23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Tried to use my debit card at XXXX XXXX. Transaction got labeled fraud and was unable to unlock card. Bank was unable to remove security hold. I was unable to access funds from atm. No one was able to explain how XXXX XXXX was fraud, unwilling to assist.
Product: Credit card or prepaid card

I have a Discover cash-back credit card since XXXX with no unusual events. On XX/XX/XXXX, I received an email to join a 5 % cash back promotion ( attached a copy ), and I successfully activated the promotion. 
Suspiciously, a few weeks later, I received a new card in the mail, with the same card number, but different benefits ( travel, miles card ). The note says nothing about why Discover changed my card arbitrarily and without contacting me, let alone getting my  permission. 
On XX/XX/XXXXat XXXX EST I called Discover customer service, and after speaking to a supervisor I was told that the issue would be fixed immediately. I was instructed to keep using my cash-back old card, discarding the new miles card without activating it. 
I followed the instructions explicitly. 
On XX/XX/XXXX I logged in to my Discover home page, and was stunned to find out that the card on the account is actually the new, never-activated, miles card. The card number is the same as my current cash-back card. 
There is nothing about the 5 % cash special promotion cash back as well. 
I then called the customer service ( on XX/XX/XXXX, XXXX EST ) and was told that the supervisor from the prior call was wrong, and that Discover can't revert the card change, nor providing me the 5 % cash back that was promised. I asked to be transferred to a supervisor, and the call disconnected. I have never received any call back.
Product: Credit reporting or other personal consumer reports

Im being denied for credit because Experian have an updated My phone number To the fraud message alert, so Im keep being declined for credit. Ive called Experian to get them to update it and its still not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Debt collection

Midland Credit Management calls me on a daily basis about XXXX times. In addition, as soon as I pick up the use my husbands name, which is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed under XXXX, XXXX XXXX XXXX in which I have not been notified of any monies due. The provider has neither sent me a bill nor connected with me for collection. As a part of the fair reporting act the debt collector should be responsible to contact the consumer but the research neither shows this had occurred and dispute being upheld. Further I have never lived in northern california and stop residing in california in 2014, and claim is showing as recent. The dispute process through experian should be similiar to if the consumer drafts a dispute but they do not seem to even look into the case and people are heavily impacted. especially on fraudulent medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I setttled my Citi bank account LEGALLY. The credit bureaus & Citi have yet to update this information. Instead they updated it to that I made payment but still owe. The letter I have here showes proof that my obilgation to the debt has ben satisfied. I am in the process of gejtting a house and this information is making that process extremely difficult. This includes the negative payment reported for XXXX when my payment was made in XXXX.
Product: Debt collection

This debt was paid directly to the medical provider billing company in the amount of {$560.00}. The billing company is XXXX XXXX. The invoice was paid on XXXX. 

I recently discovered a collection for an amount of {$1600.00}. The collection company is : BUDGET CONTROL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX I called the collection company and they advised the collection is valid, and that I owed the money. LIED! 

BCS shoud be fined for their deceitful actions. XXXX XXXX notified BCS in late XXXX that my account was paid in FULL. BCS was aware for 41 days of the zero balance, failed to update my credit report, and attempted to collect an additional {$1100.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent Inaccurate and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following accounts and/or items on my credit report were opened or used fraudulently without my knowledge or consent. As required by 15 U.S.C. 1681c-1, I request that these fraudulent items be removed from my credit report and that any party who has received my credit report in the past year be notified of these changes.
Product: Checking or savings account

On XX/XX/17 I got an alert from Chase about increased activity and a " corrupted pin number ''. I told agent which charges were not mine. She credited me. Then today I got another letter from Chase saying they were not crediting me, withdrew the money and added the fees because thief used a non-Chase atm! Manager at Chase stated there was " no way my card was compromised " if I still had it in my possession. I was told that the investigation did not include looking at the Chase ATM footage .He said " other people have given friends their cards and Pins then falsely claim money was stole. '' He told me my case was closed and I would have to go to Police and get a subpoena to have someone look at the Chase ATM. It's not alot of money but its all I have. I had been an established customer for some years with this bank. I feel I was discriminated against and prejudged because I am a young female. How do I try to get it back,
Product: Money transfer, virtual currency, or money service

Made purchases on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$300.00} with my debit card on Coinbase. Transactions posted and went through. On XX/XX/XXXX the same amounts were charged again without my authorization and posted ( they are not pending ). Hundreds of other people have been having the same problem and no one can get in touch with Coinbase support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union was contacted by me on XX/XX/2017 regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with Trans union to have their inquiry deleted. When I contacted Trans Union today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$43000.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report.
Product: Checking or savings account

On XXXX I transferred funds from a linked bank account and was informed that it would take up to 14 days to clear in an email on XXXX. 
On XX/XX/XXXX I was informed via email that my account was " suspended '' or " restricted '' and to call to discuss things. 
On XX/XX/XXXX I called and was informed that they needed to verify my linked bank account from the XXXX deposit to lift the suspension. This required a " XXXX way call '' with the other bank. I allowed this, but the other bank ( XXXX XXXX XXXX XXXX XXXX ) has security policies that do not allow for 3 way calls like this. I was informed by XXXX that since XXXX XXXX would not do anything else, that my account was still suspended, but should be resolved in a few days. 
On XX/XX/XXXX I called Upgrade because my account is still entirely frozen and was told they needed to call XXXX XXXX again to try to verify a linked account. I allowed it again, but XXXX XXXX again stated their policy regarding not allowing 3 way calls. The supervisor with Upgrade informed me that this was likely enough to lift the suspension within the next 3 business days. When I enquired about the possibility to just close my Upgrade account, I was informed that I could not close the account and get my money from it while it was still under restriction. 
As of XXXX, now more than 1 month since my XXXX deposit my entire account is still locked. This is in addition to the XXXX deposit being locked. For over a month Upgrade has held all of my assets in restriction ( over {$18000.00} ) and has repeatedly not done what they said they would do to allow me to use my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my account with TransUnion. Yesterday I tried to go on their website to remove this credit freeze because I need to change my cell phone company and I cant do it because of this issue. In the process of me creating an account they couldnt verify my identity. I proceeded to call the customer service number and the individual I spoke to still for some reason couldnt verify my identity and gave me another phone number to call. I called the number that was given to me and asked to speak to a manager. I was transferred to someone by the name of XXXX XXXX who claimed to be a manager. She refused to assist me because I could not recall the PIN number I had used over a year ago when I first placed this credit freeze on my account with TransUnion. It is ludicrous that they are refusing to remove this credit freeze from my account because I can not recall a PIN number that was used once over a year ago. I can not conduct business because of this companies refusal to help me remove this credit freeze. Its unprofessional and its affecting my life in a negative matter.
Product: Credit card

15 U.S.C. 1601 is a section of the United States Code that establishes the purpose of subchapter I of Chapter 41 of Title 15, which is consumer credit cost disclosure. The purpose of this subchapter is to ensure that credit terms are disclosed in a meaningful way so that consumers can : Compare credit terms Avoid using credit without fully understanding it Protect themselves from unfair or inaccurate credit billing and credit card practices The Truth in Lending Act ( TILA ) is Title I of the Consumer Credit Protection Act, which is covered by 15 U.S.C. 1601-1667f. The TILA protects consumers from unfair or inaccurate credit billing and credit card practices. It also requires lenders to provide loan cost information so that consumers can compare different types of loans. 
I sent a cease and desist notice to each company for XXXX XXXX and company has still been communicating thru mail, email, and over the phone I ask the company for my original contract and validation of debt with 2 wet signatures and company has not provided but threatened more money from my all-caps name I am a living man of God I am not deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : - XXXX XXXX XXXX  XXXX Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A- 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XX/XX/XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XX/XX/XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$5600.00} XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I see that you are reporting erroneous address information on my credit report. That I have tried to remove many times, I will be in the process of applying for a loan application and these errors may cause a problem with my credit scores reporting correctly, so any assistance you may give me with updating this personal information as soon as possible would be very helpful and greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I ask that you delete any other address ( es ) from my report that should not be reporting. Any information that is inaccurate or untruthful, that would be considered in violation of the FCRA. 
If an actual wrong address is reporting, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown address reporting. Delete inaccurate this information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unknown address reporting. Delete this inaccurate information. 
I have included proof of my current address and my social security number for your review of my personal information and I would need a updated copy of my credit report to reflect these changes made in order for my credit report to be correct. 
Thanking you in advance.
Product: Bank account or service

On the following dates I used Navy Federal Credit to make Bill Payment to following account at XXXX XXXX and XXXX XXXX XXXX XXXX I contact my to inquiries on payment that was sent by bill pay. XXXX XXXX contacted me and I was not available then call back on XXXX XXXX, 2015 and spoke with XXXX from Navy Federal Credit Union who contact XXXX XXXX while I was on the phone I received various bill from XXXX XXXX and XXXX XXXX XXXX XXXX which will require the bank contact the individually regarding the receipt of payment the first contact XXXX was asking question about the account on the statement when they should be either put my name, or the account that was given by the bank XXXX. XXXX indicated the they had different account number from the one they sent me stating I have miss payment. The Navy Federal Credit Union Confirmation Number is XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$390.00}, XXXX for {$35.00}, XXXX for {$35.00}, XXXX for {$100.00} I request XXXX to send letter and ask them to verify method of payment because they can confirmed the checks has been paid and the amount was with withdraw from my checking account and XXXX was not very help she was will give private information to XXXX. I had inforned her several times not to release this information, Please investigate the Navy Federal Credit Union and XXXX XXXX, XXXX XXXX XXXX XXXX and ensure they working according to United States Federal Regulations
Product: Credit reporting or other personal consumer reports

In 2012 I sent money to XXXX XXXX first was XXXX, then XXXX then XXXX which they matched the amount of the secured card. And stated once I graduated they would return the full deposit. So after that the card was paid down and then during pandemic cards stared either lowering or closing cards all together. I asked them to return any unused portion of the deposit. Have disputed it with the 3 bureaus an still on my report and til this day no funds have been issued. Nor a letter stating why they haven't returned in all these yrs, since they closed my account. Per experian they show invalid dates and per the FCRA, it shows they are not following the steps and haven't provided accurate or updated information to me US code 1679c. I would please ask that the inaccurate account be removed and never be put back as retaliation
Product: Credit reporting or other personal consumer reports

As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. These inquiries are not a result of any actions or credit applications initiated by me, and I believe they were added to my report in error or without my consent. 

I have already contacted the credit reporting agencies and the companies responsible for these inquiries but have not received satisfactory responses or resolution. As a result, I am seeking your assistance in investigating this matter further and removing the unauthorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is a total of XXXX inquires
Product: Student loan

After having paid off loan 1-02 Direct Loan - Unsubsidized on XXXX for {$1600.00}, I called customer service to have my autopay loan 1-07 DL Consolidated - Unsubsidized payment adjusted to match what it had been in prior months. Every month that I finish paying off one of my loans, Navient will change the amount of the autopay being paid to the higher interest loans and always in their favor. For example, instead of adjusting the payment schedule on the lower interest loans, they always short the highest interest loans. 

When they finally adjusted the payment allocation correctly to loan 1-07 DL Consolidated - Unsubsidized in XXXX, they opened one of my paid off loans ( 1-02 Direct Loan - Unsubsidized ) and added a principal balance of {$110.00}. How is it possible that after I have paid off a loan in totality can they reopen the loan to add back principal when I have other loans that are still outstanding that they can adjust? 

This is a monthly occurrence with Navient and they have abused their role as a student loan service provider.