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

on or about XXXX a company called XXXX XXXX XXXX charged my Aspire Credit Card ending in XXXX card {$56.00}. I did not authorize this purchase and did not receive any goods or services from this company. These purchases were also charged to my card and I did not authorize them. 
XXXX {$9.00} XXXX {$58.00} XXXX {$58.00} XXXX {$56.00} XXXX {$58.00} XXXX {$56.00} XXXX {$19.00} XXXX XXXX did not receive any goods or services and did not directly authorize this. 
I disputed the charges with my cc company. Aspire credit card originally refunded my account for 7 of the charges but denied my fraud claim for one of them. They closed my card and sent me a new one. The charge they denied was the exact charges of some of the others. I was pretty upset they denied this claim but was going to just roll with it. I log in to my account today to pay my bill and all the charges are there again and they are saying they denied my claim. I did not make these charges and did not receive anything in return. I closed the account and refuse to pay someone elses charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$640.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 and XX/XX/24 XXXX bank transferred me to more than XXXX customer service employees across several departments who were unable to give me a straight answer about how to file a dispute. Many of these employees were difficult to understand and it was clear that the language barrier impeded progress. It appeared that XXXX was placing obstacles in my right to file a dispute. The late fee Im disputing occurred after fraudulent use on my credit card, the late fee was applied to my account and reported to XXXX credit bureaus.
Product: Checking or savings account

navyfed has not returned money owed to me due to a dispute further they have limited my access to my acc on numerous occasions and even changed my gender to my biological gender XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/21 i was overcharged by a cashier at the local XXXX  that not only rang up my order 3 times but also stepped away with my debt card and went to a back area where only employees were allowed and had my debt card the entire 18 mins, doing something i believe was illegal because i was overcharged XXXX $ soon after my original total was XXXX $ but when i got home i realized i was charged XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXXXXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Money transfer, virtual currency, or money service

I was called and told urgently that there was something wrong with my bank account and that I had to send my money over to a trusted banking app like Cash app, XXXX, XXXX, etc, which I told them I had cash app, and told me send all my money to my cash app account, they then told me to add a different card to link to the account ( which they said was my new card ), then had me add a dollar from the card and cash out for a test transaction, they then had me cash out all my money out on the new card, they then told me to add back my old card which they then ended the call and blocked me leaving all my money on the supposed test bank card.
Product: Debt collection

I had a signed settlement agreement with the Credit Control LLC for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX and XX/XX/XXXX. I have a statement and notices from the bank reflecting sufficient amount on the account and an overdraft services were on. On XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact Credit Control to clarify through their website and sent 3 message of which I have time stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentlemen they have 2 different parts of the collection department and another department is under a different number, which i called and left a voicemail as no one was available. Then I proceeded sending another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX, if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments, then I was told that my payment did not go through and that agreement was voided and now I have to start paying off the same amount a new. Not only that manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I was not even able to speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and placed me under pressure. Where this agency prey on the debt problems and make them worse instead of helping in resolving.
Product: Mortgage

Approximately one year ago, my loan was transferred from XXXX XXXX to Select Portfolio Servicing ( SPS ). When it was initially transferred, I was enrolled in a biweekly autopay program. It took me several months and many phone calls ( at least 10 ) to have my autopay set up with SPS. Because my payments are on autopay, I don't always look at my monthly statements, as I can see them coming out of my checking account. Last week, I logged on to the SPS site to see the balance of my loan. Upon logging in to the account, I noticed that my escrow account is over {$5200.00} in the negative. After reviewing the statement, I realized that SPS had been applying the money meant for taxes and insurance to the principle on my loan. I immediately called the lender to let them know of the issue so that it could be corrected. The initial person that I spoke with told me that she was going to put me on hold for a couple of minutes to see what the issue was. After over thirty minutes of being left on hold, I hung up and called back to speak with a manager. The manager ( XXXX @ ext XXXX ) looked at my account, and told me that I was correct. My tax and insurance money was being applied incorrectly. He stated that he was fixing it and I should see the money back in escrow account in a few minutes. I checked my account while I was still on the phone with him and the money was not back in the escrow account. I stated to XXXX that the money was not there, and he told me " oh, no it will take one to two days '' to appear in your escrow account. It has been more than " one to two '' days, and the money is still not in my escrow account.
Product: Prepaid card

I purchased the card and then attempted to use the card at an online retailer, and it was declined. I then attempted to add it to XXXX, which was declined again. Next, I called XXXX, because the card had been frozen from those attempts to use it. XXXX sent me a replacement card, which had the same issues. I then used the card to buy a different prepaid card ( XXXX XXXX ), which still had the same problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I have been disputing this debt " chargeoff '' for over a year plus. This account has many " inaccuracies '' first I disputed the verification using section 609 of the fcra verification process asked for the company " to furnish a physical signature '' that legally tied me to the debt ''. I did not receive any documents, proof of signature, etc. The disputed items came back " verified '' with no proof. second round I disputed the same asking for more info about the investigation, same response as before. In the third round, was online I disputed the inaccuracies with documentation showing the inaccuracies first the " date of last activity '' was different in each bureau meaning the account was re-aged, which is a fcra violation. ON XXXX and XXXX " came back as updated but nothing has changed '' XXXX was the only bureau that did an actual investigation and deleted the account due to inaccurate reporting. On the fourth round, I sent a dispute asking the bureau why nothing has changed and also that " the account is reporting monthly activity after the account has been closed '' showing charged off continuously, which is another violation. Once again the item came back as verified as accurate.
Product: Credit card

I received a Milestone credit card about 30 days ago. I used it for coffee runs, gas, and grocery stores and did not have any issues. The is an annual fee associated with the card. I made the first payment which included the annual fee. ( total of XXXX ). I travel for work and attempted to use the card and it was declined. I logged into my account online and it told me I needed to call about the account. When I called I was told that my account was blocked. The first two people I spoke with could not tell me the reason for the blocked card. I asked to speak to someone higher up. I was transferred to two more people who told me the card was blocked due to fraudulent activity. The only way for the block to be removed was to send a fax of my ID to the number provided or a po box address. I do not feel comfortable doing so and will not send any documents to this company. They got their payment and annual fee and now have blocked me from using my card. I hope you can help. Thank you
Product: Checking or savings account

On XXXX XXXX, 2021, we received a letter from Comerica Bank addressed to my wife 's maiden name " XXXX XXXX '' at our current address of XXXX XXXX XXXX, XXXX Pa, XXXX congratulating her for opening a new checking account. We also received 5 blank checks and 2 deposit slips to use. Shortly thereafter we starting received letters of insufficient funds and copies of checks that were written to XXXX XXXX from someone by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$800.00} dollars. We immediately called the Comerica Bank on or about the XXXX of XXXX to let them know we did not open an account with them and we felt this reeked of identity theft. We received a letter today ( XXXX XXXX ) from Comerica Bank dated XXXX XXXX, 2021, that noted as per conversation with them on XXXX XXXX they confirmed that they closed this account on XXXX XXXX, 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX {$1900.00}
Product: Credit card

I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX XXXX XXXX before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX XXXX nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX XXXX, NMLS XXXX. 

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

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX  data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.
Product: Checking or savings account

On XX/XX/year> at XXXX and XXXX XXXX  I received XXXX charges at XXXX in XXXX, CA for {$120.00} and {$120.00}. I live and was in XXXX CA at that time. I immediately locked my card and attempted to call chase but the wait was XXXX mins so I called the next morning to report the charges. They gave me a temporary credit and said they would be investigating. On XX/XX/XXXX I received XXXX reversal charges for those amounts above. I called them and they said the charges were found to be authorized by me since they used chip and a pin and I still have possession of my card. I was told nothing could be done as they believed it was me. I called again and he told me to upload documents showing where I was. I uploaded a XXXX XXXX screenshot that showed the date, time and location of where I was at the time my card was being used. I called again and the supervisor told me my pin and chip werent used and it was swiped and theyd be able to reopen my case. The next supervisor told me he wouldnt be able to reopen the case cause I still had possession of my card and theres no way a skimmer couldve been used ( how does he know that??? ) I was then told to take them to small claims court and nothing could be done via phone.
Product: Credit reporting

Past Disputes XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Accuracy : Fraudulent charges were made on my account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion -- Dispute XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

. When contacting TransUnion, provide your current file number : XXXX. 

XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Account Type Open Date Status Balance XXXX Other XX/XX/XXXX Closed {$2300.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
e current file number : XXXX. 

i have disputed the accounts listed with transunion and XXXX over a year! I had them investigated as well. The credit companies keep denying me the removal or refuse to update my credit report. As well as remove fraudulently placed Credit Inquiries
Product: Credit reporting or other personal consumer reports

CFPB, this company XXXX XXXX XXXX XXXXXXXX Now that XXXX is a part of Equifax, your XXXX credit report disputes will be reported to them. This company XXXX should know the rules, regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the XXXX act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfers

I paid by bank wire transfer on XXXX/XXXX/XXXX to purchase a XXXX XXXX XXXX XXXX Custom guitar and received via United States Postal Service, a XXXX scale XXXX Melody Maker guitar instead. XXXX XXXX ( XXXX are sellers aka XXXX XXXX ) admitted the guitar sent was wrong & said he would correct the mistake but never did. I expected to received the guitar I contracted for ( XXXX XXXX XXXX XXXX Custom with original hard case ). I received a different and inferior guitar in quality and monetary value.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account : XXXX/XXXX  # XXXX Please provide method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today, someone else fraudulently used my name, address, and a fraudulently obtained copy of my photo ID to issue XXXX fraudulent complaints with the Consumer Financial Protection Bureau, XXXX each regarding Equifax, XXXX, and XXXX. Those complaints are complete nonsense.
Product: Checking or savings account

I had {$1900.00} taken from my checking account by Venmo from a scam email over 5 weeks ago. Venmo admitted that it was fraudulent and was supposed to send me a check which they never did. I have emails and texts messages from the company admitting the mistake but have not received my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have only received XXXX phone call from this company about a debt owed from XXXX XXXX on XX/XX/2022. The call was XXXX minutes and the representative was speaking very low to where I could not hear them. I tried to call AD ASTRA RECOVERY back to verify this debt in writing and I was unable to reach anyone. I have not received any other Mail notifications with a right to dispute from this company. I feel it is unfair to have this negative item on my credit report but I have had only XXXX communication with this agency. I have sent a cease and desist letter to the agency on XX/XX/2022 after trying multiple times to get the collection removed through the credit bureaus but was unsuccessful.