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

On Friday  XXXX   XXXX    XXXX   I received a call from my   XXXX     XXXX   XXXX  credit card saying that someone had called in and changed my address on my acct and ordered a new card to an address in  XXXX . They put a block on the acct. I decided to check my other cards. Walmart, target and my amazon store card had all been changed to the same  XXXX  address and new cards requested. They all stated the caller knew all my info. Okay lets get to walmart. The rep stated that yes someone had called and changed it and ordered a new card and that she will cancel that card, change my address back and send me a new card. We verified the new card would be sent to my address NOT  XXXX  AND I added a passcode to my acct in  XXXX  that person called to change my info.     On Tuesday  XXXX   XXXX ,   XXXX   I decided to double check my  XXXX  acct. Not only had the card that was being sent to the  XXXX  address not canceled they also changed my address back to  XXXX  and they were charging hundreds of dollars as I was refreshing the screen. They claimed they have canceled the new card and now sending me yet another one so I am still waiting on that. I am very upset that this was allowed to happen twice. If the rep I spoke to on Friday would have done her job the thief could not have charged to my new card. Luckily they say I am not liable but the fact still remains they were careless with the security of my acct. I check my amazon store card and the same thing happened. The person called in on sunday  XXXX   XXXX  and changed my info again and got a new card sent even though on Friday the rep at amazon claimed that they had changed everything back and they were sending me a new card. I also added a passcode that day. SO how has this happened? Some one needs to be accountable!
Product: Credit card

XXXX  Company restricted me from accessing my account online after requesting statements, they did sent the statements but restricted me afterwards. 

1- I'm requesting this Credit Card company to send me the very first XXXX statements after account opening.
Product: Credit card or prepaid card

Beginning XX/XX/XXXX, I started contacting XXXX and XXXX XXXX about the credit card THEY HAD ISSUED BASED ON A PURCHASE. 

I have contacted via email, phone AND USPS ASKING FOR A DETAILED STATEMENT. 

I've been told verbally that one is being sent but I HAVE NEVER RECEIVED IT. 

On XX/XX/XXXX, a " XXXX '' called and left a very threatening message about the account. I called her back and noted that I had neither received a card OR a statement so I was not making a payment on anything. 

Purchases totaling LESS THAN {$600.00} ARE NOW totaling {$1800.00}! 

XX/XX/XXXX, I received another call threatening with ESCALATION IF I did not call and make a payment immediately. the calls state that I am being " warned that escalation will occur if I do not call by XXXX XXXX
Product: Student loan

I called in to make a payment on or about XX/XX/2019. I spoke to a representative who advised me of different payment options to bring my loan current. She told me that my payment would be around {$570.00} and that I would not have any capitalized interest. I specifically asked her about the amount of my payment and about the capitalized interest. She gave me answers to those questions before I agreed to the forbearance. She then put me in the IVR to say I accepted what she told me. Then, she set me up on auto payment and told me that my payment would be lower the next month because I would get the interest rate point deduction for being enrolled in auto pay. I called Navient on XX/XX/2019 to request that my next payment be drafted on XX/XX/2019. I was advised at that time that my next payment was going to be around {$610.00} dollars. This was higher than the representative quoted so I requested to be transferred to the department that handled this. 
I spoke with XXXX, a supervisor in that department. I asked him to review the phone call I had with the representative before I voiced my complaint, as I wanted to make sure I was remembering the XX/XX/XXXX called correctly. He reviewed the call and called me back. He confirmed that the representative did give me incorrect information. Specifically, she told me that my payments would be {$570.00} dollars per month and she told me that I would not have capitalized interest. She also told me that my interest rate would be reduced due to enrollment in the auto pay. She told me all of those things and that is what I relied upon in making the decision to enroll in this forbearance. He told me that it did not matter that she told me this incorrect information because I accepted the terms on the ivr system. He said there was nothing he could do.
Product: Consumer Loan

This dispute is with Cash Call Check Cashing /XXXX XXXX CA XXXX. I had a payoff amount of XXXX. 
I the co- signer was in a serious car accident XXXX/XXXX/2014 and the car was a total loss. I was the co-signer on the account. The insurance Co. and Gap Insurance Co. paided the car off which left a balance of XXXX, in which I owe XXXX. The company is refusing to write off the balance on my credit report until the XXXX of interest is paided off. This is rueing my chances on getting another car. Before the car accident I loss my XXXX XXXX 2014 and fell on financial hardship as a co-signer I was trying to work out a two month deferment for XXXX and XXXX 2014. The customer service agent I was dealing with was threating and rude only worrying about getting the payment instead of working out a deferment or giving me any help. Just giving me the run around, delays, and had no intention on giving me a deferment. Half of the reason why I had the car accident was stress from the harassment for payment. I was hounded by this company calling me even after I answered the phone, pleading with them for help, ( mind you I was only two months behind ). They called at least 5 times a day with threats and rude staff whom contacted me. The company did not even give me credit for the payments I had already made on my credit report, in which I found this out when trying to purchase a car, The car company showed me the negative marks on my credit report. this is when I out found what kind of company I was dealing with., this is a Check Cashing Company, which after dealing with this company for the few months they were very rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Product: Vehicle loan or lease

Today, XX/XX/2022, I received an email from Chrysler Capital. In the subject line, it states " You're pre-approved on your recent online application ''. Except I never applied for a auto loan through this company, or have I submitted any applications for an auto loan. 

When I contacted them at XXXX, they won't allow me to speak with a customer service rep. Seems they sort of force you to 'login to your account '. I never created an account. I think it feels awfully scammy. 

I checked my credit reports and there is no info about a loan request or any recent inquiries. I can send CFPB the email I received. 

At the bottom of the email it states - " This message was sent to you as a customer of Chrysler Capital ''. Again, nobody answers the phone line they give. 
Here 's a copy and past at the bottom of the email- This message was sent to you as a Chrysler Capital customer at XXXX for transactional purposes. If you are not the intended recipient, please notify us immediately. 

" 2022 XXXX XXXX XXXX XXXX XXXX rights reserved. 
Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to XXXX XXXX XXXX XXXX. 
XXXX, XXXX, XXXX and XXXX are registered trademarks of XXXX XXXX XXXX. 
XXXX is a registered trademark of XXXX XXXX XXXX XXXX, used with permission. 
All other trademarks are the property of their respective owners. 
XXXX '' I don't know what can be done. Unless someone is using my email, I don't show any inquiries on my credit report. 

Just sending this to CFPB as it appears to be a scam. 
Thank you, XXXX XXXX and my email is " XXXX '. I attached a copy of the email. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsified that I had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022, I called to Early Warning Services , LLC in order to get the results of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, and the result was set to be answered in XX/XX/2022, after one month of investigation. I called today to hear the result of the investigation opened on XX/XX/2022, and the agent XXXX, employee # XXXX told me that Early Warning Services was not going to give me any answer until I receive some envelopes that Early Warning Services sent me some weeks ago, and I returned them to the sender. This company is committing A RETALIATION CRIME against my person because I do not want to receive their UNEXPECTED MAIL. Early Warning Services is VIOLATING MY CIVIL RIGHTS rejecting to provide the answer of an investigation. This investigation is about a hard inquiry posted in my profile in a fraudulent way.
Product: Credit card

I wrote Bank of America and stated that I wanted to close my credit card which was a secured credit card. I put {$500.00} to get this {$500.00} secured credit card. The balance owing at about that time was {$440.00}. I stated in the letter that I was authorizing them to apply the {$500.00} deposit to the account and refund the difference. I did not hear back from them. The next month 's statement showed a {$99.00} credit. I wrote them back again giving them a copy of the first letter. I wrote them back a 3rd time and gave them a copy of the first letter. I still did not hear from them but I did continue to receive statements adding interest and a $ XXXX/mo charge for missing my payment. Just a couple of months earlier, I had withdrawn my checking and savings and money market accounts from B OF A and began using a local bank. I am not sure if this is related or not, but no wonder I do n't want to use B OF A. I sent all letters to the address for disputes in XXXX XXXX, TX as per B OF A 's instruction on the front and back of their statement.
Product: Mortgage

I paid off my mortgage on  XXXX   XXXX ,    2016. HSBC Mortgage has not recorded mortgage satisfaction to this day.
Product: Money transfers

I sent a Money Gram for {$490.00} to an individual. I received a notice from someone supposedly in the same office that the recipient received the money but had an automobile accident and because of some electronic problem I was asked to send the same amount of money in order to re- ceive a refund. I was n't going to make a second mistake by complying. I attempted to speak with personnel from Money Gram, but between the person 's accent and poor telephone connections, I am unable to understand most of what she is saying except that the person did receive the money. She attempted to tell me what I should do, but most of our con- versant was unintelligible for me. Of course, no service was given for my laptop.
Product: Checking or savings account

Filing a complaint against Robinhood for restricted access to my account, preventing me from withdrawing my available funds, and the inadequate response from their customer support team.

Robinhood restricted my account on XX/XX/year>, claiming suspicious login activity on my account. I explained to them that I was using a VPN, which likely caused this issue. Despite my explanation, they requested that I submit utility bill with my name and address to verify my identity. I provided the requested document on multiple occassions but each time it was rejected without give any specific reasons, and they proceeded with the restriction. 
I have reached out to Robinhood multiple times via email ( XXXX ), explaining my situation, but I have only received automated bot responses and most of the times just been ignored. 

I am seeking the CFPB 's assistance to urge Robinhood to ; 1. Review my documentation thoroughly and accept it as proof of identity Although I have changed my address on Robinhood previously, they're still reporting my old address on the monthly statement. This is most likely why the submitted documents got rejected but they didn't provide any reason so I can't confirm 2. Restore access to my account and allow me to withdraw my funds Current balance : {$2000.00} determined by daily stock market price. Funds invested in XXXX XXXX. Provide a direct and responsive customer service channel to resolve these types of issues efficiently. 

Thank you and I am counting on your support
Product: Debt collection

THIS IS NOT A DEBT THAT I OWE NOR DO I HAVE ANY KNOWLEDGE OF THE DEBT. THEY CONTINUOUSLY CALL AND HANG UP AND WHEN SOMEONE ACTUALLY DOES SPEAK I AM CUSSED AT AND THREATENED TO BE ARRESTED FOR A BACK DEBT THAT HAS NOT BEEN PAID!
Product: Checking or savings account

On XX/XX/2020 I canceled a subscription with XXXX for a recurring gold 6 month subscription for {$69.00}. I noticed where my checking account with Regions had been debited for {$69.00} on XX/XX/2020. I reached out to the merchant the morning of XX/XX/XXXX approximately XXXX ( company website stated it was open 24 hrs/ 7 days a week, however company is not ) and spoke to XXXX and asked why my account was debited when the subscription was canceled on XX/XX/2020. XXXX stated that the subscription was canceled on XX/XX/XXXX @ XXXX, Canceled by the company XX/XX/XXXX @ XXXX, and Renewed on XX/XX/XXXX @ XXXX. I explained to XXXX that I had not renewed this account. I asked to speak to a manager, and spoke with XXXX who stated the billing dept will contact me within 24-48hrs, which they never did. I contacted my bank Regions on XX/XX/2020 to dispute the transaction. The bank policy is the transaction can not be disputed until it actually post to my account, which it actually posted on the XX/XX/XXXX. I was given a claim # and proceeded to wait for my back to contact me. On Friday XX/XX/2020 I made a appointment to meet with someone from the bank to discuss my account and I was told I could be assisted without coming into the branch by phone. I do not have the name of the person I spoke with, but I provided them with the information above and was told this information would be added to my claim. On today I made a appointment again to meet with a branch representative to discuss my claim again only to be told my claim had been denied because there was no proof of cancellation. I told the pweson I spoke with that I did not have a confirmation number, but did have a screenshot from my phone stating the transaction had been cancelled. She provided me with a email address and stated she would submit the information and request the case be back open. At this point I am very disappointed with the level of customer service I have received from Regions. Even after contacting the merchant and contacting my bank for assistance I am still out of {$69.00}. I am not satisfied and want assistance with resolving this issue asap.
Product: Money transfer, virtual currency, or money service

I can not close out my wallet or withdraw funds from block fi account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry 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 an 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. 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 {$120.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

XX/XX/year> Subject : Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : XXXX and Experian are reporting a XXXX late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, XXXX and Experian continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, XXXX and Experian have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case.

Desired Resolution : Immediate removal of the inaccurate late payment notation from XXXX and Experian. 
Written confirmation of the correction from Experian. 
XXXX that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear customer service rep, I am writing to formally express my concerns regarding the discrepancies in the APR for my vehicle loan and potential violations of fair lending practices. On XX/XX/scrub>XXXX XXXX XXXX I visited your dealership to discuss trading in my current vehicle with the expectation that the dealership would pay off the remainder of my car loan. During this process, I was informed that my current APR is 30 %. 

This was both unexpected and alarming, as the contract I signed at the time of purchase explicitly reflected an APR of 28 %. At no point was I informed of any adjustments to the APR, nor was I provided with any explanation regarding this discrepancy. Such practices raise significant concerns about compliance with federal and state lending regulations. 

Under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ), lenders are required to disclose accurate and complete information about the terms of credit, including the APR. Failure to do so or to provide accurate disclosures may constitute a violation of federal law. Additionally, increasing the APR without proper notification may be considered predatory lending, a practice characterized by deceptive, unfair, or abusive tactics that exploit borrowers.