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

In XX/XX/XXXX I received a duplicate charge to my XXXX card for initial payment in a 4-part installment plan for a ticket purchased from XXXX. I've contacted both XXXX and Klarna for 10 days and neither company will take responsibility for the duplicate charge. I've sent confirmation from XXXX that the duplicate charge was voided but Klarna continues to threaten to charge my card and says XXXX is the only party who can resolve this. Klarna has told me to stop contacting them unless there is new information. Duplicate charge : XXXX or XXXX Valid charge : XXXX or XXXX I've disputed the duplicate charge with XXXX on XX/XX/XXXX.
Product: Checking or savings account

I am at the chase in XXXX, CA off of XXXX XXXX and I tried to deposit a check into one of their atm machines. It told me it couldnt accept my check and requested I take my check back. Only I could see my check was stuck and was not coming out. I attempted to cancel the transaction and it was still lodged in the machine. This happened at XXXX so no one was around to help me retrieve my check back. After canceling the transaction the machine stated it would not be accepting checks however after rolling back around I noticed it was working in perfect order again.
Product: Checking or savings account

I was a victim of fraud and tried to work with Suntrust to prevent it from happening before charges ever cleared. Suntrust told me they could not help me and I would need to file a claim which has been repeatedly denied. Below is a timeline of what took place. 

XX/XX/2021 I received a call on XXXX XXXX cell phone. ( Hes XXXX XXXX XXXX and I am his caretaker. ) I was on the phone for XXXX hours with XXXX who claimed to be with XXXX fraud department regarding a phone that was supposedly ordered through my account. He wanted to assist me in rectifying the fraud with XXXX and I was instructed to download an app and told they would call back the next morning to finish ( see further details on Suntrust rebuttal form ). 

XX/XX/2021 XXXX from the XXXX fraud dept called back and I asked him to verify his identity and he gave me a number to call. I called XXXX and was told XXXX was with XXXX fraud department. I still felt concerned so I called XXXX directly and they reported they do not have a fraud department and that Id been a victim of a scam. 

At XXXX am, I called Suntrust customer service to report the fraud and asked them to stop the transactions. I gave them all of the numbers that XXXX used to contact me ( included on page XXXX of the Suntrust rebuttal form ) and all of the details. They said that the payments would have to post to my account before the investigation could begin. 

Not happy with that answer, at XXXX on XXXX, I visited the Suntrust branch at XXXX XXXX Highway, XXXX XXXX TN XXXX and spoke with XXXX XXXX, who XXXX the fraud department to report XXXX scam. He provided me case number XXXX in the amount of {$5600.00} and I was told that the case could take up to 10 days to complete. 

XXXX also encouraged me to report this to the FTC. I did that in the afternoon of the XXXX and received report number XXXX. 

XX/XX/2021 I spoke with XXXX at Suntrust who told me not to worry about it and she had escalated it. 

XX/XX/2021 I spoke with XXXX at Suntrust and she said this was not fraud but escalated the case and told me to call back on XX/XX/2021. 

XX/XX/2021 I returned to the XXXX XXXX branch of Suntrust and spoke with XXXX again. He called the fraud department and they said I had to fill out the rebuttal form. 

Later that same day, I returned to the branch and had XXXX fax the 11 page rebuttal to the fraud department. 

XX/XX/2021 at XXXX pm XXXX XXXX with XXXX in the fraud department at Suntrust who said that my card didnt work because my account was frozen on account of the fraud. She also said that the case was under investigation and could take up to 45 days. 

At XXXX the same day, I went back into the Suntrust XXXX again and spoke to XXXX who helped me withdraw the rest of my money and froze the account.
Product: Credit card or prepaid card

I received an email from Chase about a bill, thinking my credit was affected by that breach from the credit bureau. I ran my free annual credit report and saw Chase on there for {$95.00}. I have the card, but had paid it off and not used in over 2 years. I called Chase, and they explained it was for an annual fee ( I had never been charged a fee ever ). I explained to the representative that I do n't pay fees, have n't used card in years and wipe it out and close account. He said he could not waive the fee. I asked why, and was given some explanation that made no sense. I had just received the email about a statement and was telling him to close the account. He said he could close account but not waive fee. I then got angry and told him if not closing account and I have to pay the fee, leave it open. I paid the bill immediately as not wanting to affect my credit. But, the more I thought about it, this was not right. I have great credit and do not use credit cards with annual fees. I do n't know if they did this because I have n't used the card? I do n't know why they just did n't close it for inactivity, but instead charged fee?? 
CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX card ends XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries do not belong to me. I did not authorize these inquiries XXXX XXXX  ( Date : XX/XX/2022 ), XXXX XXXX ( Date : XX/XX/2022 ), XXXX XXXX ( Date : XX/XX/2022 ).
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX LAND XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX  XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed identity thief claims and submitted all the document to show that someone has stolen my idenity with all 3 credit bureaus but the the account have not been removed and In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, has all 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. 

I have attached the case number fand proof of the identity thief and a copy of my social and ID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and transunion continue to report fraudulent and erroneous information. this is in violation of the FCRA.
Product: Mortgage

Working with Bank of America on refinancing my mortgage led to inquiry in my credit score. The refinancing did not meet the goal I had but the inquiry led to decrease in my credit score impacting the ability to refinance with another lender.
Product: Credit reporting or other personal consumer reports

They have the wrong XXXX number addresses wrong account balances wrong repeated inquiries for the same places like XXXX times
Product: Credit card or prepaid card

I have a Best Buy credit card issued by Cicibank, N.A. The problem I have is that after I opened the account they refuse to give me information or access to my account. This puts me at risk because I am not able to monitor or manage my account. I have contacted them on three occasions and they will not give me access to my account because it has not been verified. They are unable to verify my account because I have not received a letter from their consumer protection department with a code. I asked them what address they are sending it to and they will not tell me. I get the statements in the mail but they are not sending the verification letter to the same address. I asked why they used a different address than what I gave them when I opened the account and they said they used the address that was public record. This also puts me at even more risk because they are sending a letter to verify the account to someone else and they are the ones that decided to do so on their own. They also are using my wifes cell number as the main account contact which further confuses the issue. The funny thing is, I never gave them that number. The only thing I can think of is that they are using old information from when we used to have an account 4-5 years ago with them. 

I mailed a check to pay the amount in full last month so I could be rid of their nonsensical shenanigans but they will not close the account for me without verification. Credit score be damned, I am closing this account no matter what.
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. 

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 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 reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reporting a problem with Experian, Experian launched in " investigation, '' but ended up opening up a dispute with an unrelated account, which showed on my credit report. At first I was unsure what this was about, but when the results of this " investigation '' came back, it said it was a " reinvestigation '' despite me never having disputed this account, ever. The original dispute was not investigated, and remains inaccurate. Experian responded with boilerplate language, but did not actually fix the problem, despite being provided with receipts of payment, which they asked for. It's clear they don't actually even look at evidence they ask for, they just take the word of the creditor, and when a consumer complains, they retaliate.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX indicating that an account application had been submitted in my name and they require more information to open the account. This is a fraudulent application therefore I contacted XXXX right away to stop the application process. They confirmed that there was a hard credit check and that I would need to reach out to the bureaus to have it removed. The bureaus indicated that I needed to file a report with the FTC and CFPB to get the process started in getting this fraudulent hard credit inquiry removed from my credit files. I have attached the letter I received from XXXX to inform me of the account application that was when I discovered the fraud. What other steps can I take to avoid this in the future or to prosecute the person ( s ) responsible?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00}
Product: Student loan

I had a PLUS loan with Cornerstone that was paid off in XX/XX/2020. The loan was transferred to FedLoan. I have tried numerous times to get a refund of my payments made from XXXX and keep being told they have no information on my account. Federal Student Aid lists FedLoan as the servicer. FedLoan says they cant locate any information in the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I am disputing a 30 day late that was places on my credit report by Chase. I am refiling this because I did not dispute the response that Chase gave on XXXX/XXXX/XXXX. The email that I received from the CFPB on XXXX/XXXX/XXXX did not indicate a time frame for me to dispute by so I now have to refile instead of dispute it. 
I received a courtesy call from Chase 's Customer Support Team on XXXX/XXXX/XXXX at which time I was told my account was past due and made a payment of {$270.00}. The customer support lady told me not to worry that I would not receive a late notice against my credit. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, much to my aggravation, a late notice was placed on my credit report and the auto pay program was never set up for my credit card account. Given I was told by Chase that I would not have a hit on my credit and they ended up reporting one, this credit late notice is a bank error. 
On 4 different occasions I called Chase 's Customer Service to see if we could resolve this late payment problem and I requested the support individual to pull up the call from XXXX/XXXX/XXXX to prove that this conversation had indeed occurred. On each call I would be bounced between departments being told that I was talking to the wrong department. None of the departments were able to resolve removing the late notice or find the call on XXXX/XXXX/XXXX. At the end of each of the 4 calls with Chase I was told they would look into everything and get back to me. I never heard back from any of them. 
After not getting any responses from my calls to Chase I decided to wright a letter to Chase 's Executive Office on XXXX/XXXX/XXXX and promptly received a letter back on XXXX/XXXX/XXXX which did not even address any of my concerns. I called XXXX XXXX, the rep from the Executive Office that wrote the response letter, to ask why they did not answer my questions and never received a response. I called again and was put in touch with XXXX XXXX and she looked into everything and could not find the call from XXXX/XXXX/XXXX and without it I have nothing to prove that this is a bank error. Given all of this Chase has determent that there is no evidence of a bank error. This has hurt my credit and will cause unknown amounts of money in potential lost money. 
I would like to have the 30 day late be removed from my credit given I was told that it would not be reported making this a bank error. 
I would also like the CFPB to add the 60 day response time limit to their emails regarding company response so consumers are told of this timeframe. I have attached the email that I received from the CFPB that clearly does not indicate a response time period.
Product: Credit card

Capital One : Capital One is now handling Kohls credit card accounts. I was never sent a letter to this effect. I never received a call or an email that my account was deliquent during XXXX and XXXX of XXXX, I received a Kohls statement in XXXX for over XXXX dollars. This is ridiculous. I called Kohls duringI XXXX, XXXX, XXXX, and in XXXX. I was told my balance was XXXX. I spoke with XXXX in XXXX at Capital One who stated there was no record with my social security number linked to the account on that statement sent to me. 

I was told I made a purchase in XXXX of XXXX  and they asked if I lent my card to anyone and I stated no. I am careful with my credit. I called XXXX XXXX about my credit score and they said it is due to Kohls reporting non payment since XXXX. XXXX the supervisor at Kohls would not listen to me about the purchase unless I made my account current. I will not pay for a purchase I did not make. I have not asked for a credit increase they gave me in XXXX of XXXX  and I never received a letter that they closed my account. This has given me a drop in my credit score. I am a XXXX XXXX XXXX XXXX  who was NEVER informed about this through email or postal until XXXX and I have been calling since XXXX and no one until now has said I had made a purchase in XXXX of XXXX. 

I need some assistance with this and my credit score needs to be adjusted as well. Hopefully your assistance will guide Kohls/Capital One with a resolution about this account. 



A concerned consumer, XXXX XXXX XXXX
Product: Debt collection

I have XXXX collections totaling {$3600.00} on my credit report that do not belong to me. The collection agency is Thomas Agency and the hospital that the bills are coming out of is XXXX XXXX. I have contacted both the hospital and the collection agency in reference to these bills and to no avail. I called both 2-3 months prior to inquire as to what the bills were for exactly. The ailments the hospital said I had gone in for ( a XXXX, for example ) were something I had not gone to the hospital for. In fact, I have lived in XXXX, ME since 2011 and have not gone to this hospital as it is in XXXX, ME. I have never received letters or bills in regards to any of these collections - I just noticed them on my credit report one day. When I called the collection agency to have them send me an itemized bill, I verified my address and was told I would receive something in 7-10 days. 2-3 months later and I have still not received anything. I did an online search for their Web site and noticed a place to make a payment. I thought that if I clicked on " Make A Secure Payment '' I would be able to see what I owed or, at the very least, how much I owed. However, there is just a rough looking form for me to enter in my name and credit card information. This site does not seem trustworthy to me at all. I am very upset at the fact that I have disputed these collections once already and they were verified as being valid ( somehow ). I really need some relief at this point because my credit score is hurting for collections that do not and have never belonged to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Hello, I am filing a complaint regarding an unauthorized transaction on my Cash App account. On XX/XX/year>, {$150.00} was withdrawn from my linked debit card without my authorization. The transaction details are as follows : Amount : {$150.00} Transaction ID : # XXXX Cash App Case Number : XXXX Reference : XXXX I only discovered this unauthorized charge today during my quarterly financial review. I immediately contacted Cash App and filed a dispute, but they have not yet refunded my money. This transaction was not authorized by me, and I am seeking assistance in recovering my funds. 

I request the CFPB to intervene and ensure that Cash App processes my refund in accordance with consumer protection regulations. If this issue is not resolved promptly, I will also be filing a police report for fraudulent activity. 

Please let me know if you need any further information. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that my student loan records were showing on the consumer report. I know that there shouldnt be ANY record of reporting listed on my consumer report because I didnt consent to have the records disclosed. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school per 20 U.S.C. 1232g ( b ) and they released the information without my consent for them to report them. my credit score is damaged due to improper credit reporting XXXX XXXX XXXX Account # XXXX birthday XXXX SSN # XXXX
Product: Checking or savings account

I called to report debit card fraud done on XX/XX/XXXX and XX/XX/XXXX for {$1200.00}. 
We reported this on XX/XX/XXXX. 

When the bank accessed our account, they said there was other fraud charges found from another company back in XX/XX/XXXX. And once they find fraud, they can only cover the fraud charges for 60 days. So any new event of fraud is non-reimbursable. 

They are refusing to reimburse the {$1200.00} that was taken out over a two day period.
Product: Credit card or prepaid card

My exact issue was not stated, but it deals with Bank of America withdrawing a {$36.00} automatic payment from my acct. on XX/XX/2018, 6 days after I paid the complete balance of {$3600.00} on XX/XX/2018 and asked if the balance was XXXX, which the cs agent said yes, then I asked that the account be closed. Then, since they had authorization to take automatic payments, this company fraudulently took a {$36.00} payment on XX/XX/18 that I did not owe and then they charged me a {$27.00} return check fee because I had already closed the checking acct. I used for the automatic payments.I am dealing with phishing scams on personal email and possible theft of my checking acct. #, so I closed my checking acct. & opened another. The only way I even knew this was happening, was that I received a letter telling me that there fraudulent attempt to get another payment from me had failed and now I was being charged a fraudulent fee for a return check??? This is evil. I spent 1 hr. & 15 minutes wasting all of my phone minutes trying to reach a cs agent at Bank of America, talking with XXXX first who hung up on me because I was upset, XXXX who would not listen to me, but did take the return check fee off & finally XXXX who told me that the {$27.00} fee was taken off and the {$36.00} payment was cancelled out. I wanted a written confirmation of all of this evil that had been done to me and their confirmation that I had a XXXX balance, but they told me they can't even do that, I will have to call back and waste my time again on Bank of America.