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

I have been a Discover credit card customer for several months. I am currently serving in the XXXX and am stationed in XXXX. Recently there have been many fraudulent charges on my credit card that have raised concern. I have notified Discover several times of the transactions and they have filed disputes on my behalf. While in XXXX, they sent out a new card to the address on file, that I do not live anymore, and has created a problem because somehow there become more fraudulent transactions. As a service member and as an american overseas, I do not have the luxury of being able to call Discover and be on hold for a long time or explain the situation to them completely because my carrier will charge me dollars per minute. One day in XXXX I had enough when I logged into my account and saw it was over the limit and I called not caring about the phone charge. I notified them that i was not in america and they should freeze my account. They then stated that my account is on hold and they would need to call my cellular phone to verify it was me first. Discover has allowed my account to be fraudulently used over and over again even though I have followed the FCRA rules to report on time and have done my best. Discover has now closed my account and has stated that it is due to fraud they feel that I present a risk to do business with, just because I am a service member in the XXXX  serving overseas. My current balance is an outstanding {$4900.00} which is extremely ridiculous because my credit card with them is a simple {$300.00} secured credit card, meaning my balance should never go beyond the {$300.00} that i deposited in the first place.
Product: Debt collection

Westlake portfolio management contacted me in regard to a paid off debt for us auto sales. I have request multiple times through recorded lines to have a debt validation letter and original contract with wet signature sent to me for verification. This company states I owe them for a bill that was paid in full. I have never signed nor agreed to do any business with this company. The company has been unable to provide me with any physical evidence of any contracts or documents. The company Westlake portfolio has called me from over five different phone numbers ever single day to the point of harassment. West lake portfolio states I have an auto loan with their company that shows up on my credit report but the company can not provide any documentation or records of the loan.
Product: Credit reporting or other personal consumer reports

I made dispute to XXXX XX/XX/year> On accounts of XXXX XXXX XXXX  for {$19000.00} and removal of unknown source and laws attached. Action was taken to close account on XX/XX/year> but did not remove it from my account. 

I made dispute to XXXX XX/XX/year> On account of XXXX XXXX for {$5800.00} claiming that removal of unknown source and laws attached. Action was submitted that account closed on XX/XX/year> but did not remove from my account. 

These are laws attached If a consumer notifies a debt collector That a consumer refuses to pay the debt the collector must cease all communication.
Product: Debt collection

After checking my credit report on XX/XX/2018, I noticed that there was an open collection wilth XXXX XXXX. This account was originally with XXXX  XXXX XXXX which I was a victim of Identity theft and it was removed from my credit report. I have not had any communication with this company and there has not been any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. Withholding Notices You are entitled to notices concerning the reporting, handling and use of your credit information. Notice violations under FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information or the validity of the debt. This account was disputed with XXXX XXXX XXXX and as soon as it was deleted from my credit report, XXXX XXXX purchased this debt, did not notify me in writing but simply placed this account on my credit without notification. I would like to file a complaint to have this incorrect reporting deleted from my credit report and have this company blocked from future reporting of this account. XXXX XXXX has performed unethical business practices.
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. Has Violated my rights XXXX -XXXX  Account Number # XXXX  XXXX XXXX -XXXX  Account Number # XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 card

Citi customer service told me I have 30 days to cash out my Citi Thank you reward points after my account was closed, but later when I called within the 30 days time frame, I was told my reward points had been forfeited. Below is a detailed description of what happened : I called Citi at XXXX on XX/XX/ at XXXX XXXX  PST after unexpected account closure to redeem my citi thank you rewards. The customer service representative told me I can cash out the rewards in the form of a check. He also updated my mailing address. I didnt make the decision at the time because I was still trying to figure out why my account was closed, and was hoping for a better solution. After I expressed my concern, the CSR told me I will have 30 days to cash out my rewards. So I said I would think about it and ended the conversation. 

I called again on XX/XX/XXXX  at XXXX XXXX  PST to redeem my reward points, but was told that my rewards had been forfeited even though it was within 30 days of my account closure. I had more than XXXX reward points ( I dont know the exact number because I lost access to my reward account ) accumulated over the years, which are very valuable to me and a major reason why I use my Citi credit cards. 

As a result of being misled by the wrong information directly provided by Citi customer service representative, I have lost my reward points. I think Citi is resposible and I should be given another chance to redeem my reward points. 

The time stamps of the recorded phone calls are listed above so that you can properly investigate the situation. Both calls are from ( XXXX ) XXXX Thank you. Please let me know If you have any questions.
Product: Credit reporting or other personal consumer reports

I've sent out letters to Transunion on XX/XX/year> about the inaccuracies on my consumer report. These wrongful pieces of information needs to be accurate according to the Fair Reporting Credit Act ( FRCA ).
Product: Payday loan, title loan, personal loan, or advance loan

My account was charged {$7.00} on XX/XX/XXXX. Though I have emailed and messaged Grids support, they have not responded to my messages and request to cease all activity on my bank account. I am also unable to cancel or remove my information from their service. 

My last valid payment due and paid to Grid was on XX/XX/XXXX. This was a payment of {$10.00}, which I consented to paying. Because I no longer needed their service, I reached out to their customer service, as I attempted to cancel my account altogether and was unsuccessful. They do not have a customer service phone number. 

In addition to the {$7.00} charge on XX/XX/XXXX, I have also been charged the following amounts on these dates : {$10.00} - XX/XX/XXXX {$10.00} - XX/XX/XXXX {$24.00} - XX/XX/XXXX {$26.00} - XX/XX/XXXX {$29.00} - XX/XX/XXXX I have requested a cancellation of my Grid account, and the immediate ceasing of charging my bank account - both requests ignored by Grid. I also requested an itemized ledger of the charges to my account, to justify WHY I have been charged so many times after an advance was repaid in XX/XX/XXXX. Since the transaction date paid to Grid on XX/XX/XXXX - I did not and have not authorized ANY of these transactions. I am now fearful of having my personal account drained of money, as every moment they seem to charge me, even multiple times and different amounts during the month. 

I would like to have my money refunded for the dates and transactions provided, the Grid company to ensure my account is closed permanently, and that they never charge my account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXX XXXX XXXX XXXX Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got charged twice by XXXX XXXX XXXX  in XXXX for services. I contacted my credit Card Company Citi-Cards to get one of the charges refunded. I also contacted XXXX stating that I got charged twice. XXXX has told me they have refunded one of the charges on XX/XX/XXXX, as of today I do not see a refund on my credit card account online. I am enclosing letters from XXXX confirming that they have refunded the charge. I have talked to the dispute department with Citibank but I am not getting anywhere they keep telling me that they are investigating. I first requested a refund in XX/XX/2018.
Product: Checking or savings account

On XX/XX/21, according to the longtime scheduled takeover of my Simple Bank accounts ( checking and savings ) by BBVA USA, and despite following the instructions emailed to me by BBVA USA, I was unable to access either of my accounts. 

On XX/XX/21, seeing comments on @ XXXX 's XXXX feed from other former Simple Bank users experiencing the same problems, I again attempted to access my account, following BBVA USA 's recommendation to try again, I found myself locked out of my accounts. 

Their customer service number, XXXX, directs callers to a call center. I called four times and was hung up on every time. 

Currently, XXXX XXXX is holding my entire checking and savings funds. I have no way to access them and no way to get ahold of the company to resolve this.
Product: Debt collection

Please investigate Harvest Associates. The company refuses to remove an alleged debt at the amount of {$1200.00}. I have reached the 4 years statue of limitations for the state of Texas. The collector has been harassing me over an alleged owed debt that I am no longer legally responsible for and refuses to remove it. They practice illegal practices of harassment.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX/XXXX/XXXX my wife visited what she believed to be an XXXX XXXX XXXXlinic operated by the hospital system that employs her for a routine strep throat check. We later received an invoice for {$79.00} for 10 % coinsurance. I thought this was very high and questioned the amount only to be told that the facility was an emergency room and not an XXXX XXXX center. I then filed a complaint with my state 's XXXX 's office because I felt the billing practice was unfair since the office building had a huge sign out front identifying it as XXXX XXXX. I went ahead and paid the invoice as well. On XXXX/XXXX/XXXX I received a response from the hospital system 's attorney through the XXXX 's office indicating that they decided to refund the {$79.00} coinsurance payment but they felt their billing practices were legal. Everything was good until XXXX XXXX when I received an invoice from XXXX XXXX of XXXX MI saying that I owed this debt. On the XXXX of XXXX I sent a certified letter to them disputing the debt and forwarding copies of the letter from the hospital system as well as a copy of the credit card transaction and the refund transaction proving that the debt was no only paid but also refunded. I assumed this would resolve the situation as the debt is clearly invalid. They continued sending me invoices so I hired an attorney through my employer 's legal access plan. The attorney said that he 'd send them another letter and handle the situation. In XXXX XXXX I received an invoice from a new debt collector, XXXX XXXX XXXX XXXX of XXXX NY for the same debt. So it 's clear to me that XXXX decided to sell the debt to a new collector rather than go back to the original creditor to correct the mistake.
Product: Consumer Loan

Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.
Product: Money transfer, virtual currency, or money service

Hello, I have recently moved back to US in XX/XX/2023. I had a Venmo account before, and then, because I needed to pay for rent applications, I tried to reactivate my account. Well, the one I had before I could not reactivate. Then I made a new account with a new email. Ever since I made this new account, I could never manage it. First, they froze my account for no reason at all. They asked for my US visa to unfreeze it, and I provided. After a while, and after spending time on the phone with support agents that did not helped me at all, they unfroze my account. Even so, I tried to link my bank account to Venmo, and it never worked. Once, I wanted to transfer the money for a couch that I wanted to buy. The guy selling the couch did not have XXXX, so I had to venmo him. It was a complete nightmare, as I could not link my bank account to Venmo. I had to withdraw money to pay him. 
The nightmare goes on... A friend of mine wanted to pay me XXXX dollars for the XXXX dinner I host at home. She also only had Venmo, so I let her make the transfer to my account. It worked, wow, I was impressed. Then, I tried to transfer my money to my bank account and guess what? I could not transfer it at all. 
I found out that my legal name was not correct in my Venmo account ( not my fault ), so I needed to change it ( another nightmare ). Today, it was FOURTH time I sent my XXXX visa to Venmo support team, and nothing. I've been wasting a lot of time with this company, and not a single " account specialist '' can solve my problem. It is incredible that I can not transfer XXXX dollars to my bank account using this horrible service. I desperately want to take this money out and close this account as soon as possible. I hope someone from the support team can effectively help me.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I have sent request and police report to Transunion about several hard inquires that I did not authorize. I ask that these inquires be removed. I have made many many attempts to do so with Transunion and get no help what so ever! I have contacted the Merchants and they asked that i contact the credit bureaus to have them remove which XXXX and XXXX did with no issues at all. These are the inquires that i am requesting to be removed : 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 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

In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before XXXX and XXXX. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX XXXX XXXX requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX XXXX XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.
Product: Debt collection

I took loan out with tower loan financial in XXXX they sent me check in mail. and I paid on this loan for almost year the first loan the amount was XXXX XXXX I had paid back. I had paid them paid down to XXXX XXXX then they called me in XXXX of XXXX ask me did I want more money this was the manger I said yes I took XXXX XXXX dollar loan out second time. he would not tell me how much I would pay back he just told me how much payment was it was XXXX dollars month. when I called back the next day he was already fired. I have pay XXXX back I paid on this loan until XX/XX/XXXX I started having trouble paying my bills am in hard ship right now am on buget plan I  single I have lost my mom and dad I no body halp me with bills. I have told them this in XXXX and XXXX to drop the payment down so I could pay XXXX dollars month. I talk to the new manger this she said no she said was going take me to court and get lien put on my house because I have it up for sale .they would not work with me no way. they call all hours of the day on my house phone and and on my cell phone and they have been to my house I told them I was not going to pay them I didn't have I would pay the balance off when I sold my house. but they are still calling what can I do they told me they where going to take my ssi and ssa check away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off and has continued to show late payments. The payments showing are still showing late.I spoke to the company and they stated they are NOT reporting it late.  ( I   'm not sure who is reporting it, but it is incorrect ).      CAPITALONE  Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened   XXXX   Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated  XX/XX/XXXX  Balance {$5300.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$5300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone (  XXXX  )  XXXX  Contact Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX  Ownership Individual  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  Failed to pay DISPUTE GUIDE >
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX ***, nor did I provide written consent for my credit report to be accessed. 
By committing this act, you are also in violation of XXXX XXXX XXXX is a section of the United States Code that addresses aggravated identity theft because you have possession of my information and are using without my consent.