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

I experienced a technical difficulty with linking my new credit card ( Mastercard ) with my existing Victorias Secret Account. When attempting to link the new card to this account, I was asked for identifying information including the card number and the last XXXX digits of my social security number but received an error after submitting this information. The only data regarding my account that I was ever able to view was a XXXX balance that displayed on my home account screen dashboard. 

Because of the difficulty with linking my new card and accessing my true balance information, I was effectively unable to view or make payments on the account. I now understand, from speaking with a support agent, that there is in fact a separate website login for MasterCards that were issued to members. The agent had to manually provide the new address to me, as this was not clearly explained to me anytime before this point. I find this process complicated and cumbersome and believe that I should not be held liable for system inefficiencies leading to my inability to see or pay my balance. 

I would like to request that an AUD be filed to remove the delinquencies that arose from this technical issue. I had hoped to resolve this issue directly with the vendor, but was instructed to submit my request in writing ; again, a cumbersome process for an issue that was not my fault.
Product: Credit card or prepaid card

I am a retired Military Service Member and XXXX Veteran on a fixed income. 6 months ago, I made the decision to become fully retired, including filing for SSA benefits. I contacted all my creditors to close and work out paying off my debts. All of my banking and credit card creditors have made a commitment with me to help me by controlling my payouts and reducing APR 's to fixed and manageable payments on my debts. This has worked great with all my creditors except CapitalOne Visa and CapitalOne Mastercard. I've been trying to work things out with them now for 6 months with no success. Not only has the APR rates have gone up, but also minimum payments have even doubled within these last 6 months. My last conversation today ( XX/XX/2018 ), again ended with a resounding " Can't help you and that is what you agreed to when you opened these two accounts 5 yrs ago. '' I talked to several layers of supposedly Account Management, with the same talking points and denial comments. Your assistance is needed in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I disputed this account several times and XXXX, XXXX and Experian refuse to remove this XXXX XXXX off my credit report. I am attaching a copy of the letter i received from XXXX XXXX stating that this account is fradulent.
Product: Money transfer, virtual currency, or money service

XXXX mistakenly tried to charge my Cashapp card for a order that was lost and refunded. I contacted XXXX and was told that it was a mistake and they would not charge me. A few weeks later I was charged again by XXXX. I contacted XXXX and was told that they did not charge me. They gave me a error code Transaction ID XXXX Status Error Ive contacted cashapp quite a few times to resolve this. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the account as it is fraudulent & was opened without my consent or knowledge... 

XXXX XXXX
Product: Mortgage

My name is  XXXX   XXXX   XXXX   XXXX , and I am a   XXXX   XXXX   XXXX   veteran of the United States  XXXX  pursuant to   XXXX   XXXX   in  XXXX . Sadly I have written you about this very same issue most recently, and it is still not fixed and has become more ludicrous than ever. Today,  XXXX   XXXX     2017, I  received yet more correspondence from the   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama asking for a " fire declaration  page-2nd  notice. ". This agency is sub-contracted by  USAA for  Wind and Hail on my house. This is absurd considering this Monday or Tuesday, I received in the mail from  USAA a co mplete and valid policy from the   XXXX   XXXX   XXXX   XXXX  . So how can they possibly still require anything from me and why are they not going directly though  USAA    XXXX   XXXX   XXXX  ? This makes the 7th correspondence I have received from the   XXXX   XXXX   XXXX   XXXX   since  XXXX   XXXX   2017.  I have contacted  USAA cou ntless times about this to no avail. I contacted them again today and spoke to a  XXXX . I told  XXXX ,  USAA had     XXXX   options, get this fixed once and for all by Fri day ( whi ch I have no hope of occurring ) ; foreclose my mortgage as I really no longer care, and third I was going to write your organization again. This is sheer harassment plain and simple. Furthermore, it is odd I have had issues with  one  of the biggest players in Insurance, the Probate Judge of  XXXX  County Alabama  XXXX   XXXX , who has no formal legal training, and was the  XXXX  of  XXXX  for  12-years unt il had to step down for dubious reasons. Furthermore,  XXXX   XXXX  has ties to former  XXXX   XXXX   XXXX , who utilized law enforcement and other agencies to intimated citizens of Alabama. This letter from   XXXX   XXXX   XXXX   XXXX   was signed by a  XXXX   XXXX   XXXX , and did not include form they wanted me to sign. Furthermore, there are over   XXXX   veterans in this area.  XXXX   XXXX  is a veteran and  USAA is a  veteran/service member bank. I do not know if there is any connection betwee n USAA,   leadership,  XXXX   XXXX  and  XXXX   XXXX  but given all my issues this should more than likely be explored by the appropriate personnel or government agencies. I have had more issues with  USAA of all di fferent sorts the last  3-4 ye ars than I have had since I joined when I was  XXXX -y ears old and e nlisted in the  XXXX . For reference,  XXXX  and  XXXX   County is one  of the richest cities/ counties in the  State  of Alabama  XXXX  with alot of billionaires and multi-millionaires, which translates to a lot of influence.Thank you for any assistance in a advance.     PS : In my subdivision of   XXXX   XXXX  , most houses survived bot h Hurricane   XXXX  and  XXXX  with minimal damage, so really why the requirement for wind and hail or at least a significant discount?
Product: Credit card or prepaid card

My Costco Citi Card had fraud charges on it. Citi 's fraud algorithm did not catch this which was extremely blatant with XXXX charges worth just under {$10000.00} from the same company happening within 1 week ( XXXX ). Now I have spent over 5 hours trying to have them remove the charges from my statement so that I can pay them the correct amount. They will not do this but also tell me that if I don't pay them, they will hit me with late charges as well as interest. They say it will take 2 months to sort through all the charges and can't help me determine what I am actually supposed to pay. I have had mostly poor reps who do not want to help because it will take too long and it will XXXX up their call center XXXX metrics. I did get one good rep that spent the time with me to try to do the calculations to determine what I owe but even that rep could not do it because Citi does not give them excel to help work on these issues and they do not have systems that can handle situations like this. They also keep telling me that I am liable for these charges until the point that they determine they are frauds ( and insinuating that this is probably not fraud ). I have had credit cards for 35 years and have had fraud before but they always immediately remove them from my account during the investigation stage so that I can know what to pay them. I get the feeling that the company is not prepared for a situation like this and is putting it on me to deal with it while they stall. I have talked to Costco and they seem to not be surprised and gave me this site to report it and it does not sound like the first time they have received complaints from Citi.
Product: Mortgage

My husband and I got behind on our mortgage when my husband had XXXX XXXX. Green Tree sent us notification they were going to foreclose on our home. We finally got the money to catch the payments up and paid it. Thinking we were good we recieved a letter in the mail stating they were taking the necessary steps required by law to gain possession of the creditor 's collateral. It also states they 've sent us a " Notice of Default and right to cure Default '' notice. The notice is still in effect and they will proceed as outlined in the notice unless they receive {$400.00} in late fees. My husband went in person to pay the missed payments and was told we were current. No one said anything about late fees or that they could still foreclose on our home over late fees. They also charge every time you make a payment and with draw money out of our bank account even when we 've not authorized them to do so causing NSF charges at our bank. This company needs to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called LEXIS NEXIS and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please abide by the fora laws
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax XXXX XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, and how are you doing. On XX/XX/XXXX. I tired to Unfreeze my credit report with Equifax online, and I went through a ID verification, and because it was Sunday, i had to wait, for Monday XX/XX/XXXX to call and be verified over the phone. I called On Sunday XX/XX/XXXX and Monday XX/XX/XXXX at XXXX & XXXX & XXXX. I talked to agents, which okay during the phone conversations, and it took a turn, which became rude and was anxious of getting of the phone. I went through the ID verification, and It has been 2 days, which i can not get my credit file unfrozen. This has been an ongoing issue for me, I have unfrozen my credit file, through them, and it turned out to be still frozen, when a creditor, when to pull my credit file. This has become an ongoing Hassle with Equifax on this Security Freeze and the problem is getting worse. I even tried to reset my password, and i mean ain't nothing working at all. i need to get my file unfrozen. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX XXXX {$4100.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$85000.00} XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX BALANCED {$900.00}
Product: Vehicle loan or lease

I CONTACTED THE IRS TO UPTAIN MY 1099. AND THEY SENT ME THIS. VW CREDIT IS COMMENTING FRAUD. WHY MY TOTAL WRITE OFF XXXX. THEY OWN ME A REFUND FOR SAYING I HAD TO PAY THAT AMOUNT ON MY CREDIT FILE. 
( ACCT # XXXX VW CREDIT LLC ). 
THEY ARE VIOLATING MY CONSUMER RIGHTS.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This report stated that the PNC account is 30-59 days past due and that is incorrect
Product: Credit card or prepaid card

I filed a dispute with Chase Shappire credit card for a charge of {$500.00}. I explained to them I never received any service from the merchant and neither did I do a consultation with the doctor. The merchant was XXXX XXXX XXXX and they refused to give a refund stating that, my charge was for a consultation that I never had. Chase stated I'm responsible because the merchant states it is non refundable. This is unacceptable because no services were rendered and Chase should be protecting me as their customer from this type of situation. It should be illegal to charge for a service not rendered and not giving a refund.
Product: Student loan

I notified FedLoan Servicing at the beginning of the administrative forbearance NOT to apply the forbearance to any of my loans. They ignored my request and applied it anyway. I was on an IBR plan with low payments and working towards the 20 year forgiveness mark. I requested several times that the administrative forbearance be removed from all of my loans. They eventually removed it from one of the loans, but not the other two. I made several more requests until they finally removed the administrative forbearance from the other two loans. This failure to do as requested has damaged my progress on the IBR plan and forgiveness date by nearly a year. I began making the requests in XX/XX/XXXX ; FedLoan Servicing did not honor my multiple requests until XX/XX/XXXX.
Product: Consumer Loan

In or about XX/XX/XXXX, I purchased a new XXXX PT Cruiser at a local XXXX Dealer. 
I financed the automobile through XXXX XXXX XXXX. Due to illness, during the life of the loan I made some late payments. However, I always paid the late fees and brought the account up to date. On multiple occasions I sent in XXXX payments at the same time. 
Around XX/XX/XXXX, as I stepped out of my front door I noticed that my automobile had been taken. I immediately called XXXX and asked them if they removed the car from my home. At first XXXX denied having any involvement with the disappearance of my automobile. However, after calling them for a second time they admitted responsibility for the removal of my car. I could not understand the reason for their unlawful actions since all my payments, were up to date. I was not totally surprised since I had read and heard rumors about XXXX unlawful business practices of stealing automobiles from the customers whose cars they financed. I immediately called the police. After explaining the situation to the authorities, they recommended that I hire an attorney. After doing some research on the professional fees involved in hiring an attorney ; I came to the realization that I could not afford XXXX. Most attorneys in the are demanded a retainer of at least {$2000.00}. I called and wrote letters to XXXX demanding the return of my car. However, I never received an answer. 

The " My loan is a ( n ) * directly below does not have an option that fits my complaint. My problem is as described above ; XXXX XXXX XXXX COMPANY STOLE MY XXXX PT CRUISER XX/XX/XXXX AND ALL MY PERSONAL BELONGINGS FROM INSIDE THE CAR FROM THE OUTSIDE OF MY HOME ON OR ABOUT XX/XX/XXXX.
Product: Student loan

This account is not mine. I was apart of a data breach in 2008 with someone using a similar name to take out student loans.
Product: Credit card

FNBO closed the credit card account through the XXXX XXXX XXXX, giving me no viable way to repay the balance, charging invalid interest and fees, unlawfully harming my credit report, and not responding to a single formal dispute over in multiple Email communications ( attached ) Specific legal compliance violations by FNBO to me include : XXXX I signed an XXXX agreement to get digital statements, for which you no longer offer, making it impossible to pay back my balance You switched the payment method from the XXXX  XXXX  to no easy option, with almost no notice and no viable repayment option You did not adequately represent your bank through the XXXX XXXX, I had no idea I was doing business with you this whole time, much like the collapse of XXXX  and XXXX XXXX  and Trust Fair Debt Collection Practices Act You continued harassing me with collection notices despite a valid dispute, and do not reply to any EMails on this matter ( like this one ) You fraudulently placed a missed payment on my credit report, lowering my credit score by over XXXX points, causing over {$10000.00} 's of damages to me by not being able to get a loan and higher interest rates Please note I have paid the principal balance on the credit card in full, my dispute is with any late fees or interest payment due to your Unfair, Deceptive, and Abusive Acts and Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to XXXX  regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with XXXX and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.