23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX my ex girlfriend sister XXXX XXXX took the authorized users credit card that was in my my wallet. She went and made a purchase at XXXX for {$1300.00} and then went to XXXX XXXX XXXX and made a purchase of {$250.00} dollars. I called Citi financial and they credited the chareges. On XXXX XXXX XXXX XXXX called Citi and said the charges are vaild. I dont know how she or even XXXX should have been able to access the account as neither had the new credit card number and I placed a new password on the account. I called Citi and explained the situation. The investigator said she would talk to her manager. She did call me back and left a message saying they were n't going to do anything, When I called back the reps I spoke to refused to transfer me to the investigation department. The reps also refused to tell me how someone could access my account without the password. When I added the password Citi assured me no one could access my account or make changes without that password. Citi refused to allow me to hear the calls of the XXXX or Sister saying these charges are valid I have an email from the authorized user telling me that she did not give permission to her sister to use the credit card. The email also states that she is sorry her sister did this. I also have text messages from the authorized user saying the same thing. I have also filed a police report. I gave Citi all of this info and they still refused to handle these charges that were unauthorized as fraud. Citi even told me they couldnt confirm who it was who called in and said those charges were valid. That is why I asked to hear the call and they have refused. Citi put these charges back on my account and has refused to investigate further. I now have {$1500.00} in charges placed back on my account that are fraud and unauthorized by me and the XXXX. Citi has failed to protect my account and follow the card agreement by releasing info to third party and making changes on my account by a third party. THey also violated the user agreement by not handling these XXXX charges totaling {$1500.00} as fraud.
Product: Credit card or prepaid card

Hello I have two late payments on my account which is not true I contacted capital one many times and they keep updating the same incorrect late payment from XX/XX/2017 a 30 day late payment and a 60 day late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft. I reported to FTC. I got my credit union report from TransUnion. 

my employment is wrong. 
XXXX XXXX XXXX XXXX verified XX/XX/XXXX was wrong. 
I am a XXXX in XXXX. Florida since XXXX, XXXX. 

There are 4 unrelated phone numbers in the report. 

XXXX XXXX XXXX yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Debt collection

In XXXX, I was transferred to XXXX XXXX Hospital in XXXX, MS from another hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX insurance at the time. I gave all my insurance information. My insurance was filed, and XXXX paid XXXX XXXX. Later XXXX resended the payment stating out of network. When it is an emergency XXXX, I was told you couldnt do that. Fast forward. XXXX XXXX sent bills to an old address. I was not notified of this until XXXX. I was notified by Advanced Recovery Systems in XXXX, MS. XXXX was the man who called. He stated that I had received a check from XXXX for XXXX. I stated to him I didnt know what he was referring to I had not received any check from XXXX . He was very ugly, and hung up. Fast forward to XX/XX/XXXX. While at work, I was served a garnishment in the amount XXXX. It was served by XXXX Law Firm in XXXX, MS. Advanced Recovery Collections had turned it over. I called Advanced REcovery, and spoke with XXXX. He stated to me that by law XXXX XXXX had to write the balance off since it was an emergency XXXX. He stated to me that he would accept the write off, but I needed to pay them XXXX  in fees. He stated that if I could not pay off the XXXX  in full the garnishment would be for the full amount of XXXX  even the XXXX XXXX that has been written off. I have been having my check deducted since XX/XX/XXXX. I have paid XXXX to them. I do not believe this is legal. Please help!
Product: Debt collection

I recently contacted Midland Credit to dispute the credit. I noticed that their information has been removed from my credit. I finally received a notice from them in the mail but when I call to set up payment arrangements or pay off, I can't. One agent said that I will have to call back. When I did call back the agent said that they couldn't access my account. I tried the chat and the agent said they couldn't access my account. I tried setting up a new account... all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that is being reported on my Experian report dated XX/XX/XXXX. I sent the bankruptcy court a letter on XX/XX/XXXX to verify and confirm that this was accurately reported by the bankruptcy court to the credit bureau. Their response was in bold red letters that " the bankruptcy courts do not provide information to the credit reporting agencies ''. thus making this an innacurate reporting of information since it shows the source is the US bankruptcy Court and contains all of their information. I then sent the Credit bureau the copy of the letter on XX/XX/XXXX at XXXX XXXX the court clerk sent me along with a letter asking them to please remove the in-correct items from my credit report. They reopened an investigation and completed it today XX/XX/XXXX and still have not removed this inaccurate information off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card or prepaid card

Chase Bank unilaterally decided to change my Freedom Unlimited Visa Platinum card to a Freedom Unlimited Visa Signature card. They claimed this is an upgrade, but none of my card features have changed OTHER than the inconvenience of having to notify all merchants that automatically bill my card with the new end date and CVV. I made multiple efforts to request that I be able to maintain the use of my current card but Chase refuses to honor my request. What is infuriating is that Chase continues to accept applications for the Freedom Unlimited Visa Platinum card, but ignores my requests to allow me to continue to use my current card. Clearly Chase does not care about customer service. I suspect something is not right with Chase 's actions and am inclined to believe someone within Chase has engaged in shady dealings that has prompted a so-called " upgrade '' that is nothing more than a gross inconvenience for me. I have no viable options -- if a close my card account that will harm my credit score and if I request a new Visa Platinum card I'm in the same boat as I am with the new card " upgrade '' that I did not request. Plus, a new card request will negatively impact my credit score. Chase is up to NO GOOD.
Product: Credit card or prepaid card

I opened a credit card with  Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!
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 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. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Checking or savings account

I deposited a {$1000.00} check into a business bank account with Frost bank on XX/XX/2023 and they locked me out of my account because they think the check is fraud. The check came from my job. It is not fraud I have proof. It is now XX/XX/2023 and I am facing eviction because of this. The bank is telling me they are going to give me a call back and never do. I am worried and concerned. I dont think they are planning on giving my money back.
Product: Mortgage

On XX/XX/2021 we applied for a refinance on an investment property. By XXXX of XXXX  we were still waiting for the refinance to be processed. On Monday XX/XX/2021 the bank reach out by email and confirm that the loan is clear to close and that someone should reach out to setup and date and time to sign the documents. Also, the email response mentioned that " You will want to both sign your closing disclosure in the E-Portal once it is uploaded. '' This document was never made available on their portal so we did reach out and asked how much money do we need to have available at closing. The response was they the did know exactly what was the mortgage payoff amount and " the processor advised they need to do a final soft pull to finalize your loan on your credit ''. I should mention that at this point in time this was the 3rd or 4th time when the bank had to run a credit check since XX/XX/2021. The bank was not able to provide a clear explanation about the documentation necessary and what was missing or not although the payoff amount statement was provided twice. The closing was canceled and at this point we have no clear reason why is that.
Product: Student loan

On XXXX XXXX XXXX I made my final ( XXXX ) payment to be eligible for XXXX XXXX XXXX XXXX. XXXX of my XXXX loans was XXXX promptly after submitting my final XXXX XXXX XXXX ( XXXX ) and XXXX  application. The remaining loan remained in forbearance over the summer. 

On XX/XX/year>, I received a letter from the Department of Education ( attached ) indicating that my remaining loan was eligible for discharge and that MOHELA would respond within XXXX business days. I never received a response from MOHELA to that effect, and my loan balance remains on MOHELA 's website. 

Prior contact with MOHELA ( in XXXX ) and with the FSA Ombuds ( in XXXX and XXXX ) has been unsuccessful in getting this loan XXXX. In the meantime, this loan that I no longer owe remains on my credit report and I am concerned that in the future, I XXXX be asked to resume payments on it despite fulfilling all of the requirements for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure my private information, and hackers now have access to ALL of it ( name, social security number, birth date, addresses, driver 's license number, and credit card numbers ).
Product: Debt collection

On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from XXXX XXXX and they were calling about a Debt with PayPal credit. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from PayPal and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from XXXX XXXX.
Product: Payday loan

This company has illegally shared information about my payday loan without my written consent to my significant other and to my minor brother.
Product: Checking or savings account

Chase has exceeded the dispute timeframe for fraudulent activity. 

Check # XXXX for a total of {$55000.00} was fraudulently deposited into a XXXX XXXX ATM. XXXX XXXX held the check and placed a stop payment on it. I opened claim # XXXX on XX/XX/22. I have made numerous attempts to resolve this with Chase. I have filed XXXX  claims with XXXX Bank, and they informed me they sent payment on XX/XX/22. Chase confirmed that the address provided was indeed to the fraud claims department, but they did not receive payment. Chase also claims they have had no response from XXXX XXXX  despite XXXX XXXX  documenting Chase provided information to them to process return payment and XXXX XXXX  has been very responsive in correspondence with me. Chase owes me {$55000.00} after releasing the funds to XXXX XXXX when the check never cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DISCOVERBANK XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

A. I made payment arrangements with XXXX after a visit to the hospital that cost me {$660.00}. After making XXXX payments of {$37.00}, XXXX was not listing all my payments in their balance and stated I was behind. I requested an activity statement on more than ( XXXX ) occasion and none was provided. They sent my account to collections while in dispute for {$360.00}. I owed {$290.00}. 
B. They sent the account over to a collection agency that is affiliated with XXXX and began to add excessive fees and costs. They never attempted to reconcile the account even after I spoke to a collection agent on the phone and told them of my dispute. 
c. They have sent the account to XXXX XXXX XXXX XXXX in the amount of {$800.00} plus dollars according to the credit reporting. I have never received anything in writing from XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

After an hour on the phone with Comenity, who manages Ann Taylor XXXX  XXXX, it turns out there was a system upgrade which resulted in omission of a XXXX statement. This led to all customers having A LATE FEE assigned to them in the XXXX statement. Billing cycle closes on XXXX of the month and any charge after XXXX shouldve appeared on a XXXX statement if there had actually been one issued. The company had no explanation, no offer of how they were, if at all, going to mitigate this issue for customers. It took me insisting on speaking to a supervisor to get the late fee removed from my account as the first person didnt have authority to do this. I have never missed a payment in FULL in my life and this excuse of theirs is inexcusable and I am filing a complaint with CFPB.gov especially on behalf of the countless others who may not be aware or able to advocate for themselves.

I wouldnt have even noticed this if I hadnt dug in because I automatically pay my credit card bills whenever they come into my checking account but obviously XXXX was nonexistent which led to XXXX problem. Supposedly this is not yet reported to credit bureaus but Im upset over the principle of the matter and the companys cavalier attitude. That is certainly no way to operate a business no less one that involves ones finances! 

Bottom line is the late fee is not my fault but company error for which they have NO PLAN to rectify. Theyve credited me the late fee and interest but theres no way of knowing whether this will impact my credit score nor should it even get to that point.

Be aware. Comenity Bank clearly does not have any plans in place to protect their customers. They have no accountability and I do not trust them.
Product: Debt collection

I spoke with a woman named XXXX on XX/XX/22 and told her DO NOT call my phone anymore, they keep continuously calling from different numbers. they are harassing me over a debt from 15 years ago that i do not owe them. it is embarrassing and causing me mental stress.
Product: Credit reporting or other personal consumer reports

I have been reaching out to Transunion consistently with written disputes about several Fraudulent accounts that continue to appear on my Transunion Consumer Report. Transunion ignores my disputes or rubber stamps them as VERIFIED. I have Police Reports attached with other evidence that supports my claims. Transunion is violating my federally protective rights and is breaking the law by continuing to allow these accounts & inquiries to remain on my consumer report. In response to Transunions Negligence, I have filed a civil suit against Transunion in the Federal Court System Case No. XXXX XXXX XXXX. 
These are the 4 Accounts that have been fraudulently added to my Transunion Consumer report : 1 ) XXXX XXXX XXXX {$3700.00} 2 ) XXXX {$0.00} 3 ) XXXX XXXX {$5700.00} 4 ) XXXX XXXX XXXX XXXX {$6700.00} 3 & 4 are double counted as the same debt, as XXXX XXXX bought the XXXX XXXX  Debt . 




Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and XXXXoan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full