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

I purchased a washer and dryer online from the Home Depot website. During the purchase I read that if I open a Home Depot credit card I will receive a {$100.00} credit on my first purchase. I decided to do that and purchased the items for a total of {$1500.00} with a scheduled delivery date of XX/XX/2019. With the promised {$100.00} credit for my first purchase the total should have been adjusted to {$1400.00}. While I was at the local Home Depot in XXXX XXXX, NY on XX/XX/2019 to purchase some unrelated items I decided to look at the washer and dryer floor models I purchased online and noticed that they were selling for {$50.00} each lower than the price I received online. I asked a sales associate if the price I paid the week before could be adjusted to the sale price, they told me they could but I would have to go to the XXXX, NY store to receive the credit because it was registered as a sale from their store. I drove to the XXXX store and spoke to a sales associate there and they credited my original purchase price {$100.00} plus tax for a total of {$100.00} credit. The total cost of the purchase should have been {$1300.00} with the credit for the sale price and the separate credit of {$100.00} for opening a Home Depot credit card. I called the credit card representative and explained the discrepancy when I received my credit card statement and they explained to me that they can not give both credits. I explained that if I purchased the items on sale and opened a credit card account I would have received the {$100.00} credit for opening the account but the associate I spoke to, XXXX # XXXX, stated it does not work like that and they can not give 2 credits for the same items. I believe the {$100.00} credit is separate and distinct from the credit I received because the item was on sale. When I opened the credit card account I was told by the representative that I would receive the {$100.00} credit for opening the account. It does not state You can not get the {$100.00} credit if the items purchased are on sale.
Product: Student loan

I have asked Mohela multiple times not to place my account into forbearance because I am working towards PSLF & they have done exactly that 4 times now. It is impossible to get anyone on the phone. Messages sent do not get a response. I have been moved from servicer to servicer for my student loans, but this has been a complete disaster & is just getting worse by the day. 

MOHELA is terrible at servicing student loans. Borrowers routinely document egregious servicing failures, including hours-long wait times to get help, delayed and lost paperwork, and incorrect information across MOHELA 's website, email communications, and social media. They have a complex call deflection scheme, which diverted borrowers away from help, even when it knew that millions of borrowers had problems that could only be solved by a live person.
Product: Debt collection

The original debt is with property XXXX XXXX XXXXXXXX XXXX  realty living there 2 years I was never late. I moved out because I had a serious problem with the property manager XXXX XXXX with renewing lease the correct terms promised. 
She lied about my final bill after I moved out. I told the professional debt company and disputed the amount and I emailed the property manger again she did not respond and they put it on my credit a wrong amount of {$3500.00} I went above her and they resolved the amount which was {$1300.00} and they agreed to delete it from my credit report once paid that was the agreement. After several months being paid the {$1300.00} and calls and emails to the professional debt company they still have it on my credit they refuse to take it off.
Product: Credit card or prepaid card

On XX/XX/17 XXXX XXXX gave a XXXX American Express Credit Card Deposit to XXXX XXXX for a job located XXXX XXXX XXXX XXXX, MA, Before XXXX XXXX started the job or send me a contract to sign i cancelled the job with a phone call and a email, after i disputed the credit card charge with American Express for the full amount of XXXX dollars XXXX XXXX response with the merchants that the payment was made for on going projects, American Express still refuses to refund me the XXXX even after i sent them a sign receipt that clearly stated XXXX XXXX XXXX XXXX , MA Down Payment '', a signed letter from the homeowner at the address that no work was performed and copy of a charter law in Pennsylvania that state No Home Improvement work is bidding without a signed contract by both parties, i am lost and need help to get this fraudulent credit card charge off my bill
Product: Debt collection

Received a letter in the mail from American Coradius International LLC. 
It says I owe {$910.00} It says the creditor is XXXX. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX  continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX   bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing  date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted Experian, XXXX, and XXXX with my dispute. Experian was contacted in XXXX and XXXX of XXXX. XXXX   was contacted in XXXX and XXXX of XXXX. Experian and XXXX state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from Experian, XXXX, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the Experian and XXXX credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX   bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.
Product: Credit reporting or other personal consumer reports

After looking over my credit report I noticed a listing from XXXX XXXX XXXX with a balance of {$410.00}. I never had an account with them.
Product: Debt collection

Last year I received a call from a debt collection company. I was told I had outstanding debt with XXXX XXXX XXXX for a product called XXXX a product I never purchased. I asked the person that contacted what was the name and address on the bill they were calling about. I was told the bill was to XXXX XXXX at an address in XXXX, XXXX I told the agent I dont, and have never rented or owned an apartment or home in XXXX XXXX I live in XXXX The collection agency had the wrong XXXX XXXX. 

I was then told by the person on the phone that the collection agency would contact XXXX XXXX XXXX to investigate the situation. 

After receiving no followup from the debt collector, I contacted them to get a status on collection issue and was told it was resolved and no further action was required on my part. 

Since XX/XX/2021 I have received a negative delinquency mark on my credit report. This delinquency information, for a debt that is and never was mine, continues to be reported on a monthly basis by : Credit Systems Intl. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Will you please help to get Credit Systems Intl. to stop providing false information to the Credit Agencies as what they are doing is negatively affecting my credit score, which has always been excellent. 

Thank you, XXXX XXXX
Product: Consumer Loan

Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!
Product: Debt collection

I signed up for tally some years ago, and with their recent closure to what I understand the servicing was taken over by Systems and Services Technologies ( SST ). Some random number starting calling me the beginning of XX/XX/XXXXXXXX XXXX  numerous times a day, leaving voicemails, texting me and emailing me. I answered one day and asked them to please cease all communications and send a verification letter, never got a letter and calls started back up along with the emails and texts. I answered again one day and requested all calls cease and a verification letter be sent and yet again nothing happened. One day I called them and spoke with a female and asked them to please send a letter advising who they were and to stop calling my cell phone as I never gave permission to be auto dialed or called or texted, at which point I was advised that money is owed and calls will continue. I again tried to advised numerous portions of FDCPA and TCPA were violated and asked again for all calls to cease, but they continued. On XX/XX/XXXX I sent a letter to the address found in XXXX for SST [ letter will be attached ] advising sections of FDCPA that were violated and no letter was ever received advising of the alleged debt and they will be servicing the alleged debt. Further within this letter I asked all communication to cease and the only permitted communication will be via writing but have received no letter or anything but the phone calls continue, daily and multiple times a day as well as texts and emails. When tally was in control they were willing to work with consumers about repayments and were a US based company. SST has directed me to a website that looks like it is the most basic unsecured site made 30 years ago that lacks all the necessary security measures of most modern websites. SST has a us address but every voicemail/person I have spoken with has the most broken English it is hard to understand. They have called/texted from several numbers so it is hard to block them all and they would call from what I believe were spoofed numbers.
Product: Mortgage

I fell behind with my mortgage payment during the years of XXXX and XXXX. I worked with the mortgage company, ( Bank of America ) and received a loan modification. However by the time the modification was approved, I owed Bank of America about {$14000.00}. Its roughly 5 months behind in our mortgage payment. This amount is not subject to interest or penalties. However, I was informed by the Treasury Department that bank of America received a bailout from the government for all of these modifications. I think Bank of America has received payment from the government for my {$14000.00} and they are still holding me liable for this amount. Please investigate the reason why I still see this amount on my mortgage statement every month since the modification has been approved and Bank of America collected funds from the government for mortgage modifications.
Product: Credit card

I have a Barclays View credit card. 

On XX/XX/2023, I received a promotional offer via email that states " When you use your Barclays View Mastercard in XXXX, XXXX and XXXX, and spend {$300.00} or more on purchases each month, you'll earn an additional XXXX points. '' and the fine print states that " All points earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' Upon receiving the email, I proceeded spending over {$300.00} in XXXX, XXXX and XXXX using my Barclays View credit card.

Not it has been over 12 weeks after the promotion ended and I have yet to receive the rewards points as stated in the promotion. 

This is consumer fraud. 

I am formally making a complaint to CFPB to investigate how many similar promotions are not honored and how Barclays is tricking people into spending with their credit cards.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Credit card or prepaid card

NEGLIGENCE COMPLAINT FOR FIFTH THIRD BANK ON FRAUD CASE - I. XXXX I had my Fifth Third Bank credit card until XX/XX/2019. The card was compromised as from XX/XX/2019 to today. All the transactions in the statement were fraudulent and non authorized. 
Fifth Third Bank was negligent which failed to investigate the Fraud charges as F raud, but ONLY the billing dispute.

Fifth Third Bank declined all the Fraud charges and claimed that it had passed the timeframe, when FRAUD case does not have a timeline to investigate. 

It is the Fifth Third Bank 's negligence to disposition my claim was invalid as it has passed the time frame and I did not have the card with my possession at the event of the Fraud. 

There is NO CHARGE BACK REQUIRED, NO TIMELINE REQUIRED AND ALL MERCHANT RECEIPTS ARE NOT VALID PROOF OF THE PURCHASE IN THIS FRAUD CLAIM. 

The Account Holder did not have the card in possession, all transaction as from XX/XX/2019 to the last date of the purchase were FRAUD.

Please carefully investigate the Fraud claim and it IS NOT the billing dispute. I complained about the negligence position, that the Fifth Third Bank took in this disposition and it is the gross negligence. 

I hope that the Fifth Third Bank can re investigate this case and all transactions in a FRAUD claim, not Billing dispute. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a Victim of identity theft I added documents below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint has been submitted to the CFPB to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block any information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes a personal credit card account opened with XXXX XXXX in 2023 for the amount of {$1000.00} ( card number XXXX ) and a second card from Capital One with a balance of {$5900.00} ( account number XXXX ), also opened in 2023. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have included a list of the disputed hard inquiries and a copy of the consumer XXXX  credit report maintained by you, which highlights the fraudulent items in question. I do not recognize the accounts, collections, or hard inquiries mentioned above. None of these accounts, collections, or inquiries were opened, made, or initiated by me. All of them are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the U.S. Federal Trade Commission confirming that all the disputed consumer credit accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Credit card

I have had several issues over the course of XXXX where my Synchrony Care Credit card has charged me interest when Ive been paying on time. I have always paid enough to pay towards any balance that isnt part of a financed agreement as well as paying off my balances that are part of a promotional balance within their required timeframe. Yes I continue to get charged interest. Every time I reach out, Im told something different. I do wish they suggest ( pay a certain amount by a certain time ) and yet Im still charged interest. I most recently paid by total balance off ( one payment on XX/XX/XXXX and one payment on XX/XX/XXXX ) which was {$1900.00}. That took my balance down to XXXX I then made a purchase {$300.00} ( which was financed- no interest if paid off in 6months ) on XX/XX/XXXX. Today I checked my account and there is now an interest charge of {$4.00}. When I contacted them, I was told it was interest on interest from a previous purchase! How can I be charged interest on something that has been paid off?! Again Im told something different than every other time Ive called in.
Product: Mortgage

On XXXX2017 I contacted XXXX XXXX ; the new company name of Nationstar Mortgage. While Nationstar Mortgage, I accessed my online account and opted out of all marketing offers ( mail, email and calls ) from both Nationstar and their partners. They were very aggressive in their marketing efforts ( multiple calls requesting I return calls only to find out it was a sales call, priority deliveries of refinancing sales flyers which interrupted my work day at least weekly if not more often ), etc. 

The onslaught restarted when XXXX XXXX replaced Nationstar. I again accessed my account through XXXX XXXX to reset my communication preferences only to find they do not offer that via their website. So I called and requested the marketing from XXXX XXXX and their marketing partners cease. I received a confirmation of my cease and desist request in a letter dated XXXX from XXXX XXXX stating that I would now not receive ANY communications ( sales or account management ) from their company ( ie - account problem emails, escrow payments, etc ) as I do not agree to receive their sales communications. I really do n't feel that if I refuse their marketing, I am refused communication regarding my account ( except the monthly bill ) and that was not my original request -
Product: Credit card

I received a credit card in the mail, Citi Master Card that I do not recall applying for. If I did apply for this card, I still do n't want it. I called XXXX and asked to have the card cancelled. I was told I would be on hold for 2 minutes so the man could do this. After 20 minutes of being on hold I hung up and called again. This time a woman told me I needed to identify the password I created that started with the letter " B ''. I never created a password for this credit card, and have never created a password that starts with " B ''. I assume that preventing people from cancelling credit cards is against some law or regulation and would like to file a complaint against this company for preventing me from cancelling this credit card. Thank you.
Product: Credit reporting

My card was closed due to fraud, but card co. did not inform me of a XXXX balance left on account before issuing new card. Balance has been paid.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre removing good accounts XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I clicked on free credit score which eventually asked for {$1.00} to activate thus process. No where else did it say I would have a monthly charge from then on/ and monthly once getting that report, and why would I need them after getting that score? My bank statement showed in XXXX a dollar charge, and following that each month for {$39.00}, which was never stated anywhere I would be billed. I'm not one that looks at my bank statement, and live on a very limited income, but when my XXXX/ XXXX bank statement show I had innsifficient funds, charged a {$30.00} fee, cause I was still unaware Im being charged for somerhing I'm unaware of. I don't even know who this is, being not even familiar sounding like the credit score site. 
This is the only info. On my statement I have : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX