23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything?
Product: Credit card or prepaid card

I have Chase XXXX XXXX XXXX card for many years. I have used it to pay for XXXX amounts for several years now. I recently noticed that starting in XX/XX/2022, Chase started charging me {$10.00} for every transaction, even for as small as {$1.00}, made through XXXX. When I called Chase supervisor told me that they classified XXXX as money order in XX/XX/2022 and so they charge a cash advance fee every time XXXX is used. When I told her that I never received any notice about this change she told me that there was no need for it because cash advances are covered in original agreement. When I asked how can you change categorization of a product which starts costing money to consumer without informing them, her answer was that they don't have to inform consumer about anything!
Product: Debt collection

I have sent a debt validation letter for the following accounts : Midland Credit Management XXXX {$500.00} acct # XXXX Midland Credit Management XXXX {$630.00} acct # XXXX XXXX XXXX XXXX XXXX {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX {$1100.00} acct # XXXX XXXX XXXX XXXX XXXX {$730.00} acct # XXXX XXXX XXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$290.00} acct # XXXX XXXX XXXX XXXX {$650.00} acct # XXXX XXXX XXXX XXXX {$3400.00} acct # XXXX XXXX XXXX XXXX {$600.00} acct # XXXX
Product: Credit reporting or other personal consumer reports

I did file for bankruptcy but my home was never a part of it. I contacted XXXX XXXX and they sent me a letter confirming that they had paid the previous loan. it said they were sorry if it had caused me harm. I then sent the letter to Experian to remove and show paid off. I was never late. I just assumed it was taken care of. Only to find the dispute resolved as it was a bankruptcy. I try calling to get a person to talk to and you can't get to a person only a machine that doesn't compute. shortly after I was diagnosed with XXXX so my life turned XXXX down. i am doing better after XXXX. only to find my auto pay bills have a few fraud issue. So was checking my report for errors and saw this was still on there. That is hurting my credit score. I have tried to resolve with no success. Can't afford an Attorney. I am a XXXX XXXX XXXX senior trying to survive. 
Thank you in advance for your help.
Product: Prepaid card

I purchased a {$10.00} Google Play Gift card from a XXXX store on XX/XX/year> and I redeemed the gift card that day. I tried to then use it in the Google Play Store but I received the error message I attached below " your transaction can not be completed '' it will not let me use Google play credit to make any transactions. I tried many things to make it work, cleared the cache on the apps, rebooted my phone and it refuses to work. So you then have to submit the form, after that they say there are 'inconsistencies ' with my account. It does not state what they are or what info they would like me to provide them. So now I have {$10.00} in credit that Google will not let me use.
Product: Credit card or prepaid card

On XX/XX/XXXX I deposited my bill money in netspend. They have blocked my card for third time this month. And now is refusing to unblock. All I am told is call this number and not once have I been called. I have called net spend over 15 times left 4 emails and over 10 voicemails to number they gave me. It's been over 2 days and now they just hang up on me. Netspend is not giving me my money back and isn't unblocking card. It's my money I deposited on there for my Bill 's. I have giving up and will just borrow some money till next oay day because my money is now gone
Product: Credit reporting or other personal consumer reports

Despite two written requests, the unverified items listed below remain on my credit report in violation of federal law. Under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correctXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of any original documentation a consumer contract with my signature on it as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.
Product: Credit reporting or other personal consumer reports

Based on my credit report Discover, XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurately under the 15 U.S. Code 1681i all original creditors must report accurately, I have requested numerous of times proof t no proof has been submitted, also my information was used incorrectly. Also, some of the dates are not consistent on my credit report. Need a copy of original purchase agreement if not requesting that you delete in 15 days or less. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover XXXX XXXXXXXX
Product: Credit card

, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX XXXX , I am writing to reflect on my current situation, as I am presently hospitalized and undergoing treatment, including multiple surgeries. I seek clarification regarding the resolution of my account issues. I did not intend to establish a PayPal credit account ; rather, I was persuaded to do so, and it has since led to numerous complications, including ongoing instances of fraud. My email and bank accounts have been tampered with repeatedly.

I have taken the necessary steps to eliminate all associated personal information to prevent further unauthorized access while I address the issues related to identity theft.

The balance on the PayPal credit account, currently reflected as {$1200.00}, is not mine and requires immediate removal. I respectfully request the closure of this account. Furthermore, I wish to retain access to my original PayPal account, which I have maintained for several years without prior difficulties. I appreciate your attention to this matter. I have submitted multiple dispute letters as instructed, and it has now been well over 30 days without resolution. It is imperative that this issue is addressed and updated without further delay, as the current situation appears inequitable. Thank you for your cooperation.

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/year> XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Subject : Fraudulent Activity on PayPal Credit Account Subject : Report of Fraudulent Activity on PayPal Credit Account To Whom It May Concern , I am writing to report multiple instances of fraudulent activities on my PayPal credit account. Despite my prior request to discontinue the PayPal credit feature while retaining my regular PayPal account, the issue persists. 

Due to health concerns and recent medical treatment, I am unable to communicate via telephone, so I am resorting to email for assistance. I have received notifications of unauthorized alterations to my account and have provided the details of these unauthorized transactions below.

Unauthorized access has been gained to my account, resulting in alterations to addresses and unauthorized use of my bank accounts, gift cards, and bank cards through PayPal credit. I urgently request the closure of the PayPal credit account to prevent further unauthorized activities.

I appreciate your prompt attention to this pressing matter and anticipate a swift resolution. While I was previously informed of the account closure, it appears that another account was established and utilized. It seems that an individual is tampering with the account details, alternating between addresses and emails to place orders. Kindly close the PayPal credit feature and clear the balance, as this account and balance do not pertain to me.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Early Warning. 
On XXXX XX/XX/XXXX I attempted to setup autopay with XXXX XXXX XXXX but XXXX responded that they were unable to verify the bank account. XXXX provided contact information for Early Warning. 
I snail mailed XXXX a check from that XXXX XXXX checking account, on XXXX XXXX I received an email from XXXX indicating payment receipt. 
On XXXX XXXX I phoned Early Warning attempting to get a copy of whatever information they have/ use as a basis for Early Warning 's response to XXXX. 
During the phone call they wanted me to take a photo of the back of my driver 's license, attempted the process multiple times ( think it was at least XXXX ) - apparently unsuccessful. Also during the phone call the representative asked a number of questions ( presumably Soc Sec number, DOB, etc ) in addition to asking what state I resided in XXXX ( I was a high school sophomore living with my parents in Illinois ) and the representative asked if I knew some names- I think there were XXXX or XXXX names she mentioned, none of the names sounded familiar ( no idea if the surnames were maiden names or married names ). 
On XXXX XXXX ( per Early Warning 's instructions ) I went to a XXXX store to have them fax a copy of my driver 's license, passport, and passport card to Early Warning. On XXXX XXXX Early Warning sent me an email saying they were unable to process the request. 
On XXXX XXXX XXXX sent me an email indicating they have improved their XXXX XXXX system to benefit XXXX XXXX customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and NCB MANAGEMENT SERVICES, INCXXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and NCB says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/17 I sent a bank wire deposit of {$1200.00} and has still not been a credit to my account on coinbase I called the customer service support number no response have been sending emails and keep getting automated emails giving me instructions how to do it and it still does not work I have followed every instruction that they required
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( XXXX, XXXX and Trans Union ) for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I explained the above by way of notarized letters ( attached ) mailed ( certified ) to XXXX, XXXX  and Trans Union on XX/XX/2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.
Product: Credit card or prepaid card

On the morning of XX/XX/2022 I had five alerts from my Citi rewards card of charges I did not make. I immediately called Citibank to report the fraudulent charges and to close the account. I listed each one of the names of the businesses & charges and expected an investigation and to be reimbursed for the five fraudulent charges. Approximately one month later, when I still wasnt reimbursed, I called Citi again and had to again list the five fraudulent charges in detail and was assured it would be resolved. Today, XX/XX/2022 I called to ask where this stands and had to list the XXXX fraudulent charges yet again and was transferred to a security fraud specialist who told me that it was still under investigation?? Citi security/fraud told me they have 90 days to resolve this issue. I have learned I should have received a provisional credit for the amount of charges in question within 10 business days of reporting the fraud according to the law. In the meantime, I have these five fraudulent charges ( totaling close to {$400.00} ) sitting on my credit card accruing interest when I did not make these purchases. I feel I did what I am suppose to do, reported the problem immediately and closed the card immediately. I feel Citi isnt doing what they should do to protect their customer.
Product: Credit card or prepaid card

Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills. 

As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words. 

The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX  language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up. 

I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language. 
2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month. 

If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ).
Product: Student loan

I was awarded the TEACH Grant while obtaining my XXXX in education from XXXX. The grant is worth {$8000.00}. Due to the TEACH Grant people saying they did n't receive the paperwork I filled out, which I have copies of. My grant was converted to a loan, serviced by FedLoan Servicing. I have been trying for XXXX years to get the grant converted back into a loan, but I am always given the same response that if my agreement to serve is not fulfilled, the grant converts to a loan. 
My tax refund has been garnished, and now my wages are being garnished. This is causing financial strain on my family, and stress on my marriage. I am still trying to figure out what the next steps are to have this loan converted back into the grant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX to access my credit ratings. SInce last 4 months, i have not been able to get my credit report due to issue with access to " equifax ''. They directed me to Equifax, who repeatedly state all is fine. But i am still unable to get the report. This is concerning for me as i am likely to purchase a house and will need credit ratings. I cancelled my XXXX subscription and got directed to wrong numbers from Equifax to escalate the issue after several attempts. Now i am finally seeking support from CFPB
Product: Vehicle loan or lease

My son was involved in a car accident in XX/XX/XXXX & vehicle was totaled out from insurance company. XXXX was to pay a portion, gap to pay a portion, and extended warranty to pay a portion. According to the info sent by XXXX to these companies all three were to pay the total amount to pay off the car. I found out later that there was a balance left of {$300.00} plus in which I called XXXX to ask why the balance was left, several times I called & finally told them in XX/XX/XXXX that once I got my taxes back in XXXX I would pay what is owed to keep it from going against my credit even though it was not my fault that the full amount was not paid by insurance, gap & extended warranty. XXXX is who sent info to the companies as to what full balance was to be paid in full. They sent it to my credit in XXXX anyways which made my credit score go down over XXXX points. I ended up paying them the balance in XXXX to pay it off. They have yet to report the amount has been paid in full. Can this be removed from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for Advantage to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.
Product: Mortgage

We began having difficulty paying our mortgage in late XXXX. In XX/XX/XXXX we paid roughly {$7000.00} to bring the account current. We paid the XX/XX/XXXX payment on time. However, we were impacted by COVID19 and both myself and my partner lost our jobs as a result of reduction in work force. We put our house on the market for sale, communicated with the mortage company, and PNC Bank agreed to issue a deferement of the mortgage until XX/XX/XXXX due to COVID19 and the Cares Act. In XX/XX/XXXX we received notice from PNC Bank offering to extend through XX/XX/XXXX. We were finally able to sale and close on the home XX/XX/XXXX. Upon checking my credit file, it was discovered they reported me past due 120 days for XXXX and XX/XX/XXXX. This was during the time we had agreed to extension for COVID19/Cares Act. I am requesting XXXX and XXXX of XXXX rating of 120 days past due be removed. We communicated with PNC Bank throughout our process and they were aware of our cirsumstance.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I spotted unexpected discrepancies. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX