
1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report
Product: Payday loan, title loan, personal loan, or advance loan

One main financial keeps conducting deceptive business practices and finding ways to charge for things that they aren't entitled to charge. They then tell you to get a refund, they require 6 months of your banking history, in order to approve the refund. Their internal policy doesn't trump consumer law and it shouldn't be specifically designed to oppose it either, or benefit only the party that made the contract. Furthermore, they are predatory as I have never missed a single payment and they suddenly decided my insurance wasn't compliant. They told me verbatim " I dont know what policy you need but I know the deductible has to be {$1000.00} ''. I did exactly that AND sent the proof via their own email generated confirmation system no word for XXXX mo the and then I get a letter saying the used my personal and private information to sign me up for a second, external insurance policy. I call to ask why, since I did exactly as directed and it's the same insurance I've had for the entire XXXX yrs of the loan, they told me their is an eternal XXXX from when they took a months payment prior to the month ever occurring ( and charged a late fee for a month that hadn't come to pass yet too ) and the account was locked. They told me I had to call the complaint department and REMOVE MY complaint, so they can update the insurance. Which they said they can't tell me because it's locked so I can't even know how to comply. Then the XXXX calls and admits they did nothing about the prior compliant and there is NO COMPLAINT or XXXX lock on my account, yes the deductible needs to be {$1000.00} but I am free to file complaints woth the CFPB or FTC, if I'd like becauss they want me to call thr insurance company THEY signed me up for, without legal cause, or permission, and after I'd drop my previous complaint that keeps teetering between existing or not existing, depending on how it benefits THEM. Again, I apy all my payments on time and in full and they have been rampantly abusing me for no reasons and conducting illegal actions to pilfer more money they aren't legally entitled to.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your assistance to correct the accounts XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX  XXXX )
Product: Mortgage

I have a cost for " court '' costs of {$950.00} with no explanation I think because I filed a complaint against them. This cost is unfair!
Product: Debt collection

Pretrial conference was on XX/XX/XXXX ... Midland was represented by a lawyer who asked judge for  judgement of {$1800.00} plus legal fees ... When in fact this case was settled with Midland on or about  XX/XX/XXXX after I applied for and was awarded with hardship due to my XXXX status ... Yet their own lawyer told judge some 13 days after case was closed that they were still seeking monetary reward for them ... Sent a lawyer that has no clue that the case he was bringing had already been closed ... Judge motioned the hearing go to trial ... .I found out Midland had approved my hardship and closed my case AFTER the hearing ... .HOWEVER, their own lawyer should know the facts of the cases they are bringing into court ...
Product: Debt collection

On XX/XX/2023, I sent XXXX a letter of dispute requesting validation of the alleged debt but have not received any response from their offices yet.
Product: Credit card

Closed my Wells Fargo Credit card in XXXX they still ran a credit history which gave a hard hit on my credit score. I was issued a new credit card based on this hit in end of XXXX without my concern and knowledge. When I tried to call them and ask why am I receiving this card now since I canceled my Credit card in XXXX they just replied me that we will cancel it and do n't worry about the card just throw it away. Before I ask any other further question about my credit score the customer service agent just dropped the call. Please help me close the account and dispute the hard hit on my account.
Product: Debt collection

XXXX failed to provide me proper services. I had spend countless hours with them. I finally gave up and cancelled services they agreed for certain credit and asked me to pay certain amount, which I paid immediately. They later on have decided no they can't I have no idea why. They kept sending me letter. I contacted them on few occasions and every time they said they will get it resolved, I should not worry. XXXX later on sold my account to collection company XXXX I spoke to collection company they agreed to put the account in dispute and not to inform credit bureau. They said they will contact XXXX and get it resolved. Well they didn't and reported to credit bureau. I called XXXX today they said they have sold my account so they don't care. I requested for the transcript of my conversations. They pretty much refused. How can organization like XXXX do that to their customer. In fact they owe me money for time energy frustration and I couldn't work for months because of service.
Product: Debt collection

Unknown agency as I have never done business with XXXX XXXX and do not owe them. Please help I have disputed with no validation
Product: Credit card or prepaid card

In the first part of XX/XX/XXXX, my two credit cards, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Union Plus ), were blocking payment for an order based on " insufficient funds ''. Both are unfortunately administered under Capital One. To release these for payment of on-line purchase, Capital One was demanding an upload of my Driver 's license, which I was unable to do. Frustrated, I called the local business and explained the problem. They immediately assisted me to complete the transaction, after which I did not encounter a problem until now, three months later! I also had contacted the XXXX XXXX explaining the problem and was told there were conflicting expiration dates between the card and that on the order. Correcting this solved the problem in using the Card, however, did not apparently solve the problem for Capitol One. By blocking my cards under the guise of possible fraud they prevented me from using the cards for a while, however, no problem after correcting the date, until XXXX. They were misrepresenting the reason for blockage. Furthermore, there have not been any complaints of misuse of my card for 2 years or more, preceding this event. 

Now in XXXX they did it again. Blocked both cards under the guise of insufficient funds and blocked my purchases, one of which was a XXXX  order for groceries. I am XXXX, XXXX  and taking care of XXXX XXXX  children, for which I need groceries. I generally do XXXX  pickup and have never not paid my bills. I offered to read the fraud dept. the numbers on my Driver 's License, so they would have the information they wanted and that was not good enough. Claimed they needed to identify me and needed me to upload my Driver 's License. Have made several attempts to do so and was unable to. I told them if I had stolen someone's purse, I would also have taken the Driver 's License so that made their demand ridiculous. 

My purchases have now been delayed by one week or more. At this point I am done and seriously looking into getting a new card, that is not administered by Capitol One. Meaning another delay of two weeks. This is total XXXX  on the part of Capitol One and slanderous when identifying such blockage as due to " insufficient funds. They would be unable to provide one instance where a legitimate charge/bill was not paid by me, and no fraud complaint has been filed. 

I have had the Union Plus Card since XXXX, without a problem until Capitol One started to manage the card and have had the XXXX XXXX XXXX XXXX card for several years. I will soon be XXXX  years of age and am in complete control of my brain, not XXXX. They either release both cards immediately or they will lose a long-time customer. I am not going to invest thousands of dollars into new tech equipment & take lessons so I can use their cards. The premise for their demand is not honest, nor does their reason for such make sense, as I could have stolen the driver 's license. So, what is really going on here?
Product: Debt collection

I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to Ad Astra collection agency requesting documentation this agency has the right to collect on a discharged debt. Ad Astra sent me a letter advising me this collection was assigned to them ; however, Ad Astra fail to provide me in writing any written agreement between Ad Astra collection agency and XXXX XXXX. The information provided was the loan agreement signed with XXXX XXXX, whom choose to charge-off this balance. I contacted Ad Astra by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between Ad Astra and XXXX XXXX ). Ad Astra representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and Ad Adstra doesn't have the right by law ; Ad Astra change the reporting payment to reflect past due which cause my credit score to drop by 12 points.