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

I havent been able to access my citi account for XXXX MONTHS. All they call about is getting my minimum payment, but when I try to get access to my account again it is ENDLESS transfers and holds. 
I can NEVER get anyone from the USA on the phone, anything I ask besides their script gets IGNORED. 
WORST. COMPANY. EVER. 
And then today ( XX/XX/2022 ) I get a voicemail from them, call back ( which takes XXXX min to even get connected ) to which point the person is asking ME why Im calling and when I mention that YALL CALLED ME, I get put on hold. Still am on hold. 
IVE WASTED SOO MUCH TIME
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX  XXXX  HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$200.00}, ( DEPTEDXXXX  {$3300.00}, {$1100.00}, {$2900.00}, {$3100.00}, {$3900.00}, {$3500.00}, {$7100.00}, {$5200.00}, {$2600.00}, {$5200.00}, {$550.00}, {$1600.00}, {$6600.00}, {$6500.00}, {$2600.00}, {$4000.00} ) XXXX  {$0.00}, XXXX {$7200.00}, XXXX {$0.00}, XXXX  {$520.00}, XXXX {$0.00}, XXXX {$4700.00}, XXXX XXXX XXXX {$560.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, INQUIRES XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Student loan

I have been trying to get a student loan from PNC banks corrected on my credited report. It showing payment was late over XXXX times corrected when the loan was in forbearance or it was in a bankruptcy status. Its showing that I was late over XXXX times which I never was in a repayment stage and have tried numerous of time to get that corrected and have been unsuccessful.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and u fair 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations
Product: Debt collection

This company is harassing. They call at all hours. I have roof they have called at XXXX, XXXX, XXXX. I have tried for years to explain this is not my debt. They keep trying to collected on a XXXX credit that I never had. Years and years ago XXXX i had a XXXX card when I worked there. That card was paid off and closed out before XXXX. I have never ever had a card since then. This was open by someone else and not me. And for years they have reported this to my credit ruining my credit and harassing me which calls in the middle of the night and morning, leaving threatening messages which is illegal because by federal law they cant call after XXXX. XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Calvary Portfolio Svc added a fake/false payment to reage my account to be eligible for collection activity. I have not made any payments to this account in over 8 years. It 's past the 7 years for any type of collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax. They said everything is XXXX  % accurate. I would like to receive a description according to 15 USC 1681i ( 7 ).

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on customers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and How did they complete this investigation Account : Equifax Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 


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 an 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.

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

Credit Control Corp ( collector for XXXX XXXX XXXX ) is reporting collections on my XXXX report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with XXXX & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in Florida. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX EQUIFAX Report Confirmation # : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am a victim of ID The
Product: Checking or savings account

My husband, which he is also in this account, was paid by a check in the amount of {$5.00}, XXXX, for a job and Amegy froze our whole account while we were on vacation! They said they did not recognize the company and they had a reason to believe that the check would not have enough funds. Whats funny is that the guy that paid, it had already cleared on his end, but Amegys fraud department will not talk to us. We have been with them for over 20 years and its so frustrating and disappointing that I thought our loyalty counted as something for them. Yes, they froze our checking account without warning! This happened on XX/XX/XXXX, and according to them, they are not done with their investigation until XX/XX/XXXX. So upset!!
Product: Student loan

My loans for the past > 2 years have been under FedLoan servicing. They were taken over by XXXX when I started on the XXXX XXXX XXXX XXXX program. 

This spring I re-certified my income so I could continue on with my XXXX program. That is when the difficulties began. Initially they declined my re-certification multiple times due to not having sufficient info to verify my income. This was despite the fact that I submitted my XXXX 's and my IRS tax transcript. This delayed my re-certification past the deadline despite me submitting everything on time. During the multiple phone calls to resolve this issue they mentioned that while I clicked to recertify back into my same plan I also clicked a box on my forms erroneously to try to put me into a lower repayment program. It was a short discussion notifying me that I could be eligible to be put in a similar program that would not effect my PSLF eligibility and I would simply pay less each month. I told them I was fine with this as long as it did not effect anything overall. As I have had other friends do this I did not think much of it. 

Unfortunately my loans initially got put into standard repayment so I was debited {$560.00} for an unclear reason, then {$8000.00} from my account. I needed to call my bank to have this payment stopped. I also have an upcoming payment due for > {$3600.00}. My loans were supposed to be put in forbearance during the switch over as it takes XXXX a few months to determine my new program and monthly payment. Now I have XXXX payment overdue and likely another upcoming as I will not be paying the {$3600.00}. 

Now finally they have given me the info about my new repayment program and I will be paying > {$1900.00} a month. Previously I was paying a little over {$1800.00}. So after all of this I will be paying more, not less. To add to this confusion I was initially quoted approx {$1200.00} for the new program. 

On top of this I just realized that they added over {$43000.00} to my loan balance due to interest capitalization from the switch over of my loans. This was never explained to me and I would never had agreed to a switch if I new this would happen. 

When I spoke to a supervisor from XXXX the only option he gave me was to continue with the new repayment program and they will try to correct the {$8000.00} and {$3600.00} payment owed. They would not be able to correct my loan balance and the {$43000.00} in loan capitalization would remain applied. 

I am not sure if this is fraud or incompetence. I just want to be in the same program I was prior and back at my original loan balance. I am not sure what to do and I am at a lose. 

I would appreciate any assistance you XXXX be able to provide.
Product: Credit reporting or other personal consumer reports

I was notified my info was compromised in XX/XX/XXXX and I promptly took action by fling an FTC AFFIDAVIT and reaching out to credit bureaus. I had to pay for access to " free '' reports which I was never able to obtain due to system being down.

I haven '' t been able to access to control my report.

Under 15 USC 1681 ( a ) - ( l ) Everything must me accurate and verifiable and complete.

I did not nor authorize the following inquiries.

I want them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given a visa gift card for my birthday, with a balance of {$100.00}. The card says it was issued by US Bank. 

Several months later I removed the card from its original packaging and tried to register it on the provider 's website. When I tried to register the card to verify the balance, I found it had already been used for the full amount on the card, leaving a XXXX-dollar balance. 

I called the customer service number as printed on the card and filed a claim. I was informed the transaction had taken place in a XXXX store in California on the day before my birthday. 

This week I was informed that my claim had been denied, because I had not filed it within 120 days of the gift card 's fraudulent use. 

As the card had remained in the original packaging until XX/XX/XXXX, and there were no instructions on the packaging indicating I was required to register it within a certain time period, I did n't have any information that I suggested registering the card and checking its balance was anything other than optional. 

Doing research online, this turns out to be a widespread problem, that has been going on for some time. There are a number of articles online describing others that have fallen victim to this scam. Some claim that hundreds of complaints are received each day. 

Unfortunately, the corporation selling these cards has yet to take any action to either prevent this fraud, or to warn customers of the risk of the fraud and what they must do to protect themselves should the card 's account be used for unauthorized purchases. No warning is given that if the card is not registered within a particular time frame that the card holder will not be reimbursed for the fraudulent activity.
Product: Debt collection

This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws. 
Please see attached information. Thank you.
Product: Debt collection

XXXX XXXX XXXX Last reported XX/XX/2021 {$1600.00} Open balance 11 XXXX  Original creditor
Product: Checking or savings account

Someone got ahold of my chime bank debit card and my XXXX XXXX debit card and made multiple unauthorized transactions. I notified both banks filed a dispute XXXX XXXX has reversed the charges on my account but chime bank has not. I dont own a firearm  and the Michigan state police can verify so which a few of these transactions was made at gun stores, clothing stores, atm withdrawals, gas stations mind you I dont own a car thats what my funds was for dmv can verify I dont own a vehicle nor have one registered to me, and XXXXXXXX stores
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to WELLS FARGO CREDIT SERVICE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS XXXX XXXX ) ( XXXX ) AND ( EXPERIAN ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF XXXX DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' XXXX -- ACCOUNT NUMBER XXXX ( XXXX  XXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) EXPERIAN XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A 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 BELIEVETHAT THE INFORMATION IS INACCURATE
Product: Checking or savings account

On XXXX/XXXX/XXXX  I cashed a check into my Capital One account via the mobile app for the amount of {$2500.00}. I did this only because my primary bank was not open at the time. I got a email from Capital one saying that the funds will be retained for another week until they Can very the check and that it is a valid check. I called Capital one to inquire about this and why are my funds being withheld. They said because the check was written over due to a mistake they will not release the check and need to speak to the remitter of the check. I informed them that this is not the first time I have cashed checks into my Capital on account that there is no need to verify the check that I have never had this problem before. They then said we will be ending the banking relationship with you because we are unable to verify the check. I dont have this problem with my primary bank they simply cash the check into my account without questions. XXXX  XX/XX/2023 I called back to Capital one to verify the status of my check. The representative informed me that the check has not been returned and it has deposited but they still need to speak to the remitter. I said if the check has not been returned and it has been more than a week since I have cashed it into my account then why is there need to verify the check. Obviously the issuing bank of the check has deem it valid and released the funds. Capital one still refuses to release me my money and give me access to my account. I feel discriminated against and wrongly treated by Capital one. I will also be seeking legal help to explore what actions are available to take against Capital one for this discriminatory service and treatment.
Product: Credit card or prepaid card

This is regards to my Apple Card ( Mastercard ) Went to a website that looked like usps, it was a fake site and charged my card on XX/XX/21 for XXXX for a change of address ( this is suppose to be only XXXX ) I disputed it over 6 times and each time I was required to provide them with a receipt to prove it was fraud, I never received any email or receipt because it was a scam. I never received any information from the fraud site so everytime it was recharged and not resolved in my favor. I called and spoke to a manger and still was told nothing could be done, I explained that a fake/fraudulent website is not going to give you a receipt or proof they it was fraud. I closed my Apple Card after a year of disputing this charge and they closed the account a left the following message on my credit report. ( Dispute resolved ; consumer disagrees, account closed by consumer ) which is odd because the dispute was never resolved.
Product: Credit card

I tried to purchase using my card in or around XX/XX/ added it to my mobile wallet soon after I received an email regarding a restriction being placed on my card so I called Marcus By Goldman Sachs regarding the issue they said the restriction was placed to protect the account and would need to complete verification steps to create a case file so the back end of the bank can review the account and remove the restriction the timeframe promissed for this was 5-7business days so I got in touch after 1 week to know the status they claimed its still under review and requested me to wait another week but to no avail there was no solution to the problem I had as of the date XXXX  there was no resolution for the issue.
Product: Debt collection

I received a phone call from the medical company requesting my insurance information which they already had on file instead of processing the payment they placed it for collection with capio partners who is not eligible to collect debt in the state of FL XXXX XXXX is also in violation of my hippa rights by sending my person XXXX information to a debt collection agency