23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XX/XX/year> Two Vanilla Gift cards purchased at XXXXXXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$150.00}. 
Late XXXX : {$100.00} Gift Card mailed and recipient opened the packaging ( that did not appear to have been tampered with ) and discovered the card had the last digits scratched off and was unusable. Same story with the {$150.00} Gift Card. 
XX/XX/year> Contacted number on back of card to report fraud. I was given two case numbers : XXXX ( {$150.00} ) and XXXX ( {$100.00} ) and asked to submit photos of the cards and receipt. 
XX/XX/year> Submitted two emails, one for each case number, and included front and back photos of the gift cards as well as the receipt for proof of purchase. 
XX/XX/year> Called for update on case. Was told to wait 30 days and I would receive something in the mail regarding reimbursement for the {$100.00} gift card for obvious fraud ( received nothing ). 
XX/XX/year> Received an email requesting receipt with a case number ( XXXX ) that did not match either of my original case numbers. I was told it was a mistake and they did, indeed, have the required documents. Then told to call back the next day after a certain time, so the case could be escalated since we were just shy of their 30 day requirement. 
XX/XX/year> Spoke with rep this morning and get varying different stories and time frames. One case is escalated, one is in progress, must wait 45-90 days, speak to supervisor, retell the same stories and having to help them find the errors ( wrong case number ) and misinformation given. Add to that every interaction is usually an hour in length, cut off ( back in the queue again ) and response scripted and not addressing the issues. I feel that this company 's ( which I see has numerous complaints ) focus is to wear the customer down, so that they do not have to address the fraud issues on their cards. Since I seem to be getting nowhere, I am hoping that your intervention will help settle this issue and
Product: Credit reporting or other personal consumer reports

Hi, I've had a credit score since XXXX, ever since I opened a credit card with XXXX XXXX. However, I am unable to view my credit score or report on experian or equifax. I can collect the information from XXXX, so I know I have a credit score and history. I have been on the call with XXXX and XXXX for hours and they have not given me a solution. I am not sure how to proceed.
Product: Debt collection

The company XXXXXXXX XXXX XXXXXXXX and it's affiliate or partner LVNV funding has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. 

Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX '' " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. 

The last letter I received was on XX/XX/XXXX stating the account has been assigned to XXXX XXXX  XXXX. As well as received a call from XXXX XXXX  XXXX on XX/XX/XXXX at XXXXXXXX XXXX
Product: Checking or savings account

on XXXX and XX/XX/XXXX someone managed to clone my debit card and withdrew a total of {$3000.00} from the same ATM at a local XXXX. Navy Federal failed to detect fraudulent activity even though the perpetrators entered my pin incorrectly at least once and the transactions were way past my spending habits. on XX/XX/XXXX the perpetrator attempted to withdraw some more money but it was then when Navy Federal detected fraudulent activity and notified me via text followed by a phone call. I checked my purse to make sure my card was still there and indeed my card hadnt been stolen or misplaced so I had no idea how this was happening. The representative deactivated my card and went over my last 3-5 transactions but failed to notify me that money had already been taken out at that same ATM where they detected the fraud. It wasn't Until I went to the actual branch on XX/XX/XXXX to deposit a check when I noticed I had a lot less money than I thought I had and reported the fraud to someone at the branch who helped me open a fraud claim. It was that weekend where my claim was denied so i got the police involved and on XX/XX/XXXX I had to take off work and had a police officer dispatched to me to that same ATM location to investigate what I reported. The officer witnessed more than one individual conducting these transactions and therefor opened an investigation. I provided a police verification report to navy federal in order to appeal their decision and was denied again based on them saying " my actual chip was used '' I provided a redacted version of the police report where it states in detail what the officer saw and Navy Federal still refuses to be responsible for the {$3000.00} that were stolen from me. Every single time I call they are not helpful and arent specific on what documentation they need from me in order to prove these transactions were not done with my original debit card.
Product: Payday loan, title loan, or personal loan

Took out a loan on XXXX/XXXX/XXXX. Had a death in my family and extensive medical bills and notified them on XXXX/XXXX/XXXX that I had done research on their loans and that they are not legal in Illinois. At that time, I also advised them that I was revoking my ACH authorization and revoked my authorization to contact me via phone and revoked my authorization to contact my references. Received a phone call at both my office and cell phone number on XXXX/XXXX/XXXX. Called them back and reiterated my revocation of ACH and contact. They attempted to debit my checking account via ACH again on XXXX/XXXX/XXXX by which point, they should have been able to stop ACH withdrawls. They contacted me again via phone on XXXX/XXXX/XXXX as well as contacted my references.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago I initiated dispute with XXXX because I wanted the account to reflect the current total balance of my USAA card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but XXXX was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my XXXX, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my XXXX  report and it hurt my credit score. I called both XXXX and Usaa several times and I can not get them to put the card back on XXXX  and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the XXXX  score.
Product: Debt collection

My bill for XXXX was x amount of dollars I called them them in attempt to pay it off and turns out they are saying it's much higher that's the bill no sort of interest etc on top of the price I actually called them a number of times and they are sticking with it and I don't know how to fix it.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention a deeply troubling issue regarding the accuracy and consistency of information within my credit reports, which has severe ramifications on my financial standing and future opportunities. 

Upon reviewing my credit reports from all three major credit bureaus, I have discovered numerous instances where closed accounts are incorrectly reported as active or open. This egregious error not only misrepresents my financial history but also creates a false impression of my credit utilization and risk to potential lenders. 

What exacerbates this issue is the alarming lack of consistency among the credit bureaus. Each report presents different information, further complicating the matter and casting doubt on the reliability of the entire credit reporting system. As a result, I am left in a state of uncertainty regarding the true state of my creditworthiness and unable to make informed financial decisions. 

Furthermore, despite submitting disputes regarding these inaccuracies since XX/XX/year>, I have received no acknowledgment or resolution from any of the credit bureaus. This lack of responsiveness is unacceptable and only adds to the frustration and distress caused by this situation. 

It is imperative that the Consumer Financial Protection Bureau intervene immediately to address these issues and ensure that my credit reports accurately reflect my financial history. I urge you to conduct a thorough investigation into the reporting practices of the credit bureaus and take decisive action to rectify the inaccuracies in my credit reports. 

Additionally, I request that measures be implemented to enhance oversight and accountability within the credit reporting industry to prevent such egregious errors from occurring in the future. Every consumer deserves fair and accurate reporting of their credit information, and it is incumbent upon regulatory bodies like yours to uphold this fundamental right. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to resolve these issues and restore integrity to the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my Experian credit report ( which I do everyday ). And I noticed a change from XX/XX/XXXX to XX/XX/XXXX. The report prior to XX/XX/XXXX seemed to be normal. The report on XX/XX/XXXX had XXXX point ( mortgage ) score droppage overnight ; however, nothing has changed on either report. I have fine tooth combed both reports and see no change other than the score droppage. For the FICO 2 score, it states that I have " consumer finance '' accounts on report XX/XX/XXXX ; however the report on XX/XX/XXXX and the ones prior, that was not listed under the FICO 2 reason for the score. I don't understand why this has happened ; but I think this is incorrect somewhere and I would like higher level personnel to take a look at this. I have attached both reports for your review.
Product: Checking or savings account

My name is XXXX XXXX my debit card ending in XXXX isnt working right right it keeping getting declined online and stuff my account number is XXXX and my online bank username is XXXX please also update my number on it to XXXX because the phone support wont help me fix my issue with my declined card or update my number please do both if you see any restrictions or blocks on the account please remove them please contact me at XXXX about complaint.
Product: Credit reporting

Experian has NEVER investigated any of my accounts and that 's a violation of section 1681 of the FCRA - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.
Product: Credit card or prepaid card

Citibank abruptly ( and without notice ) closed all of my checking and credit accounts. I had been a customer for over 14 years with no negative/late payment history. In particular, two credit card accounts which I had paid a {$450.00} annual fee for, were closed and the bank refused to refund the annual fees.

I am also seeking to receive a monetary credit for the 500k+ rewards points I had earned from legitimate spend on the account.
Product: Money transfer, virtual currency, or money service

Hello dear gentlemen and ladies, I wanted to register an account with Wise Bank, so I sent them {$23.00} and a payment order that they accepted without any issues. However, when I called the XXXX XXXX, they told me that they had received my money but rejected it for some unknown reason. The money was not refunded to my bank account either. I demand that they open an account for me at Wise Bank as soon as possible, since they have not given me back my money or pointed out any mistakes on my part. Here is the complaint I wrote to them : case id is # XXXX. 
On XX/XX/XXXX, I made a payment of {$23.00} through my banking account to Wise Bank. However, my funds have not been credited to my account. On XX/XX/year>, I contacted your customer service at XXXX, and I was informed that the money had indeed arrived but was rejected for an unknown reason. 
Since XX/XX/XXXX, I have submitted numerous requests to your support center, only to receive misleading information. Your representatives claimed that my bank did not transfer the funds and advised me to contact my bank directly. This situation has caused significant inconvenience and frustration. 
I kindly request that you promptly investigate the matter, locate my funds, and take appropriate action against those responsible. I have attached the payment order and the responses I received from your Support Center for your reference.

Thank you for your attention to this urgent matter. I look forward to a swift resolution. 
I am also sending you an extract from my email so you can see how long this correspondence with your support center lasted.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.National credit system Account number : XXXX, has violated my rights. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Consumer Loan

I started a deed to land contract with XXXX XXXX XXXX XX/XX/XXXX. The loan was then sold to Clear Spring Loans XX/XX/XXXX. This company then started to report this as a conventional home loan/mortgage. I have never had a home loan or mortgage with this company nor any other company and I am looking to have this and all record of it removed from my credit report. I have repeatedly contacted this company in writing and in phone calls to have this resolved and have not been given anything in writing and definitely nothing in the phone calls. They have since started to report incorrect late payments on my report and have stopped reporting ontime payments. They are intentionally hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I submitted a dispute on an old XXXX XXXX XXXX XXXX credit card that is no longer open with Experian. They have 30 day late marks on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called the creditor XXXX XXXX to have the statements of these dates sent. I was never 30 days late on this account. I submitted every statement from the dates listed above and the preceeding months to prove I was never 30 days late. Experian finished the report on XX/XX/XXXX saying that they arent changing anything. This account is also reported by experian to have a {$15000.00} balance which isn't possible because the card and account no longer exist. The dispute report number is XXXX. I need this rectified as it is hurting my credit and would like to apply for a mortgage!
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I hope this email finds you well. We are a small trading company based in XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. I am writing to bring to your kind attention a critical issue regarding a recent payment transaction involving Navy Federal Credit Union. 

On XXXX XX/XX/year>, we initiated a XXXX  XXXX payment of XXXX {$89000.00} in favor of XXXX XXXX XXXX, account number XXXX, with Navy Federal Credit Union as the beneficiary bank XXXX XXXX XXXX : XXXX ). However, to our dismay, Navy Federal erroneously credited the account of XXXX XXXX XXXX. XXXX, a fraudulent company that impersonates an associate of XXXX XXXX XXXX. ( XXXX XXXX ). 

The following points highlight the severity of this situation : XXXX Credit in scammer XXXX : Despite details clearly mentioned in XXXX XXXX instructions, Navy Federal failed to follow the instructions. Navy Federal should have hold the funds & checked with us if payment should be credited to XXXX XXXX XXXXXXXX XXXX since XXXX  XXXX instructions mentioned XXXX XXXX XXXX. but the account details belong to XXXX XXXX XXXX XXXX If we would have known that its an XXXX company, than we would never have proceeded with the payment in first place. 

XXXX. Fraudulent Impersonation : This scammer XXXX XXXX XXXX. deliberately misled us by providing documentation under the name of XXXX. They deliberately wrote only XXXX XXXX XXXX. in bank details & Navy Federal blunder helped this scammer in scamming us. Their fraudulent actions have caused significant financial distress for our company. 

XXXX. Capital Loss : As a small business, we invested our entire capital in this transaction. The delay in resolving this matter has severely impacted our operations and financial stability. 

4. Mental Harassment : The prolonged wait for the return of funds from Navy Federal has caused immense stress and mental hardship for our team.
Product: Credit card

Failure to provide requested information, therefore it is unverified. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My payment on my Capital One bank credit card will due every XXXX of the month, and I never have had a late payment. This month I was having a financial problem and I called Their customer representative ( XXXX ) to help me out to move my payment date on XX/XX/XXXX, instead of XX/XX/XXXX because my income finances will come on XX/XX/XXXX. I also asked to lower my minimum payment to a {$100.00}. They refused to help me because of they said company policy. They said it will happen but it will reflect after two months. I said I don't need their help that time because my due will be on XX/XX/XXXX. I asked for the manager and The customer representative passed it to their senior supervisor by the name XXXX # XXXX, I asked her to do it for me but she said she can not do anything about it because of their policy. I asked her someone who is more higher to do it but she said she is the highest phone person to talked to, so it means no one can help me but her. I asked her for her consideration because I was a good customer with them but she kept on saying it's their policy. I told her I will file a complaint but she just intimidated me and she said what I am going to complaint? for making a payment late she said. I called them for their help so I could prevent a charged fee and a bad credit history but it seems like their customer service is not real.
Product: Credit card or prepaid card

There were 2 Transactions i did not approve back a couple of months. I only use this card when i rent rental cars and onstar. I thought i was paying off a rental car i got, but then all of the suddent i got 2 charges from a pet hospital. I do not even own a pet ....
I have tried to reach out to Citi multiple times but they are not letting me know what the status is. I just want my account credited while the look into this.
Date : XX/XX/XXXX andXX/XX/XXXX Amounts of {$1700.00} and {$870.00}.
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report today, and I cant figure out the cause. I checked as I always do, but this time, discrepancies appeared unexpectedly. After refreshing the page multiple times, I realized it wasnt a technical issue. Im really upset and want the documents I provided to be thoroughly reviewed so I wont have to deal with this stress again.