23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I logged into my Chase account on XX/XX/XXXX, and found that XXXX of my XXXX credit card accounts with them had been closed without my knowledge. I didn't take any action to close either account, so I called customer service to understand what had happened. 

Over the course of conversations with XXXX different customer service representatives, I was informed that the accounts were closed due to " bank policy '' but I wasn't given any additional information, and I was told there was no recourse and that the accounts could not be reopened and that they would not be able to do or say anything else. 

The final customer service representative that I spoke to was unbelievably rude, she accused me of " making things up '' and not knowing the terms of my contract with the bank which stated that they could close my accounts at any time without notice, and they didn't owe me any explanation. She was cold and mean and raised her voice at me a several times. It was humiliating and frustrating and just downright terrible. 

I did not do or say anything to have these accounts closed, I have paid all of my accounts on time literally every single month I've had them open, and I never, ever carry a balance. I've been with Chase for 10 years, but was let go without any explanation, notice, or care. As a result of this happening, I've lost XXXX of my primary credit cards, and these closures will both go on my credit history. I was advised that if I try to reapply to get these cards back, it is unlikely I will be approved again, due to the account closures, even though the account closures had nothing to do with me as a customer or my candidacy to qualify for a credit card.
Product: Credit card

Long time Capital One Customer. XXXX credit on my personal venture card. Opened a new Spark card with XXXX credit. Before the Spark card arrived Cap One froze my accounts, both of them. Capital One was now requiring some documents for ID and income verification. No Problem ... ... One item they required was your social security card copy. I don't have it with me as I am traveling abroad. It is in a storage center in XXXX XXXX. 

I requested a replacement card from Social Security the day the notice arrived but that takes XXXX weeks ( on a good day ). So I searched the Social Security site and they say you do not need an actual card to prove your number. There are a variety of acceptable documents including a XXXX or XXXX from a bank. 

So I sent along with the other documents a copy of one of my XXXX statement from 2023 that showed my complete SS #. 

They will not accept anything except the blue and red card. XXXX or XXXX conversations with everyone from customer service that could not even see my account since it was fraud frozen to the fraud depart and XXXX different managers on XXXX different calls. They all said the same thing. Its the blue and red card or nothing. 

So the spark card can not be used, but my personal Venture card works just fine, except I can not log into my account via the web or app. I think that Capital One is being unreasonable in their in flexibility to not accept proof by alternate accepted documents. 

For a customer that has been with Cap One for a long time with a high credit limit and a perfect credit record, I feel like I am being treated as worthless or like someone that is trying to scam the system. 

Hoping for some help with this matter.
Product: Debt collection

On XX/XX/XXXX I noticed on my XXXX account that there is a debt collection account opened against my name. The claiming creditor is XXXX and the debt collection company is creditmanagementonline.com. The claimed amount is {$180.00}. Shocked by the claim as I had closed XXXX account on XX/XX/XXXX this year with {$0.00} balance and no equipment of company in my custody, I rushed to call the collection company. Provided them supporting documents for the payments I have made. Confirmed I never received any bill ( I had subscribed to email billing and online payment system! ) and requested the collection company to either produce satisfactory bills or remove this from my account. Until today I have not heard anything from collection company. I have also disputed this on XXXX.
Below is summary of payment and the closed account : 1 ) I opened account with XXXX XXXX XXXX activating it on XX/XX/XXXX. Paid {$88.00} which includes the first month 's advance payment and other amounts 2 ) Returned back XXXX 's wifi modem within the first month and they removed monthly $ XXXX charges from my monthly payment 3 ) My monthly payment was $ XXXX and increased to $ XXXX for the last month ( XX/XX/XXXX-XX/XX/XXXX ) when I switched to XXXX. Confirmed over phone with XXXX rep that I owe {$0.00}. And for me this was end of it.
4 ) XXXX  never sent me email for any other owed amount ( which was method of my billing ). XXXX never sent me invoice though they kept sending me promotional offer to my mailing address. My address never changed.
5 ) The claimed amount does not match anything. I have Credit Card payment track for all the months from XX/XX/XXXX to XX/XX/XXXX. Attaching screenshots of first and last payment as proof.
I feel that XXXX has very unfairly treated me with their claim. They have hurt my credit history with derogatory remark. Up until now, I have not received any written notice from XXXX or Collection company but on my own initiative I am trying to follow up for their mistake and ignorance and therefore filing this complaint.
Thank you in advance!
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed some inquires that I did not authorize. On my transunion report, there were the following inquiries that I did not authorize flagship credit aceptan, and XXXX XXXX XXXX XXXX. This showed it was done on XXXX. On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX again, and XXXX XXXX on XXXX. I did not authorize these. On my XXXX report, I show the following inquires were done on XXXX that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

There are hard pulls and tons of soft pulls that I do not recognize on Experian, XXXX, XXXX asked to delete but still on my report. There are hard pulls as well that I do not recognize also asked to delete and they say it stays for 2 years. I said no because I did not request it by no Company. They refuse to delete.
Product: Money transfer, virtual currency, or money service

I would like a reimbursement for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've sent letters disputing the account listed below over 3 times. I have asked for validation showing that the account belongs to me. I have only received emails stated that the account is accurate but no proof is being showed to me at all. The time the account was created I was XXXX  and XXXX  at another duty station. There is no way the account belongs to me due to I already have 1 light company in my name and I haven't stayed at the address the account is linked to in over 7 years. I have sent in my military orders, and other document showing the credit bureaus that this isn't my account. And if you have proof that its mines please show me.
Product: Credit card or prepaid card

Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my account XXXX was charged off to attached this debt to be taxes as part of my gross as I was suppose to by law. I asked this company if they did so they did not. I have ask this company if they reported this information because I am liable for this debt they did not please hold this company liable because there breaking the law. This is a repeating issues and now I have seek legal advise because this is affecting my life.
Product: Mortgage

My current adjustable mortgage was about to become variable. NationStar called to refinance into a fixed rate note. I was introduced to a XXXX speaking translator. I was told that I did not have to make the XXXX Payment because the payment would be made through the payoff. I had not refinanced before and did as instructed. The end of the month approached and I began to panic, I was told not to worry. Tuesday the XXXX I receive a call telling me that I must urgently make my XXXX payment. By the time I got off work to make a payment it rolled over to the XXXX of XXXX causing a 30 day late. I have had this loan for 10 years and " never '' made a late payment. This fact is reflected on my credit report. As it turned out, NationStar did not complete the refinance and I am unable to refinance with another mortgage company for up to 1 year due to the XXXX late payment. I have repeatedly called NationStar, spoke to various managers and no one is willing to take any responsibility and will not remove the late payment. XXXX is not my first language and considered broken XXXX. I feel foolish and misguided. I was willing and able to make the XXXX payment, why would I be instructed not to. I asked repeatedly if this could harm me, I was told the refinance would include the XXXX payment. I relied on the expertise of the person representing my best interest in a financial transaction. They should have never advised me to not make my payment. This not only harmed my credit but severely impacted my ability to refinance out of an adjustable rate mortgage. This is wrong!
Product: Debt collection

I have had 2 types of medical insurance for the past 10 years. I pay my agreed to co payments on time and at the time of service. Currently I have a collection for XXXX dollars on my credit report that is for un-paid co payments that I did pay in XXXX. 

CREDIT BUREAU SYSTEMS - Last reported XX/XX/XXXX {$60.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Product: Credit reporting or other personal consumer reports

I am submitting this report due to information that should not be on my credit report. Equifax verified there was an error in their system that caused my personal information to be leaked and used. I have been denied and need this to be rectified and completed within XXXX business days.
Product: Credit reporting or other personal consumer reports

Despite so many requests by mail to TransUnion I still have discrepancies regarding my personal details that need immediate correction. 
The correct personal information listed on my credit report does not match where I currently reside, and I have been requesting that the following mirror my : Driver License and Passport as proof of identity. In XXXX I reported this issue to the FTC AND CFPB, again still no change so I would like to know why it is so hard? In accordance with the Fair Credit Reporting Act ( FCRA ), I request an immediate correction of this inaccuracy. Attached is the past reporting to the FTC
Product: Vehicle loan or lease

Carvana took money twice out of my bank for a car loan in error. I was overdrawn because of it and charged fees.
Product: Credit card

My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.
Product: Payday loan, title loan, or personal loan

I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
Product: Debt collection

they keep calling me at work, I have told them not to, they do not leave a message
Product: Debt collection

2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. 

The phone numbers that called are the following XXXX XXXX A XXXX  search points to the following website XXXX XXXX XXXX
Product: Checking or savings account

I am submitting this complaint regarding Navy Federal Credit Union 's handling of my accounts. I believe their actions and lack of communication have caused unnecessary hardship and violated customer trust. 

On XX/XX/year>, I made two transfers from my Navy Federal checking account to my external XXXX  account, which is linked to my Navy Federal account and is in my name. The transfer amounts were {$1900.00} and {$1500.00}. I logged into my Navy Federal account using Multi-Factor Authentication ( MFA ), which included a push notification to my phone to verify my identity. The transfers were initiated successfully without any notification of potential issues.

Shortly after the transfers, Navy Federal froze all my accounts, including my checking, credit card statements, and Certificate of Deposit ( CD ) accounts. I received no notificationneither by email nor phonethat this action was taken. From XX/XX/XXXX to XX/XX/XXXX, I was unable to log in to my account or access my funds, leaving me in financial limbo. 

On XX/XX/year>, upon the reopening of Navy Federals offices, I contacted customer service to resolve the login issue. I was informed for the first time that my accounts had been frozen due to suspected fraud. The representative acknowledged that the transfers were made after I authenticated using MFA and that the destination account was my own XXXX account, which Navy Federal is aware belongs to me. During this conversation, I spoke with a fraud supervisor named XXXX, who exhibited unprofessional behavior by laughing at my situation. This added to my frustration and feelings of being dismissed.

Navy Federals lack of notification before or immediately after freezing my accounts left me without access to my funds or credit during a critical time. Freezing all accounts, including unrelated credit card and CD accounts, appears disproportionate given the circumstances of the transfer. Furthermore, the conduct of their fraud supervisor, who laughed at my concerns, was highly inappropriate and unprofessional. The inability to access my funds caused significant inconvenience and stress. Navy Federals handling of this situation raises questions about their commitment to customer care and transparency.

I respectfully request an explanation from Navy Federal regarding why my accounts were frozen without notification, despite the transfer being legitimate and made after proper authentication. Additionally, I request a review of their procedures to ensure customers are promptly notified in similar situations. An apology for the unprofessional conduct of their representative is warranted, as is assurance that measures will be implemented to prevent such incidents in the future.

I believe this matter warrants your attention, as Navy Federals actions appear to lack proper communication and fairness, causing undue hardship to me as a consumer. I trust the CFPB will review this issue and take appropriate action.

Thank you for your assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do.
Product: Debt collection

Portfolio recovery calls me every day least three times a day from different numbers I do owe them about {$2000.00}! I am currently not able to pay it because Im not allowed to work due to health reasons and I have told them this but they still call and I send the paperwork that they asked me out for back and they sent me the same paperwork again and still call
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 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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: Debt collection

This company was informed that I have no knowledge of this account. The company failed to validate the account. Company was notified immediately. They failed to do so and began to report on my credit causing a negative rating. They also put the wrong date on the letter that they sent. They have XX/XX/2020 as the date of initial contact which is a lie. I just received this letter. This company is doing illegal activity. Multiple violations of the FDCPA AND FCRA.
Product: Debt collection

National Credit Systems is refusing to remove a debt of {$180.00} from my credit report. 

They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error. 

However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report. 

Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PERSOLVE , LLC XXXX Balance {$10000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.