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

XX/XX/XXXX ( card ending XXXX ) I reported the {$470.00} XXXX Charges UNAUTHORIZED. USAA DISMISSED MY FRAUD. see attatched statement of XX/XX/XXXX. There are NO CREDITS FROM USAA ONLY MERCHANT CREDITS TO COVER TWO RETURNED ITEMS. I DID NOT REPORT THE {$120.00} XXXX XXXX or XXXX {$210.00} as unauthorized in XX/XX/XXXX NO ADJUSTMENT CREDITS to begin an investigation. Proof these were not reported as fraud in XX/XX/XXXX but the ( {$470.00} card ending XXXX ) Remainder was Reported Fraud TO NO AVAIL. XXXX did not know what these charges were for. PROOF I REPORTED FRAUD XX/XX/XXXX see statement XX/XX/XXXX. ( A new card issued ending XXXX ) new card proof fraud reported but dismissed. USAA PUT CREDIT REVERSALS OF {$810.00} BACK ON CARD AS NEW PURCHASES XX/XX/XXXX & XX/XX/XXXX a year later. ** The entire purchases of XX/XX/XXXX totalling {$810.00} are on card for 2nd time XX/XX/XXXX. ** NO USAA CREDIT GIVEN AND {$810.00} TAKEN BACK. USAA LIES ABOUT LYING. USAA MAKES FALSE STATEMENTS THAT I REPORTED FRAUD ON ITEMS I KNEW I RECIEVED.. HELLO .... USAA, I REPORTED USAA REVERSALS APPEARING AS NEW PURCHASES. XX/XX/XXXX. I WAS CHARGED TWO TIMES I HAVE NEVER RECEIVED ANY NOT ANY PERMANET USAA CREDITS ALL ADJUSTMENT PURCHASE TEMPORARY CREDITS ** JUST DISAPPEAR. XX/XX/XXXX {$2.00}, XXXX Other credits never apply XX/XX/XXXX Total Credits Applied {$910.00} MERCHANT CREDITS ONLY.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have nor signed a contract with the collections agency. They did not provide me with the original contract and violated 50 U.S. Code 3956 - Termination of certain consumer contracts as I am an XXXX XXXX Service Member.
Product: Vehicle loan or lease

I am a current member of Penn Federal Credit Union. I applied for an auto loan and my credit score and income was sufficient. The company asked me to send in my 2 year tax returns. The company denied me. For some reason the company was denying me based on fraud or doubting my income. The investigator called me asking questions over my income and stating its impossible I make over a million a year with combined income of multiple businesses. At that point I felt really bad that he was discriminating against me because of me being XXXX. He told me he has my account flagged as fraud and any auto loan that I apply for will be denied. Then he asked me did I get my credit repaired? I am a XXXX  XXXX and he also told me most XXXX  XXXX  are bogus and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I've went online many times for over a year on XXXX, XXXX and Experian disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX month ago, my account was locked by a mistake of the bank and they said unfortunately XXXX cant reopen it and they will send me the money back in XXXX weeks, but I have not received it yet. 
The mistake is that they bind my sisters credit score to my account cause there only XXXX letter difference between our names, my sister never provide her social number to anyone else, so she thought someone is fraud. She went to bank and asked for the help, the bank didnt provide any information to her, and they just locked my account.Its my account, not her! After I found my account be locked, I bring my sister back to the bank and explained to them, but they said there is no way to reopen it and they can give me the money back with check in XXXX weeks. 
Its XXXX month later, I dont received any mail, and I dont receive any info about my account status after my account was locked, today I called them for more than around XXXX hours to figure it out, and finally, they just said there is no estimate time about when my money will be returned and call us every XXXX to check. 
Its unfair. They keep my money. BofA is a big company, I have to transfer my call from XXXX department to another department to describe and ask, it feels like my case is a ball they kick for fun. 
I hope to get my money back immediately.
Product: Credit card or prepaid card

I am writing to express my extreme disappointment and frustration with the way my recent dispute was handled by your supervisor XXXX with Employee ID XXXX on XX/XX/2023. Not only was the dispute mishandled, but the supervisor went so far as to close my credit card account without my authorization. 

I had submitted a dispute against a merchant for over charging me. However, the supervisor assigned to my case failed to properly investigate the matter and completely botched my dispute. Instead of helping me resolve the issue, the supervisor closed my account without any warning or authorization, leaving me without access to my credit line. I have recurring charges that need to post by XX/XX/2023 that won't be able to. 

This is completely unacceptable and has caused me a great deal of inconvenience and stress. Not only did the supervisor fail to help me resolve my dispute, but they took it upon themselves to make a decision that directly impacted my credit score and financial standing. 

I expect better from Capital One and its employees. I request that my account be reopened immediately and that the issue with the merchant be properly investigated and resolved. Additionally, I expect compensation for the inconvenience and stress caused by the incompetence of the supervisor assigned to my dispute. 

I appreciate your prompt attention to this matter and expect a timely resolution. 

This mistreatment is unlawful and financially harms consumers. I hope CFPB can help remedy this situation and hold Capital One accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : following items disputed XXXX   XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION XXXX VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX  : TRANSUNION : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : 09 XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT TRANSUNION COULDNT VERIFY UNDER SECTION 609. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit
Product: Mortgage

Our home equity loan was sold three times. The current owner of the loan West Coast servicing has not sent a detailed statement of the account since XXXX. The only correspondence we receive are delinquent notices with a lump sum that is due ; there are no details of the charges or recent payments to the account. I recently sent a request for this detailed information because I do not believe this amount they are requesting is correct. I wil attach the last full statement that we received from them dated X/XX/2016, and the subsequent delinquent notices that they send.
Product: Checking or savings account

Opened M & T MyChoice Premium Checking on XX/XX/22 with XXXX XXXX : XXXX Deposited {$10000.00} on XX/XX/22. Per the terms, I needed {$10000.00} monthly balance for the months of XXXX and XXXX and M & T would pay a {$350.00} bonus on XX/XX/22. The bonus still has not been paid. 

Additionally, if you deposited {$500.00} you would get a {$100.00} bonus. THAT bonus was paid, so I know the promo code was attached.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( Account number : XXXX )
Product: Debt collection

This has been paid for years now. It has showed up on my son 's credit report because we have the same name, Fox Collection is just moving it from one report to another. I want it removed from all three of my credit reports, and for their best interest it better not reappear on my son 's.
Product: Vehicle loan or lease

Exeter is the loan company my son and I are on loan together. he lost his job tried calling the company on XX/XX/2020 to let him know that he as no job and we need to see if we can change it over for me to be the primary loan holder. could not do that or take him off or see if can refinance and get a better interest rate. just wanted payment. interest is 29 percentage and was advised in the state of florida interest rate is only 24 percentage no higher. we are being charged more then the state requirements on interest. first car for my son had to get this loan underneath him as cosigner because he had no credit. per dealership was told interest is way to high for florida. would like to get interest better and see if can change it to just me and he be cosigner. did send in a complaint to the XXXX XXXX XXXX with no response from them yet. was sent in and waiting to hear from them official. any assist would be great. thank you
Product: Student loan

So the company that is on my credit report is not the place that student loan came from and they sold my information without my premission.I asked them to remove for 5 years nothing has been done.
Product: Debt collection

After going over my credit report and documents sent in by collection agency the balance thats being stated owed was XXXX and now is XXXX in which the supposedly original balance was XXXX I would like to see the original contract which prohibits you to collect interest on this debt, also the open date is stating XX/XX/2020 in which I highly doubt that was the date first delinquent and would also like to request documentation representing that because according to FCRA rules and Regulations it is illegal to report information to my report that is inaccurate, I demand appropriate documentation to prove this in fact is my account and the information that you are reporting to my report is accurate you sent in a print out of charges that are not validating what you have reported on my credit report!!
Product: Prepaid card

Starting XXXX XXXX, 2015 RUSHCARD prepaid services notified me saying they are updating the rushcard system from XXXX so that means no access to my funds. After XXXX XXXX XXXX I got a text messages stating that rushcard extended the maintenance until XXXX. I tried using my rushcard at the ATM that night and the ATM did not recognize my card. I called rushcard the next morning and the customer service representative could n't tell when I can use my funds again. I 'm nervous about the situation because I can lose my money I work hard for. I 'm so depressed I ca n't my bills that upcoming I do n't know what to do? It 's been three long days without my money. If you search rushcard on XXXX alot of people are suffering without their funds. I feel like XXXX XXXX does not care and his company is not telling customers the truth about what HAPPENED to our money. Please help meSincerely, XXXX XXXX
Product: Mortgage

I had a home mortage loan with Chase, which was paid off under a Chapter XXXX. Chase, and their servicing company XXXX, tried to over charge me by some {$23000.00}, and contested that the loan was actually paid off by the Bankruptcy trustee. They eventually reneged and acknowledged that I had indeed paid off my loan. They eventually gave me a refund for that over-payment ( {$4800.00} was refunded by Chase, and {$620.00} was refunded by SPS ). Keep in mind that this was MY money, being refunded to me by them, for a fraudulent overcharge. 

Last year, XXXX tried to issue me a IRS Form XXXX for the {$690.00}, and after a huge hassle and complaints to the Texas Department of Savings and Mortage Lending and the CFPB, they later issued me an amended XXXX which was zeroed-out. This year Chase has issued me a XXXX for the {$4800.00}. I called them repeatedly. They first tried to send me to XXXX, who told me that they had not issued the XXXX, and that it was Chase 's problem. After repeated calls, Chase reluctantly agreed to send my issue to Executive Priority Review ( File # XXXX ). I called today, and they are refusing to amend their XXXX, in effect, claiming my refunded money was income from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX XXXX XXXX  Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked XXXX and Equifax to verify the account and they deemed it accurate. My credit report of XXXX XXXX Equifax are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.
Product: Credit reporting

I spoke with XXXX XXXX Credit Card XX/XX/XXXX to ask them in good faith to remove the bad marks on my credit report which were only 3, 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from almost XX/XX/XXXX being the last date reported to now being XX/XX/XXXX. This has dramatically affected all XXXX of my credit reports for an account that was opened XX/XX/XXXX.
Product: Credit card or prepaid card

Victoria Secret CC Charge Off states I owe {$1200.00} I never opened this card it is not mines or have no knowledge of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XX/XX/XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30 XXXX  30 30 30 30 30 60 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXOn Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX. XXXX 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan  amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Checking or savings account

I had three accounts with XXXX, they were bought out by Citizens. I have tried to contact Citizens, if you call by phone the wait time on all four calls has been 45 minutes to 90 minutes. They offer no chat feature on their website, and they refuse to list a email to contact them. I wish I had the time to contact them, but I don't have 90 minutes to sit on the phone, it speaks volumes for how little Citizens values Customer Service. All I want to know is how do I access my accounts that were transferred, how do I change the auto withdrawal from XXXX to Citizens. I called XXXX, they told me that they have had so many calls complaining about Citizens, but they couldn't help me. I went back through emails, I found one from Citizens, but when you open it, it gives you little info other than Welcome to Citizens, if you hit contact us, you get three options, call us ( see above on the wait ), chat with us ( doesn't exist if you hit link, says coming soon ), email us ( says we wont take emails because they are unsecure ), thus impossible to contact. Since both XXXX and Citizens offer no help, I'm reaching out to you, so that I ca nat least access my accounts. Granted, I dont have a lot of money is the XXXX accounts, typically I use them as a pass through, but still it shouldn't be this difficult.
Product: Mortgage

We started with XXXX, sold to XXXX. Went thru a trial modification with XXXX and were told we we APPROVED FOR PERMANENT MODIFICATION, never received papers and then told " sorry, miscommunication, you 're not approved ''! Started MHA program application and XXXX sold loan to Select Portfolio. Have submitted docs to SPS thru HUD agency but SPS always says they never got them. HUD agency never got an answer from them so now they serve foreclosure notice. Sent SPS QWR but they send one doc and that 's it
Product: Debt collection

Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX