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

My husband makes periodic charges on XXXX XXXX on behalf of my XXXXYO daughter. Because XXXX automatically keeps our credit card information on file, he has to take the extra step of removing our credit card after each purchase. If we could get a history of activity on XXXX, you would see that he does this every time he purchases something from XXXX XXXX on behalf of my daughter. XXXX keeps this information in their data files. On XX/XX/20, he authorized a charge on XXXX XXXX for {$19.00}. He removed the card before he handed the tablet back to her. 

Unbeknownst to him, XXXX kept the card on file and my daughter accidentally charged {$1500.00} in XXXX charges between XX/XX/20 - XX/XX/20. I learned of the charges on XX/XX/20 and contacted XXXX for a refund. They said it didn't qualify since our card was in their system. My husband is very careful about removing the card after each purchase and says it had been removed. 

In order to prove that he removed it, I asked XXXX for documentation concerning the account activity ( each click and command given ) for XX/XX/20 and I was told they could not provide that for me. This is the only way I can prove that my husband had removed the card so I have no recourse in getting these unauthorized charges refunded. 

As of this writing, our credit card company, Chase Bank, also won't refund us. They say that XXXX disputes our claim that these charges were unauthorized so they won't credit the charges either. Additionally, Chase Bank 's fraud services failed us in notifying us of international charges ( XXXX is based in XXXX ) as I had indicated on our alerts and the fact that a company was charging our card repeatedly -- XXXX charges in less than a few hours -- and didn't send me an alert or deny the charges based on suspicious activity. I feel as both XXXX and Chase are not offering the proper protection against the unauthorized charges that I've incurred. 

We have disabled all purchase capabilities on XXXX due to this issue. We did all that we knew to do to avoid unauthorized charges and yet, when it happened, XXXX won't refund us or provide the data needed to show that we removed the card. My complaint with Chase is that they didn't notify me when suspicious charges were occurring ( there was no alert I could sign up for when charges are repeatedly sent through in a short period of time ) and when I notified them on XX/XX/20 that the charges were not authorized, they failed to deny payment to XXXX.
Product: Prepaid card

I was provided with a prepaid debit card from XXXX XXXX XXXX which was fulfilled by North Lane Technologies. I had trouble using the card toward the end of the funds because it always had to be for an amount less than what was left on the card. I was unable to complete partial purchases with this at the retailers I tried. Because of this, I still had {$31.00} on the card. I had given up for a while and removed the card from my wallet. After a recent move, I found the card again, and wanted to try to utilize the rest of the funds. I noticed that the card expired in XX/XX/XXXX, so I contacted North Lane on XX/XX/XXXX to get a new card. I had read that while cards themselves can expire, the funds on them can not. Later that day, North Lane said they can not and will not provide me with a new method of accessing my funds. They said " According to the terms and conditions set forth in this program and detailed in the information delivered with the card, this account can not be reissued. '' This seems to go against everything that I have read about funds not being able to expire. Additionally, I do not recall receiving any such conditions when I received the card. I reached out again on XX/XX/XXXX and told them that I would report them to CFPB and they responded back on XX/XX/XXXX stating again that they can not reissue me the funds.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00} - Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} - Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$430.00} - Chargeoff XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX : {$2100.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$70.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} - Chargeoff
Product: Mortgage

Requested XXXX months forbearance during summer XXXX due to health. Resumed making house payments XX/XX/XXXX and every month after till the Month of XX/XX/XXXX when SunTrust terminated my Auto Pay and refused to accept my XX/XX/XXXX payment by phone, saying I owe for XXXX months of payments because of something called reallocation. When I explained this to my Loan XXXX with Bank XXXX XXXX, she and her VP of Refinance said I should contact you and a Real Estate Attorney in Texas for help. I have sent in XXXX Loan Modifications only to have everyone XXXX returned due initials not on new pages they would sneak in. Now I am going to send in the XXXX Loan Modification tomorrow. 
XXXX XXXX XXXX XXXX XXXX has spent XXXX months of Refinancing for me and SunTrust has blocked and refused to receive my forbearance at the closing table, that was the deal. Tried to get my recorded phone conversations with the agreements, they refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with the TransUnion Credit Reporting Agency.

I am able to have a XXXX  glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword   being cursory with XXXX and XXXX  as long as I can remember. However, TransUnion requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about. 

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. Transunion does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!! 

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via XXXX reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in XXXX XXXX Texas ) in with me.
Product: Bank account or service

Further to my previous filing, Wells-Fargo has responded to my complaint about unfair fees by closing my account. I have sent them a reply, requesting a formal letter indicating that my account has been closed and that no further financial burden is expected of me with respect to this account. 
Wells-Fargo has removed all evidence of my checking account from the online service in a glaring attempt to cover up what they are doing. I never received any notice of their intent to close my account. Instead, my credit card provider ( not Wells-Fargo ) informed me that a scheduled monthly payment was rejected due to account closed.
Product: Checking or savings account

I received an email XX/XX/XXXX at XXXX XXXX saying my new Frost Bank account has been approved. 
I Bank with XXXX XXXX, and have since XXXX. 
I've contacted the bank this morning and closed the account. 
I was instructed by the bank to file a report with the FTC.
Product: Credit reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 XXXX  XXXX XXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER 7 years old since it was closed, and should NOT be reported anyway. XXXX XXXXXXXX XXXX, XXXX, XXXX, and Experian are ALL in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed complaints about XXXX equifax and XXXX all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but equifax an XXXX are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying {$24.00} for Experian 's credit works product. I decided not to renew for month of XX/XX/2017. 
Now I can not log into my membership portal to retrieve past credit reports from 2017 which i have paid for. 
I called Experian 's membership phone number which always has over an hour wait. ALWAYS has over an hour wait regardless of what day or time I call. 
The representative informed me that I can access the portal to view my reports and Information I have paid for my converting my membership to a free membership. She said there is a link at bottom of page. 
Problem is, you must be able to sign on first, So you see whats going on. 

When I first signed up for Experian 's credit works, there is nothing in the contract which informs me that I will not have access to my paid products once I cancel. 

Experian has it set up where you must pay first before being able to log in. In essence Experian confiscates the credit reports I have paid for to force me to continually paying. Sounds like a serious issue here. 
Experian will likely try to claim that if I call the membership support number, they can provide me with a way to re-establish the free service or a way to access the portal. However, that is NOT reasonable for anyone if they continually have OVER A 1 HOUR wait. They don't even offer a call back option.
Product: Mortgage

I am contacting your office to file a complaint against Lakeview Loan Servicing. They have taken over my FHA mortgage loan from XXXX XXXX and have been difficult to deal with. Our family went through some hardship and temporary loss of income and missed some payments on our FHA loan and have been trying to fix the problem with Lakeview. The issue is that we keep getting transferred from one person to another at Lakeview and they have failed after several months of trying to open any type of review of our information for a workout. I know that there are supposed to be several different programs available for homeowners who are struggling with FHA loans, but Lakeview Loan Servicing is not giving us a chance to be considered for any of these programs. Instead they are difficult to communicate with and seem more interested in pursuing foreclosure than in trying to work with me to fix this problem. <P/>I live in this property with my husband and son and daughter in law and their XXXX children. I was able to buy this property and qualify using my monthly income from my position as a XXXX XXXX, but the plan was for my son and his family to contribute towards the monthly household bills in order to make things work. Unfortunately, not long after we closed the deal my daughter in law lost her job. I held things together for a few months but soon was in a position where I would default on this loan with XXXX. I contacted XXXX and was put into a trial plan and I began making these payments with the expectation that my daughter in law would find work but she did not and I was not able to fulfill the trail modification payments. As a result I was kicked out of the offer. <P/>A few months later our financial situation changed and improved and we began trying to get XXXX to work with us. We then found out that our loan had been transferred to Lakeview Loan Servicing. I  began trying to contact them in order to make this situation right. I was told that they would not accept my regular mortgage payment, and that the only thing I could do was to repay all the late payments and attorney fees and late fees all at once. This was not possible. <P/>Their agents told me they would open a review of our case, but then our point of contact kept getting changed and it seemed that we were constantly getting the runaround. We could not make any progress and I dont think a review of the current and correct financial information was ever conducted. As a result, we are now falling into foreclosure. <P/>I dont know why Lakeview Loan Servicing is denying me access to these FHA programs. Why is my family not being reviewed for a partial claim, forbearance agreement, repayment plan, restructured loan or another modification? I dont understand why I cant even get a straight answer out of their loss mitigation department.
Product: Debt collection

XXXX-2015 {$150.00} no contact signed do no owe debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently made aware by a business I was attempting to open an account with that equifax has a fraud alert placed on my credit report. I have never requested from equifax. I have contacted them several times in an attempt to remove any all alerts that they have placed on my report. As of the writing of this complaint, they have yet to take any action to remove these fraud alert and freezes from my report. This has been a problem with this agency only for over 2 years.
Product: Credit card or prepaid card

I received damaged makeup and I am willing to return the items, but the company it was purchased from is not responding to my emails. I have contacted both apple/goldman sachs and they have closed my dispute with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 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

I had an old Sears credit card - they were bought by Citibank before the stores went out of business. There was a charge made for under {$20.00} that I don't remember making but I never received a bill. When I finally got a notice I paid the bill. Then the same thing happened again. It seems Citibank was tacking on late fees to a {$10.00} account balance after I thought I paid in full according to the bill I received. Finally I just paid the full amount and called to have the account closed. 

I have perfect credit and this was a case of not receiving notification of the bill for several months. I honestly don't even remember the charge. I think there has to be some responsibility shared by the creditor in not communicating the charges with me on a bill for under {$20.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD auto finance is reporting a commercial account to my personal credit report, I dont have a personal liability on this account but they are reporting it to my personal credit. I am requesting to remove this account from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian, XXXX XXXX XXXX XXXX report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! 

XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. 

PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 usc 1681a 2 Ai and this constitutes to inaccurate reporting.

Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. 

DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have these file 's that I don't recognize except one. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The only one that I need help paying off for credit card debt is : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on my credit report XXXX XXXXXXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being Equifax XXXX and XXXX. first off Equifax doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong Equifax has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered an auto loan account in my XXXX credit report being handled by SAFCO ( XX/XX/XXXX ). I called SAFCO ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with XXXX ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and SAFCO reported that the account did in fact belong to me. Again, I called SAFCO and they are not able to find an account number associated with my personal information. I then called XXXX ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. XXXX acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since SAFCO asserted the information belonged to me. SAFCO is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through XXXX and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on SAFCO and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.