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

Beginning XX/XX/2019, my Capital One credit card is locked up after every 1-3 transactions for a fraud alert. ALL of the transactions have been either near my house, near my work, or online at regularly visited reputable websites like XXXX. I call Capital One, verify my info in excruciating detail, they clear the card and I can use it 1-3 times and it gets locked up for fraud alert even using it at the exact same merchants. I call Capital One, spend approximately 50 minutes on the phone each time, have to verify all info including taking photos of my driver 's license which I think is very unsafe. This process repeats every day or few days. Not once during this three week period has there been even one fraudulent charge. I have asked Capital One to fix this problem and have been told there is no one there I can contact nor is there anyone there that can fix my problem. I requested a replacement card initially thinking I might have a problem with my chip. Afterwards it began giving problems for online ( i.e. not swiped ) transactions so I am not thinking this will help. Regardless, they sent a card taking over a week with the EXACT same expiration date and security code. If Capital One is so worried about possible fraudulent charges that they lock up the card almost every day, why would they send the exact same card? Answer is they are incompetent. I feel like I am being harassed by Capital One with this terrible customer service. I feel like I should be compensated for my time, inconvenience and embarrassment of having my card constantly declined. I easily have over ten hours of time invested in this issue. Capital One has consistently stated that every merchant has sent them the wrong information. Really??? 20+ merchants sent the wrong information? I don't think so. They also can't explain if that was the case how on websites where the info is saved ( like XXXX ) the exact same info will work once after they reset the account but the next time the account is locked up. The incompetence at Capital One in regards to this technical issue would be laughable if it weren't such a huge inconvenience.
Product: Credit card

I was out in and out of work from XX/XX/year> where I fell behind due to my mother 's illness.She passed in XXXX XXXX have brought account current asked for help with payment plans or lower interest.they refuse want to speak only to a counseling service they have a relationship with.I have done all the work myself with all my other cards .I can not understand ..I made account current they closed my account and still refuse to work with me unless I go through their credit counseling..this seems so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on my credit report with Experian that doesn't belong to me. I have resolved this issue through communication in XX/XX/2023. But in XXXX of XXXX it showed up again on my credit report and had a huge impact on my credit score. At present, I have communicated with Experian many times and still can't solve it, so please help me with my identity theft. Thanks
Product: Checking or savings account

Check # s XXXX and XXXX were written out to two different commercial entities. PNC paid out on these checks even though they were deposited in the wrong accounts by someone who stole them. They have given me the run around about their mistake for 2 months. They instructed me to go their local branch and fill out a notarized statement which I did. They mailed me a response that said I filed the wrong paperwork and that I need to get the proper recipients of the checks to sign a notarized statement that they had never received the checks and I have 20 days to this. After 2 months of their incompetence I have wasted enough time. 

They made the mistake not calling me when they received the checks to ask whether they were cashed via photostatic copies incorrectly. They have wasted my time and I am not happy with the service. I had checks stolen from my mailbox from another bank and they immediately refunded any incorrectly cashed checks!
Product: Credit card or prepaid card

I paid {$5000.00} i use Discover credit card to XXXX XXXX on XXXX XXXX as down payment for a new car and on second day we had to go through the contract with a promise they would give me a good deal but i had to pay the down payment to prove that i was serious and if the offer is not good no obligation and i will get my money back. The next day the offer it wasn't good and i didn't like the offer. I asked them to return the down payment to my credit card they said okay but i was not comfortable and worried. On XX/XX/XXXX XXXX i called Discover credit card to dispute the transaction they said i have to give the dealer 10 days to return the money and we can start the dispute on XX/XX/XXXX, if they don't return the money. The dealer didn't return the money credit card company started investigation they found in my favor on XXXX XXXX. On XXXX XXXX discover sent Email to me stated that will continue investigation because the dealer submitted a contract between XXXX XXXX and my son done on XXXX and contract date on XX/XX/XXXXthis deal was finished and my son took the car on same day after he paid {$5000.00} in cash as the contract proven this. I asked Discover credit card it is no relationship between the transaction i disputed happened on XX/XX/XXXX XXXX and transaction it done on XXXX and so far the credit card company reapplied a temporary credit to my account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with 15 USC 1681a Section 602, I have a RIGHT to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I was not given this opportunity and I did not give Experian permission to put ANY of these accounts on my credit report. I am not asking for verification. Experian has no permissible purpose to put this information on my credit report without WRITTEN instruction. This is a violation of Section 604 15 USC 1681b ( a ) ( 2 ). Federal law, which congress put in place to protect consumers like me, overrides any company policy. The accounts that need to be deleted from my credit report immediately are listed below. Furthermore, my name is STILL incorrect, which gives me cause for concern for identity theft, along with these accounts being placed on my credit report without my written permission. The negligent behavior of Experian has negatively impacted my credit standing. I would prefer not to escalate this situation further, by enforcing my rights through costly arbitration for your company. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX If you refuse to delete these accounts from my credit report, I want this 100-word consumer statement added to EACH account. My driver 's license and social security information will be included, and I request it be mailed back to me and not used again for any purpose. 


Attention all readers of my credit report. I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made a detailed written dispute to Experian and requested that they correct these errors, but Experian has refused to correct these errors or delete the account. I urge anyone reading this report to disregard this account as it does not accurately reflect my credit history or standing and should not be on my report.
Product: Checking or savings account

To whom it may concern : I made a complaint with Citi bank about alleged fraud on my account, I made multiple disputes and still have not gotten a response. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account # XXXX, I originally made a complaint immediately after the fraud was noticed. I made multiple calls to Citi bank and was told the case is pending, this was back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also attached copies of the fraud checks. The reference XXXX and XXXX, XXXX These are the ones that I have for some reason the bank closed the case without explanation. 

I need you to check the recorded calls on the dispute claims that were made. 

Also, I have attached the checks to show the fraud and the signatures do not match. 

I did get a response that the claim was made late, it that was not the case, for some reason the bank closed my complaint so they made me file a new one
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in numerous disputes including a FTC report for the unrecognized inquiries.Ive requested all for all investigations regarding this matter. They never supplied sufficient information to me in order to to validate these inquiries. This is the only agency thats reporting these unknown inquiries. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute concerning interest charges on my Apple Card account, which appears to align with the issues highlighted in the lawsuit against Apple Card in XX/XX/2024. Specifically, I believe I was unfairly charged interest in a manner inconsistent with the terms and conditions provided by the card issuer. 

Despite making timely payments and maintaining a responsible payment history, I noticed discrepancies in how interest was calculated and applied to my account. This mirrors the allegations from the lawsuit, which identified practices that were potentially misleading or unfair to consumers. 

I respectfully request an investigation into my account statements and interest charges to determine if I was impacted by these practices. If so, I ask for appropriate corrective actions to be taken. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Google suspended my google pay account in early XXXX, this impacts all of their services as they dont allow their users to pay directly with a credit card so Im unable to use any of their other services, they asked for my ID but not a reason why they were requesting it, Ive had this Google Pay account for a minimum of 5 years and no issues. They will not respond to my inquires and they say they dont have a phone number that I can reach out to, they keep responding that they are investigating but no timeline, no reason and no feedback as to what happened in the first place. How can a large multibillion dollar organization not have a department that can provide answers as to what led to this on the first place
Product: Mortgage

I originally submitted a complaint based on denial of the short sale because of affordability, they agreed they were wrong because I am in the military XXXX VA. Now mt problem is with the counter offer price they asked for on XXXX XXXX. The comps for the fair market value are around XXXX. They originally countered at XXXX back in XXXX 2015. This time they countered with the same buyer for XXXX. I am attaching the comps that were requested when we first disputed the counter offer. Nobody has returned my calls from Wells Fargo, and I have called several times as well as left messages. I would like to know what basis they are coming up with this sale price, especially when the buyer 's bank goes for an appraisal it will not be anywhere near XXXX. They have come down XXXX from XXXX, but are still extremely high on their asking price. Why would anyone purchase a home for more than it is worth, and what bank would loan them money for a home that was n't worth the asking price? I truly do n't understand and feel XXXX XXXX is taking advantage of the situation. I have a buyer, ready to purchase the condo for fair market value, why would they intentionally sabotage the deal with such an absurd counter offer? Would they rather I let it foreclose? I would like an answer to the ultimate question and what their appraisal found the fair price should be, based on the comps I am including.
Product: Mortgage

I am divorced. I am the only one on the loan. And they are talking to my X husband. I have not found out around it until the last minute. I am trying to keep my home they. Then need to talk my myself.
Product: Credit reporting or other personal consumer reports

This company keeps maliciously messing up my credit report. Every time I disputed they lie and say that I didnt pay it I have receipts I have here. My police report attached to this company, affirm their maliciously and keep derogatory information on my credit report after I paid them, they keep saying that the information is not accurate when it is, I have proof of payments from my bank statements.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a loan with XXXX back in XXXX. Unfortunately, I filed for XXXX XXXX Bankruptcy and got discharged in XXXX of XXXX. The XXXX account was transferred/sold to SST under account # XXXX. Attached to this there was a savings account that has some balance remaining. SST has mentioned that they're going to use those funds to pay off the debt that was discharged under the bankruptcy. Per law, this money can not be collected and they're still trying to gain access to that money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

LendingClub-loan was put into deferment for XXXX XXXX but they reported me delinquent so it has messed up my payment history. Have been going back and forth with them to get this resolved for almost a year. They sent me a email stating that they would fix my credit for the months of XXXX 2020. They have fixed the months XXXX XXXX and XXXX but has failed to fix XXXX. I have been getting the run around calls and emails made with continuous failure to respond or carry out what they were supposed to do
Product: Credit reporting or other personal consumer reports

I leased an XXXX through American Honda Finance company from XXXX. I have a perfect payment record regarding this vehicle. I had purchased a new vehicle in the interim through a third party broker who took the vehicle with the plates and returned it to ( XXXXXXXX XXXX XXXXXXXX, NJ ) in the month of XXXX. After the vehicle was taken, a check with the remaining balance was sent to American Honda Finance company clearing me of any further obligation. The vehicle was not in my possession during the month of XX/XX/year>, and they still charged me a late fee stating I did not pay my car note that same month which again the vehicle was no longer in my name, or in my possession. 
They also did not return the plates in a timely manner which caused my license to be suspended for an insurance lapse on a vehicle THAT I NO LONGER LEASED, nor had in my possession. 

They refuse to remove the XXXX single late payment from XX/XX/year> after I submitted all proper information and contacting the receiving dealership which was ( XXXX XXXX XXXX, NJ ). I am asking this be removed from my credit report as a courtesy due to this mismanagement on their end. I have submitted all proper documentation to the corporate office, and attempted to speak with management at XXXX in which they were not competent at all in regards to helping me resolve this or the status of my license plates being returned in to the state which would have further provided proof that the vehicle was not in my possession. 

I am asking for help please, Im in the midst of purchasing a home and this one bad remark is preventing me from getting a better rate. Any information on this matter would be helpful thank you so much. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Product: Bank account or service

Hi, American express savings only covers liability up to {$50.00}. 

How secure is the American Express Personal Savings site? 
At American Express we want you to be safe and secure when you bank with us online or by mobile device. 
If you tell us within two ( 2 ) business days after you learn of the loss or theft of your account access information or mobile device, your liability is limited to {$50.00} if someone should access your account without your authorization. Immediately report any unauthorized transaction to us at XXXX.
Product: Student loan

Account Reference : XXXX I was promised that letter in exchanged for paying the total balance of {$1700.00} that XXXX XXXX had told me was due. I had several conversations with XXXX XXXX last week, Thursday XX/XX/XXXX and Friday XX/XX/XXXX, during which he assured me that once I pay the full balance due he would provide me with a paid in full letter by Tuesday XXXX of XXXX 2015. On Friday XXXX I went to my bank and got a cashier 's check for {$1700.00}. I then when to the XXXX XXXX XXXX XXXX that was next door to my bank and deposited the check to the account that was provided to me by XXXX XXXX. XXXX XXXX asked me to fax a letter authorizing him to fax me the letter of paid in full and I faxed that letter on Monday XX/XX/XXXX. I had made the mistake of telling XXXX XXXX that I was in the process of buying a house and needed the paid in full letter. I explained to XXXX XXXX that my loan Officer and Real Estate Agent were waiting for the letter and my deadline to submit that letter was Tuesday XX/XX/XXXX. XXXX XXXX did not fax me the letter on Tuesday ; instead, he called me on Tuesday trying to extort additional money from me after I have paid the full balance of {$1700.00} that he told me was due. XXXX XXXX called and demanded that I pay an additional {$2100.00} or else he would not provide me the letter of paid in full that I need in order to buy the house. The actions of XXXX XXXX and Security Credit System have caused great financial damages to me and my family to the sum of over {$95000.00}. The way I was singled out by Security Credit System for extortion after I mentioned I was buying a house is a clear violation of the federal Fair Debt Collection Practices Act ( FDCPA ). " The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ). The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ) Sc-motion-3. when representatives from Security Credit System called did not identify themselves as a collection agencies they identified themselves as calling from XXXX.
Product: Money transfer, virtual currency, or money service

wise.com a money transfer service disabled my account and did not paid my money that was in my account. The refused to reactive my account and did not refund my money.
Product: Credit card or prepaid card

I had a Citi Double Cash credit card for 4 years. I had 7 instances of fraud on this account which required them to issue a new card number. Most recently I had 3 instances of fraud in XX/XX/2019 that required them to issue new card numbers. In each case I have had my physical card in my possession and fraud was all carried out online. I don't believe that Citi has investigated these issues or taken proper measures to protect my account. I also believe that Citi 's employees were in some way responsible for the fraud. I have had several conversations with their customer service and fraud department ( which are all located outside of the United States ). Nobody ever followed up with my concerns even though they claimed they would investigate. The most recent incident involved people signing up for recurring subscription services with my credit card and even after a new card number was issued they rolled those fraudulent subscriptions over to my new account. I was told by one representative that in fraud case they would not authorize any recurring charges on the new account by their policy. So at the very least they are incompetent in following their own policies and at worst they have people working internally that are taking part in fraud against their customers. I have since closed my accounts with Citi because they are a liability to me but I feel like they should be investigated.