23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover will not let me use the $ XXXX credit line that I have because they said I have a few disputes open that are pending. They are suspecting fraudulent activity on my card, but I have called in and verified twice that everything is okay on my end. 

They are stating that since I have open disputes ( which is allowed under finance laws ) I am not allowed to use my credit since it would put me over my total credit limit. How is that legally allowed? That credit amount from the disputes has been temporarily suspended from my account as it should be but I can't actually use the credit amount that is available. How is that legal? They are taking one side of the finance laws and then not allowing me to use my own card. That dispute credit is not for Discovers to take at their own will and decide I can not spend it. Where are the regulators stopping DiscoveXXXX from abusing this loophole??
Product: Mortgage

My complaint is with Capital One 360. I had a primary mortgage as well as a HELOC loan for my property in Ohio. I was recently notified that they sold both loans to two different lenders / servicing companies. Both companies, XXXX and XXXX XXXX XXXX are primarily in the business of debt collections. 

I understand that is it perfectly legal for Capital One to have sold these loans, but I do not appreciate the fact that closing these loans and re-opening them under a different account has caused my credit score to plummet. I also do not appreciate the fact that I now am treated like a delinquent debtor when I call these collection agencies. Furthermore, whereas I previously had the ability to call one number to discuss my accounts, I now have to manage them across two different organizations. 

I take great care to manage my debts as well as my credit record and I do not think it right for a bank to damage my score, resulting in higher loan costs, in this manner. I also do not think I should treated as a delinquent when I have not had a late payment in 30 years! 

I guess the best way to summarize my complaint is that Capital One sucks ... because they have no concern with regard to the consequences their actions levy upon their customers.
Product: Payday loan, title loan, or personal loan

I bought furniture from Mor furniture in XXXX, WA in XX/XX/2019. I was led to believe that the payment structure was set up so that payment would be complete before interest began to accrue. I was on a 0 % interest program. 

I made every payment on time, never missing one, but the 0 % interest ran out in XXXX or XXXX without me knowing, and I have since been charged {$780.00} in interest and fees on a loan of {$1400.00}. I've been charged 29.99 % XXXX on top of about a dollar per day in other charges that I don't understand. 

I realized what was happening yesterday and called the company to rectify. They're refusing to return any of my fees. 

I immediately paid off the entire loan today. I feel these practices are predatory and I want my money back. As an XXXX XXXX, I want to speak up for I people who don't have the means to communicate this kind of abuse, or afford to pay it off in order to stop the predatory, excessive fees and " interest. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify the account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX XXXX Balance : {$7700.00}.
Product: Credit card

Subject : Complaint Regarding Fraudulent Account Opening and Unprofessional Conduct by Chime Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chime regarding serious issues related to a fraudulent account opened under my name and the company 's subsequent handling of the matter.

Details of the Incident : Fraudulent Account Opening : An account was opened in my name without my knowledge or consent.

I discovered this only when Chime sent me a credit and debit card associated with the account.

My Social Security Number ( SSN ) is frozen with all three major credit reporting bureaus, which should have prevented such an occurrence. It appears Chime failed to perform adequate due diligence during the account opening process. 
Unprofessional Customer Service : When I contacted Chime to address the issue, I was repeatedly connected to offshore representatives whose heavy accents made communication difficult.

These representatives refused to disclose basic information, such as what details were used to open the account or when the account was created, despite it supposedly being my account.

Chime provided my account statements via email in the form of XXXX tables, which struck me as highly unprofessional and unusual.

I was also informed that they could not confirm whether Chime is based in the U.S., citing " security reasons, '' which only added to my concerns.

Inadequate Resolution and Accountability : The representatives repeatedly reassured me that such incidents would not happen again, either to me or my family, yet provided no evidence of improved processes to prevent future fraudulent activities. 
Chime refused to accept responsibility for allowing a fraudulent account to be opened using my frozen SSN.

During one call, a representative even hung up on me instead of continuing to answer my questions about their security failures.

My Concerns : Chimes failure to prevent the fraudulent account opening, combined with their lack of transparency, unprofessional behavior, and refusal to address my concerns, has left me deeply frustrated and concerned about their security practices. Their handling of my case has raised doubts about the legitimacy of their operations.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my account. The removals from a dispute reappeared on my account.
Product: Checking or savings account

On XX/XX/XXXX approximately 200 dollars was stolen off of my DETR unemployment debit card ( Bank of America ). I promptly filed a dispute with BOA .Within a few weeks in mid XXXX I was notified by Bank of America that they were not pursuing the matter any further & they were closing the file. XX/XX/XXXX my card was declined at a merchant & subsequently my card/ funds were frozen Without any explanation from Bank of America ! Every time I would call BOA they would tell me to contact DETR & theres nothing they could or would do about the situation! DETR would tell me speak to BOA. On XX/XX/XXXX I submitted verifying documents drivers license, social security card to DETR & was told they would be forwarded to Bank of America & my card would be unlocked to access my funds, so far As of today XX/XX/XXXX I havent heard anything from BOA! I am beyond frustrated with the slow pace & lack of transparency of this situation. My bills are pilling up & I am struggling to make ends meet. BOA has had more than enough time to rectify this situation! I sincerely hope by filling this complaint I will receive some action on the situation being that my financial situation has grown dire because of negligence by Bank of America!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

XX/XX/XXXX-XX/XX/XXXXI went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the XXXX XXXX in XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as XXXX. I did NOT attend ANY school in XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a federal job. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!
Product: Credit card or prepaid card

I am requesting assistance or information on how to proceed further with my dispute. I have also attached 2 emails that were sent to the bank. I applied for a Credit Card with the bank but did not receive it. I found out via XXXX XXXX that the card was issued and immediately contacted the bank and disputed the charges. I was verbally advised after a few weeks later that everything was fine and I did a Balance Transfer. Last month I went to make my payment and they had put the disputed charges back on my account with no explanation or documentation to advise. I believe they are in violation of the FCBA guidelines. When I called the dispute was closed out and I re-opened it. They have since sent me a statement to pay the total of the disputed charges, have reported the balance of {$7900.00} to the Credit Bureau and has caused a significant drop in my FICO score. 

On XX/XX/20, I received a letter stating the dispute of XXXX was closed and a credit was issued to my account, however that is not true and neither has the amount changed on the Credit Bureau. No one in the dispute department will return my calls and I have not received any correspondence on the new case that was opened. 

I am kindly requesting that you review this matter and if you are not able to assist, can you please provide some guidance as to what can be done.
Product: Credit card or prepaid card

On XX/XX/XXXX, my AAdvantage account number XXXX ( the " AAdvantage Account '' ) was terminated by XXXX XXXX for suspected " fraud, misrepresentation and/or abuse '' of the AAdvantage program. As a result, over XXXX XXXX XXXX miles -- nearly all of which were earned through Citi 's financial products -- were confiscated by XXXX XXXX. A copy of the " AAdvantage Account Suspension '' letter emailed to me by XXXX XXXX Corporate Security is attached herewith as Exhibit A. 

As mentioned, nearly all miles earned on the AAdvantage Account were accrued through my various financial accounts with Citi between the years XXXX and XXXX. A cursory internet search seems to indicate that XXXX XXXX is actively terminating customers who have earned miles through Citi accounts. Therefore, the purpose of this complaint is to request Citi 's assistance through verification of the miles earned from my various Citi accounts. 

Each of the statements attached as Exhibit B document the various promotional bonuses earned through Citi credit cards since XXXX. Each of these accounts were applied for by me, and duly approved by Citi 's credit card division, between XX/XX/XXXX and XX/XX/XXXX. 

While I recognize that promotional credit card offers publicly presented on websites such as Citi.com and XXXX generally limit participation in such offers to once every 24 or 48 months, the statements in Exhibit B reflect fulfillment of non-public direct solicitations without any such limitations as to frequency. With the exception of the accounts ending in XXXX ( personal card ) and XXXX ( business card ) -- which were applied for using offers publicly available on http : //www.citi.com/ -- all other accounts documented in the statements in Exhibit B were applied for using promotional offers received regularly from Citi and/or XXXX XXXX via direct mail or email between the years XXXX and XXXX. A sample of the direct mail offer terms is attached as Exhibit C, which states only that " [ i ] f you are an existing Citi/AAdvantage cardmember you are not eligible for this offer on your existing account ''. In light of this restriction that my existing Citi/AAdvantage credit card account ( s ) were not eligible for the offers, I opened a new Citi/AAdvantage credit card account in response to each such offer. 

Following approval by Citi of each credit card application submitted in response to these offers, I received confirmation of each account approval and the associated offer terms in the form of an " Account Approval Notice '', an example of which is attached herewith as Exhibit D. This Account Approval Notice in Exhibit D, for example, was mailed on XX/XX/XXXX following approval of the account ending in XXXX, and confirms that I would " [ e ] arn XXXX XXXX XXXX AAdvantage bonus miles after spending {$2500.00} in purchases within the first 3 months of account opening ''. Indeed, these miles were duly issued into my account in the statement dated XX/XX/XXXX ( see Exhibit B ) in accordance with the offer terms.
Product: Debt collection

Debt recovery solutions continues to contact me regarding a debt that has been discharged in bankruptcy. The original creditor is XXXX XXXX  and they were notified and then they sold it to XXXX and they were also notified, then DRS and they were notified however they continue to ruin my credit by reporting this debt as money owed with a balance when it should have XXXX XXXX and be included in bankruptcy.
Product: Checking or savings account

On XX/XX/2024, I opened a Truist One Checking account ending in XXXX, which was eligible for a promotion offering {$400.00} after meeting a direct deposit requirement. The email confirmation I received indicated that my account was enrolled in this promotion. However, when I checked the promotion status on XXXX XXXX XXXXtruist.com, I discovered that my account is not enrolled. I have been unable to resolve this issue through customer service. For reference, Ive attached a copy of the email confirmation, which includes the promo code : XXXX.
Product: Checking or savings account

On XX/XX/22, I was victim to a check cashing scam on my bank account. My bank is with US Bank. I immediately tried speaking with someone from US Bank, I've talked to at least 15 people who give me the run around. No one will help with the account. I filed a police report, filed a scam report with the postal service, XXXX  and FTC. US Bank put a hold on my accounts and will not give me access to any of my funds for over 2 weeks. I have not been able to pay any of my bills including rent, cell phone, insurance, credit card bills, buy food, gas, and groceries. My family has had to help me and my two children, on top of which, both of my children having XXXX which has prevented me from working for a week. I've tried meeting and talking to the Branch Manager in XXXX but she would not meet with me. When I finally was able to call and talk to her she stated she could not give me corporate or fraud department number but to call customer service again and try to speak with someone. She stated there was nothing she could do and was no help whatsoever. Someone else stole money and now I am being framed for it and my bank is doing nothing to help my situation or actually investigate the situation. They just closed my account and won't talk to me to get the story or situation or give me my money. I need help because I am innocent and could possibly be evicted, have my phones cut off, and lose everything I have worked for because someone else used me to scam {$1900.00} from the bank. I am completely disgusted with the bank and how much they have blatantly disregarded me the past couple weeks. I just need my account with my paycheck to be released so I can pay my bills. I did not steal any money from the bank and can prove it with no problem. I am a recently divorced single parent of two young children who works full time on XXXX and XXXX XXXX  full time at XXXX XXXX to become a XXXX XXXX XXXX  and I can not afford these issues. It isn't fair that me and my children are the ones suffering for someone else 's theft, fraud and forgery. After talking with the police again about the banks lack of effort in helping with the situation, the detective on the case stated I need to give all the evidence and information to the Attorney General for further help and investigation. The bank force closed my account without proper investigation. I reported the situation to XXXX XXXX XXXX reporter for XXXX XXXX XXXX XXXX and in the process of hiring an attorney.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CERTIFIED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CERTIFIED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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 sufficient funds when. Transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices where are 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 card

I HAVE A CREDIT CARD WITH CAPITAL ONE. THE MONTHLY PAYMENT IS DUE ON THE XXXX OF THE MONTH. ATTACHED IS A COPY OF THIS MONTH 'S BILL. I PAID MY BILL LAST NITE XXXX XXXX AT XXXX. CAPITAL ONE HAS INDICATED THAT MY PAYMENT WAS LATE AND THAT I WILL BE CHARGED {$36.00} AS A LATE PAYMENT FEE. IF MY PAYMENT IS DUE ON THE XXXX AND I PAID ON THE XXXX, WHY AM I BEING CHARGED A LATE FEE. WHEN I CONTATED CAPITAL ONE, THEY SAID IT WAS BECAUSE MY PAYMENT WAS NOT SENT BEFORE XXXX. NOWHERE ON THE STATEMENT DOES IT SAY ANYHING ABOUT THAT. PLEASE HELP.
Product: Credit card

I opened a Sears account a few years ago to reestablish my credit. I received a letter from them dated XXXX/XXXX/15 informing me that they were not renewing my account after the due date. In the letter it states twice in the letter information from my credit report. It states their decision was based on a credit system that assigned a numerical value to various item on your account and credit report. After providing the details with the credit bureau contact info it states, Please note, other than providing information, the reporting agency played no part in or decision, that is not true. I spoke with XXXX today who informed me that the did a soft inquiry on my account to review my credit. During the month of XXXX 2015 I had a XXXX balance. Sears and Citibank bank were not truthful in providing the reason as to why they were not renewing my card. If the credit bureau info was not a factor why was it on the letter twice? My credit history should not have been a determining factor with my Sears account. My history with Sears ONLY should have only been reviewed.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I was reviewing my consumer report when I came across some accounts that were incomplete and not accurate. I sent dispute letters to XXXX credit bureau as well as EXPERIAN credit bureau, I then requested that they look into this inaccurate information that was being reported, for completeness and accuracy. I then received answers form both EXPERIAN and XXXX credit bureaus and noting was done about this matter. 

According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to.

According to 15 USC 1681 i ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation. Enclosed is a list of accounts that are not reporting accurately. XXXX  XXXX Bankruptcy account no : XXXX, Furthermore I am enclosing a letter from the creditor of this account which states that the Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies, also Account XXXX money account no : XXXX XXXX  Please delete these accounts immediately because of violation of 15 USC1681s 2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b )
Product: Debt collection

XXXX  ( ( Quadpay ) a online company with no phone number only chat or email response is taking XXXX dollars every 2 weeks for a item that was never purchased, I put a stop payment on funds, yet they changed amount and still collect from my personal bank account, they have refused to correct this for 30 days now
Product: Mortgage

Had a mortgage from XXXX and wanted to know if I was a part of the class action possibly being harmed by modification without my permission.