23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have two emails both saying that if I brought my card up to current that I would be able to use it again. THAT WAS A LIE. Today after making all the payments I am told my card is been closed off for good. It is illegal to lie to customers and yet they did just that. I want them fined and the use of my card returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  I have sent several notices to change this or update my file but nothing has changed.
Product: Mortgage

Lender not willing to postpone scheduled sheriff sale to allow us to work on a short sale. We currently occupy the property and have a buyer interested in our home
Product: Debt collection

I have tried to resolve this matter over and over with no results XX/XX/2018 XXXX XXXX XXXX {$610.00} XX/XX/2018 XXXX XXXX XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The last day of service with XXXX XXXX, XXXX, and XXXX ( XXXX ) was XX/XX/2021. I gave them a forwarding address and I received a final bill at the new address in which I paid immediately. The next time I heard about them was about XX/XX/XXXX or XXXX from a collection agency. I denied owing the debt and asked them to investigate. In the meantime I logged into my account and saw that the meter was read again on XX/XX/XXXX and another bill was there. This bill was never sent to me or I would have paid it immediately. I paid the bill then and there online. On XX/XX/XXXX I received an alert from Equifax that XXXX had placed a collection on my credit. Again, this was a bill I NEVER even received. On this same day, I received a forwarded collection notice from the collection agency ( a different company ) with a misspelled last name ( XXXX ). XXXX had my new address. I don't understand the misinformation. However, even if they would have sent to the bill to the old address the forwarding was intact. I NEVER received a bill. I called the collection agency back and they stated that they did not place the collection. They had received the collection notice from XXXX on XX/XX/2021 and according to Equifax that was the exact same day they reported the collection to them. I never had a chance to get the bill and pay it. Due to this my credit score dropped a WHOPPING 30 points in the middle of trying to buy a home. I moved from my old home and am having a new one built. I pay close attention to my credit and my bills. In the 9 years that I was at the old house I never had my lights cut off or any issues paying the bill. I feel defeated and treated unfairly. Not only was I not able to speak to XXXX they also updated the account to say " Paid Collection ''. How is it a collection if I was never notified and allowed to pay the bill??
Product: Credit reporting, credit repair services, or other personal consumer reports

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  says when I tried to create an account was fraudulent well I'm me and someone else has used my information to apply I live in XXXX  never lived in any other state and on my credit check says card was applied for in XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am getting multiple stories on the customary fee, I even received an email stating that i am not charged a customary fee, but it's 260 % interest. I need to understand.
Product: Money transfer, virtual currency, or money service

I tried this already and never solved. American Express discriminated me when I tried to apply again my score was XXXX based on the letter American Express sent me Dated XXXX XXXX, 2017. I 'm asking the CFPB for urgent legal assistant because I just received today the new credit score on my  file from XXXX as of today XXXX XXXX, 2017is XXXX fair. from XXXX XXXX is Good, from XXXX XXXX very good. this is the latest Score. Please help. I have proven score that, American Express should issue my credit card now as soon as possible.
Product: Credit card or prepaid card

account was permantley suspend but i have {$60.00} left that i really need now. cant call customer service because its only for existing customers ....
Product: Checking or savings account

XX/XX/XXXX a transfer of {$38000.00} was made from my Chase savings account to my Chase checking account. After that, the below are wire attempts ( XXXX successful ) made from my checking account to other Chase accounts and other banks between XX/XX/XXXX and XX/XX/XXXX. 
{$8000.00} to Chase Rejected {$8000.00} to Chase Rejected {$14000.00} to XXXX XXXX XXXX  - Rejected {$10000.00} to XXXX XXXX - Rejected {$11000.00} to XXXXXXXX XXXX XXXX  {$17000.00} to XXXX XXXX - Completed {$8200.00} to XXXXXXXX XXXX - Completed I received several pop-ups on my phone asking to confirm the wires ; all of which I declined. I received one phone call from Chase and received a pop-up message from the Chase App confirming that I was speaking to an actual Chase representative XXXX 
XXXX XXXX  XXXX rejected the wire because the name did not match that on the account. However, XXXX XXXX and XXXX, were less diligent and let the wire complete. 
Chase has denied my fraud claim and insists I performed these wires even though there is no history of wire transfers from my account. And I have no accounts at XXXX XXXX or XXXX
Product: Credit card or prepaid card

I received an email message that too many log in attempts locked account access. I do NOT have an account at Chime. I have NEVER had or applied for an account at CHIME. When I sent a message to Chime, they could only talk to me if I emailed a copy of my ID and my Social Security number. I told them NO WAY would I provide that information and told them one more time to purge any account information attached to my name and email. The request for more detailed personal information to resolve the problem is the issue. Why would I provide that information to a company where my identity has already been compromised?
Product: Credit card

My Capital One credit card has been placed into " Account Restricted '' status for over a week. Capital one had no good reason for initially putting the account into the status, and has refused to remove it. When I initially called the fraud department to discuss the matter on XXXX/XXXX/2016, the fraud specialist wanted to verify some balance transfers that I requested. We were able to verify that no problem. 

However, that is when the problem started. They wanted to verify two payments I had made from XXXX separate checking accounts on XX/XX/XXXX and XX/XX/XXXX. We had to conference call each credit union to verify that the funds have cleared. For the payment on XX/XX/XXXX, we were able to do that without a problem. Unfortunately, the credit union that I made the payment from on XX/XX/XXXX does not verify information over the phone for account security. They suggested that capital one fax in a request for information and they would respond by fax. Capital One indicated this was not acceptable. Instead, the fraud agent asked me to send in a copy of a recent statement from the checking account. I provided that information to capital one, and called back a few days later. They said that the information was insufficient to remove the restriction and I had to provide transaction details showing that the payment cleared from the checking account. I did that, and capital one said that was not sufficient to remove the restriction. I also provided a letter from the bank indicating that I owned the checking account in question ( the letter had my name, my address, and the checking account number and was signed by a bank officer ). That was also not sufficient to remove the restriction. 

Capital One 's payment verification system is incredibly stupid. Their employees continuously blame me because the credit union wo n't give out information over the phone. At no time prior to the payment being made did Capital One indicate that this type of verification would be needed to accept an ach payment from a checking account. Moreover, they are unwilling to return the payment and let me replace the payment from a different bank that they can verify. In fact, I sent in bill payments while the account has been frozen with the hope that would be sufficient for Capital One. It was not, and there is now a large credit balance on the account. I have never had a payment returned, or been late with a payment on this account. Capital One had no good reason to initially put the account under review. They said something about my protection, which is a complete lie. Mind you, the payment in question was made about 3 weeks ago. The payment has not been returned and Capital One refuses to release the account restriction or tell me what exactly they need to do so. This behavior should be illegal ; as it is unethical for the company to treat me like a criminal despite having no returned payments or late payments on my account.
Product: Student loan

On XX/XX/2023 I received an email from my federal student loan servicer, EdFinancial, informing me that my loans will be transferred to a new student loan servicing system effective XX/XX/2023. The email stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received an email from EdFinancial informing me that there was a delay in the transfer process, and that it would be happening at a later date. On XX/XX/2023 I received an email from EdFinancial stating that my loans would be transferred to the new servicing system effective XX/XX/2023. They again stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received yet another email that there was a delay in the transfer process, and that it would be happening at a later date. There was no specification as to when that would take place. 
The XXXX emergency relief pause will be ending as of XX/XX/2023, when interest will resume on federal student loans. I have been saving money to make a very large ( over {$32000.00} ) lump-sum payment to EdFinancial before interest resumes. Because I am not currently able to access my account, I am not able to make payments. This means, they plan to charge me interest on an account that I can not view, access, or make payments toward -- which is illegal. After calling their customer service number multiple times today ( XX/XX/2023 ) they told me that I can not make payments at this time because my new account is not yet ready, and they refuse to accept my payment over the phone, or in any other capacity. They will not tell me when my account will be ready, and can not guarantee that my account will be accessible to me by XX/XX/XXXX, and yet plan to charge me regardless, despite the fact that I have money I am begging to pay them. A borrower can not refuse to accept payment and then charge interest on the debt they refuse to accept payment for.
Product: Credit card

The Barclay card services XXXX XXXX XXXX XXXX withdrew funds from my checking account via Electronic Funds Transfer with out authorization. When I confronted the Barclay card Services, they stated that someone with IP addresses from XXXX XXXX and XXXX Utah gave permission to do so. I and my band XXXX XXXX filled an investigation into the matter and I was found without fault. I was told to file a stolen identity report with the credit bureau and the police department. I filed the reports with the agencies and then wrote the Barclay card services in regards to the time I spent doing this and asked them for the IP addresses so that I could give them to the police for further investigation. It is in my belief that this is part of the XXXX XXXX indemnification of their customers. I never received a letter in return regarding my Identity thief and believe that this is a form of discrimination and consumer abuse. I have continued to make payment on the credit card, but believe I am entitled to relief for all the time and banking processing that I have suffered do to the security of the Barclay Card Services.
Product: Credit card

-Chase bank cancelled my one month old Marriott Rewards credit card while I 'm abroad and refuses to refund me back the annual membership. 
-In XXXX 2016, I received my new Chase/Marriott Rewards card. 
-The card was continuously being declined and blocked every time I use. 
-Over 20 calls to Chase bank customer service and security department to unblock the card and declare travel notice. 
- I used the card in one purchase only through XXXX and after that it simply kept blocking again in every purchase after. 
-Chase bank suddenly cancelled the card after one month of issue for no obvious reason. 
-Chase bank unprofessionally cancelled the card with no previous warning while I 'm abroad. 
-Chase bank dishonesty refuses to refund me back the {$85.00} annual membership.
Product: Debt or credit management

I'm having trouble with Cash app. in regard to collecting my refunds, credits, and overcharges. 
Not to far in the past I was suppose to receive a credit from XXXX that had just vanished even when I waited 14 days. 7 more days later Cash app. corrected the problem but I felt that if I didn't report it, it would be forgotten money. The entire time I was reporting this to Cash app. they would point the finger at XXXX. 
Then I had a problem with them collecting a refund from XXXX ; Cash app. claimed it was XXXX refusing to send my refund. Of course that was another argument. Now it's XXXX. XXXX gives me all this information to correct this issue and again it's XXXX. And if I didn't do anything about it I think it would be funds floating around in cyberspace { someone else 's pocket? }.
Product: Mortgage

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments 1 ) I requested the servicer to stop any further foreclosure sale per my XXXX XXXX filed in XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX 2 ) I advised the servicer* that I am aware XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST. 
XXXX XXXX 3 ) I had to file ( XXXX XXXXXXXX ) Bankruptcy XXXX XXXX on XX/XX/2024 ( Case # XXXX ) to stop the XX/XX/2024, foreclosure sale. 

XXXX ) I requested the Trustee 's name, full address, city, state, and zip code on my Promissory NOTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  : XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX-Inquiry Date XX/XX/XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX - XXXXXXXX XXXX- Inquiry Date XX/XX/XXXXXXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX -IXXXX XXXX- Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX- Inquiry XXXX XX/XX/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. 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: Credit reporting or other personal consumer reports

As a victim of debt bondage, a severe form of XX/XX/XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping XX/XX/XXXXXX/XX/XXXX Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from tXX/XX/XXXX once an official claim has been submitted. 

XXXXXX/XX/XXXXAccount number # XXXX XXXX XXXXXX/XX/XXXXAccount number # XXXXXX/XX/XXXX XX/XX/XXXX account # XXXXXX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXXXX/XX/XXXXccount # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXXXX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXXaccount # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXXaccount # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT . PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXIN PERSONS OR XXXX XX/XX/XXXX. IF THE CONSUMER HAS PROVIDEDXX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OFXX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

I opened a business account with Chase back in XXXX, with a promotional offer to receive {$300.00} once I made five qualifying transactions. ACH transfers were listed as a qualifying transaction. I made sure to do 10 ACH transfers to an external account so the bonus would trigger. I did not receive the bonus and through secure messages with online banking Chase told me that because I initiated the transfers from Chase 's online account management, they are coded in the system as " external transfers '', not ACH transfers. However, these should be qualifying transactions according to the terms of the promotion since they are in fact ACH transfersthis is the way external transfers work, and this is in fact reflected in the statements from my other financial institution ( attached transaction list from XXXX ), which lists credits and debits to and from chase as ACH transfers. Since the transactions I did were in fact ACH transfers, they should've satisfied the terms of the promotion which were disclosed on account opening ( attached ). I've attached the correspondence I've had with Chase so far regarding this issue.
Product: Debt collection

I had a loan with Loan me, i have consolidated my debt with XXXX XXXX, I am a client and they are taking care of mu outstanding debt. I have spoken to the company 2 different times, telling them that I have gone with debt consolidation to take care of the debt owed. 
Today, XXXX from XXXX XXXX called, my ex husband, all of my XXXX  of my children, I don't know how in the world they got their phone numbers/saying they had filed a civil law suit on me. Then when I called him back, he tried to deny saying he had left the civil lawsuit with my ex husband. Totally unacceptable, my debt consolidation is not the concern of my ex husband or my children. He also called on of my friends with the same message. 
This is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Notice of Violation of 15 U.S. Code 1681c2 and 15 U.S. Code 1681n I am writing to inform you about a serious matter regarding my credit report that requires your immediate attention. It has come to my attention that my credit report contains inaccurate and fraudulent information as a result of identity theft, which is a direct violation of the regulations set forth in 15 U.S. Code 1681c2.

According to the provisions of 15 U.S. Code 1681c2, any credit reporting agency is required to block information resulting from identity theft from being reported on a consumer 's credit report. Identity theft is a crime that I unfortunately fell victim to, and as a result, certain fraudulent accounts and inaccurate information have been listed on my credit report maintained by your agency. 

I have taken the necessary steps to report the identity theft to both law enforcement agencies and the Federal Trade Commission ( FTC ). I have also provided documentation of these reports to your agency along with a written request to block the fraudulent information from my credit report, as stipulated by law. Despite my efforts and adherence to the legal requirements, the inaccurate information still remains on my credit report.

This blatant noncompliance with the legal provisions outlined in 15 U.S. Code 1681c2 has caused me significant distress and financial hardship. Furthermore, under 15 U.S. Code 1681n, credit reporting agencies can be held liable for willful noncompliance with the Fair Credit Reporting Act, resulting in financial damages to the affected consumer.

I kindly request that you take immediate action to rectify this situation by promptly blocking the fraudulent information from my credit report and providing me with written confirmation of the same. Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to seek the remedies outlined in the aforementioned statute. 

I trust that you will treat this matter with the seriousness it deserves and take swift action to correct the inaccuracies on my credit report. I appreciate your prompt attention to this issue and hope to receive a timely response. 



I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 
The details of the accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect as I have never opened or authorized these accounts.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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