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

Ive tried to reach out to cabelas club card financed through capital one bank. The interest is 28 % variable. I've tried to talk to them about lowering my interest. They said they cant do anything about it. Customer service has also said there is no one i can talk to about it. please help!
Product: Credit reporting or other personal consumer reports

I did not authorized the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Well I did application online for Prosper now theres supposed to account from there firm been calling and emailing me he has all my information he acting like hes Prosper and he must have there system hacked because he knew to much Hes been calling from XXXX XXXX XXXX he says his name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

On XX/XX/XXXX I was contacted by comenity bank About a debt of a relative of mine. I advised the person it was a distant cousin and I have nothing to do with them and asked them not to contact me about this. In my line of business I answer every call since it I have several clients and customers that contact me. A week passed and I was contacted again however this time they were more aggressive and said for me to get the message to her or give me her number. I asked for a supervisor and asked to be removed again I also asked how did they link me we have totally different addresses and she is my 3rd cousin. They told me they legally can investigate to see how we are related Im guessing social media and they then will contact me. Not one time have I ever been late with this company or have had issues with billing. They have now sold this account to a third party collection agency and attached my phone number as the point of contact and they are now harassing me telling me to make this easy and just give them a way to contact my distance cousin. I have tried to reason with every company however they continue to harass me and say it is legal for them to continue to contact me regarding someone elses debt! 
I have opened a complaint several times threw supervisors and have now opened a XXXX complaint as well as this one to make the harassing calls stop I have also closed and paid all accounts with the company and advised to remove me from all contact lists as I with to never be contacted by them again!
Product: Mortgage

A detailed description is attached but basically Ruoff Mortgage sent me a pre-approval letter for a product they didnt have, but didnt tell me until after I accepted a counter-offer on a house. This physicians loan is advertised extensively on their website but they later told me they dont have that product but only after I was under contract to close in 35 days. Thats fraud and predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file for bankruptcy CHXXXX on XX/XX/XXXX and the discharge of Debtor and Final Decree was issued and dated XX/XX/XXXX. On my XXXX and XXXX Credit Reports all of my accounts included in my Bankruptcy show as paid and/or included in Bankruptcy but on my Equifax Credit Report all the accounts included in my Bankruptcy are being reported as Negative Status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to unfairly deny me a credit line increase for my XXXX and XXXX accounts. XXXX XXXX has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with Experian Special Services and their Fraud Unit, Experian said XXXX XXXX is providing " misleading information '' related to my credit report. Experian confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. Experian confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. XXXX XXXX is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against XXXX XXXX for violating my rights time and time again. Experian outlined that the information presented by XXXX XXXX in relation to my score is outdated and not valid. Experian suggested that XXXX XXXX ask for or review a current credit report that outlines the facts.
Product: Credit reporting or other personal consumer reports

The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that XXXX being held back by errors that should not be there.
Product: Checking or savings account

I had asked for a loan from lending XXXX and I already was receiving SSI payment since XXXX they didn't give me my SSI benefits for that month and they sent the checks back to lending XXXX
Product: Checking or savings account

XX/XX/XXXX Saw XXXX pending transactions for XXXX XXXX using my PayPal debit card that I did not make. I called PayPal to report this. Representative said it would take an hour to resolve. I called back XXXX XXXX hours later after seeing nothing had been done and the charges were still pending. That person said it would take XXXX hours to resolve. At XXXX XXXX  PST on XX/XX/XXXX PayPal paid XXXX XXXX. I filed fraud on the XXXX charges online at that time. On XX/XX/XXXX PayPal ruled that the charges were not fraudulent because I had the money in my account to cover the XXXX plus dollars and that it appeared to be charges I would make. I called them again and said I have never purchased tickets from ticket master, and the history on the card would show I use it for commercial type purchases including XXXX, office supplies, XXXX and XXXX XXXX, shipping supplies, XXXX XXXX and shipping supplies, XXXX XXXX for shop supplies. We also get cash with the card for shop purchases. The person said it would take XXXX hours to resolve. On the XX/XX/XXXX I again called, asking for a refund of the money. They said it would take two business days and I requested a manager to call. No one called. That person had refiled the complaint. On XX/XX/XXXX they said the charges were not fraud. I called again, while waiting on the phone, the fraud department at PayPal emailed and said the charges were legitimate. On XX/XX/XXXX I called XXXX XXXX and filed fraud charges with them. They took the information and said someone would call or email in XXXX hours. XX/XX/XXXX hours later I called back. Someone would email me XXXX to XXXX hours later. I have called both PayPal and XXXX XXXX a couple more times and have not gotten any information or a call back. I am at wits end.
Product: Credit card or prepaid card

BofA frooze my XXXX prepaid account after i reported a XXXX dollar transaction that i did not make. I tried to call them several times to fix it. I still have not got any of the money back and theyve also kept the XXXX i still had remaining and the next deposit of XXXX that XXXX put on there.
Product: Checking or savings account

My account with US Bank has been set to close since the XXXX of XXXX which is exactly a month ago. Since then I have received no correspondence to this affair and my funds are being held for reasons unknown as the closure process has yet to be initiated and all " fraudulent activity '' on my account and on my funds were authorized by myself as well as confirmed with staff to be done on my own accord. After receiving an exceptionally corporate and unperson-able response to my last complaint, I would like to point out you have committed fraud yourself by lying about a piece of correspondence which you claim was sent and responded to XX/XX/XXXX when I have only just received it in the mail yesterday as of XX/XX/XXXX. Spoiler alert, mail within the united states takes a maximum of three business days to reach your recipient. Stop the XXXX, give me my remaining funds and you can stop wasting my time. What an unprofessional financial institution, stop with the corporate XXXX and give me my remaining funds before you face a legal battle that will cost you more than the funds that remain.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX I contacted Chase that there were unauthorized charges on my credit/debit card in the following amounts : {$260.00} XXXX XXXX {$300.00} XXXX {$470.00} XXXX {$480.00} XXXX I reported that my card was stolen. 

On XX/XX/XXXX I completed the enclosed form and was given a temporary credit on XX/XX/XXXX. ( see attached forms ) On XX/XX/XXXX I was advised that they would be removing the temporary credit. When I contacted them they advised that since the PIN was used they were legitimate purchases. I again advised them that my card was stolen and that I had not made the purchases.
Product: Credit card or prepaid card

Seems all banks practicing the Same practice of XXXX XXXX XXXXXXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards. 

Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward.

again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB XXXX XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system
Product: Mortgage

A couple years ago I was loosing my house I had a first and a second. I did a modification with a young man i cant remember his name. I was verbally told that the first would be modified and that the bank erased my second. I have not paid on the second for years, I 100 % thought that the second was erased because I have not received ANY paper or call or anything about that second ever since the modification. Well recently i got my self in trouble again and I was working with a Real estate agent, he told me we needed to do shortsale so I submitted my paperwork. After a few months XXXX came back and responded that they denied the shortsale because the property had equity and that the balance was XXXX Just like the modification had mentioned. So I decided to sell the house like a normal person would. Well when escrow was looking into the file they asked XXXX regarding the XXXX. XXXX took days and even couldnt find the loan. Finally they gave me payoff for the first and then gave me a payoff for the second. I could n't believe it, I have not heard a peep about the second at all and now XXXX comes out stating that they found the XXXX. I think its odd since the attached modification paperwork states my new loan balance and I was told by the lender that my second was wiped out. Evidence that they have not made contact in years regarding the second and it doesnt even show up in my credit report! Well I didnt know who to contact since XXXX sounds lost when i call them they couldnt even find the second on their system until days later or weeks in the case of the short sale.
Product: Checking or savings account

XX/XX/XXXX XXXX unauthorized withdrawals on wife debit card XXXX {$500.00} {$300.00} {$770.00} {$550.00} $ {$620.00} {$520.00} {$620.00} XX/XX/XXXX Bank called XXXX ( wife ). She said she did not do the XXXX withdrawals to bet XXXX XXXX XXXX unauthorized XXXX  processed XX/XX/XXXX XXXX called all day saying he did not do they charges XX/XX/XXXX XXXX got XXXX emails that they were done with investigation and closed the XXXX claim and said they are not reimbursing The XXXX unauthorized transactions occurred on hard XXXX XXXX XXXX out of XXXX  on the same day I have no clue what that App is.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a STUDENT LOAN opened with DEPARTMENT OF EDUCATION XXXX  on XXXX, XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan

On XXXX XXXX, 2015 I initiated an online payday loan with Mobiloans LLC. Initial spoke to a representative and was assured they were in compliance with Oklahoma State Law and Federal Regulations. After never receiving proper loan document and further investigation, I am be charged fees in excess of allowable interest ( in excess 600 % ) - They have also changed my payment terms to from monthly to bi-monthly by means of ACH without my consent. If you atempt to resolve via telephone - the representative becomes beligerant and threat of vioaltions regarding siesure of bank accounts or imprisonment. These folks claim XXXX, however, finding your investgation against them, they are not excused from federal regualtion.
Product: Credit reporting

I am a XXXX father struggling to correct my credit profile. I recently paid XXXX accounts in collections, and opened XXXX new credit card accounts for the XXXX time in years. My credit was that bad. Experian and XXXX worked with me and helped out huge, from deleting items that were not supposed to be on my reports, to getting back to me in a more than timely manner on other matters. EQUIFAX on the other hand, is doing the opposite. I 'm trying to remove a credit inquiry that XXXX XXXX inquired XXXX on me ( XXXX in XXXX days ), and since they are the same type and close in date, they should be deleted. Only EQUIFAX REFUSED TO DO SO. The other XXXX agencies did it on the phone, right then and there with a single additional question. They knew it should n't of been there. EQUIFAX, who I have called XXXX times in 2 weeks, speaking with XXXX people, say they are not removing it. This is absurd. How are these people in charge of our credit scores and reports??? I really need help with this, and little as it may sound to some, it is important to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion and spoke with several customer service representatives who were able to confirm that the Security Breach happened not once but twice in XXXX and XXXX. With good faith, I asked them to have the inquiry removed due to it being illegally re-added. However, they refused to fix their error on my credit report. I asked to speak with someone in the Special Handlings department and was left on hold for 45 minutes just to be hung up on. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this.
Product: Debt collection

I received a granishment notice XXXX XXXX # XXXX on a debt that I had no knowledge about from XXXX XXXX. I called the creditor to get information on the debt and they claim the judgement for a debt that was my ex-husband 's is now my responsibility. I received no notice and not even was serviced with the notice of a judgment or a renewal of judgement. I now have been paying a debt that is not my responsibility and also offered my divorce decree to show proof that in my divorce decree it states specifically that that we are responsible for our own debts. They refused to accept because they can not garnish his wages because he owns a business. They were not interested in have his bank account to garnish either and were satisfied with continuing to make me pay for the debt that is not mine. They even went to the extent of stating some of it is actually mine. The lesser part is mine. Which was paid to way back in 2007 to another credit debt collector that the business is now closed. When I called the clerk of court she verified that no service was sent to me and only my ex ( XXXX XXXX ) received the service of the renewal of judgement. I never even received the service of the original judgement either. They are now garnishing me for XXXX. This sounds like alot of fraud just to hold someone responsible for a debt that someone refuses to pay. The medical bills are for XXXX and in no way shape or form should I be held responsible for his debt! This needs to be corrected and rectified. I should NOT be held responsible for my ex husband 's debts, it even states it in the divorce decree. I have attempted to call several times and talked to a very rude man that kept saying he doesn't care, not his problem as long as they are getting paid. IF I EVER WAS NOTIFIED OF THIS JUDGMENT I SURELY WOULD HAVE DISPUTED IT THEN AND EVEN WENT TO COURT REGARDING IT!!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account- though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX