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

On XX/XX/2023 at around XXXX XXXX my XXXX card was declined after I tried to purchase goods and services from another merchant that is selling equipment and furniture for my business. Immediately after, my credit limit status was changed from " no-preset limit '' to {$4700.00}. When I called that same day, I was told by several representatives that this desicion was made by their system because they believe that this merchant shares an " affiliation '' with me and that this transaction violates their merchant agreement. They stated very vaguely that an affiliation could mean an association or relationship between me and the merchant that relates to the business. However, there is no merchant agreement that would state this policy nor is there any mention of this process on the cardmember agreement that I signed and received. This policy was never stated or mentioned in any of the terms of service, agreements or documents that I signed and agreed to when I first submitted my application. I was informed by the last representative on XX/XX/XXXX that I would receive a phone call from their supervisor within 24 hours, which never happened. I called again on XX/XX/2023 at XXXX XXXX and was told by a supervisor that my only option was to speak with customer service. The representative gave me a link to the digital copy of a XXXX cardmember agreement, which does not specify anything about this " merchant agreement '' policy, nor that they do not allow certain transactions between cardmembers and merchants who are affiliated with eachother in some way. Additionally, the US cardmember agreement fails to mention anything regarding merchant affiliations with cardmembers or " merchant agreements ''. 

Lastly, I spoke with a customer representative again at XXXX XXXX who then transfered me to XXXX XXXX of the financial review team. I kindly asked her to show me this policy and she repeatedly refused. She stated very adamantly that she does not have to provide me with any information, and that neither she nor American Express will disclose any part of this policy to members and applicants in their cardmember agreement and terms at any time during the application process and during our membership with the card. 
She also stated repeatedly that this is their " process '' and that nothing will change. 

American Express failed to provide me with their full terms and conditions before I signed their agreement, and XXXX XXXX of the CRAT department also refused to provide me with the full terms and conditions of the cardmember agreement despite repeated requests, and would not read the written terms. XXXX also failed to specify clearly what this affiliation is and refused to resolve my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX XXXXXXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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: Student loan

I am currently enrolled as a XXXXXXXX XXXX XXXX XXXX  and have been deferring my XXXX EdFinancial student loans while completing graduate school. Prior to XXXX  school, I was paying my loan and had setup autopay. 

On XX/XX/year>, I was charged {$360.00} via auto-pay on EdFinancial loans that should have been deferred. I realized this on XX/XX/year> and contacted EdFinancial via their " Contact Us '' web portal. I asked why this auto-payment occurred given my status as a XXXX student and if it could be reversed. 

It should be noted that this webform is difficult to use. Only special characters in this list are allowed :.,? & %! @ $ ( )/ which left me hunting for the character ' I used in the contraction " I'm ''. I noticed a similar complaint about this webform was made on XXXX. 

I received a reply on XX/XX/year>, that I would need to send in a form for deferment that required XXXX business days for processing and that the XXXX payment would not be reversed. I saw that another payment was scheduled for XX/XX/year> leaving a very small window to get the form submitted. 

I called EdFinancial on XX/XX/year> to ask why my deferment wasn't applied this semester when it had been automatically applied for all other semesters I've been in XXXX  school. The person helping me told me that a database is updated by my university to list my enrollment status each semester and that that database is checked to apply deferment automatically. I asked if the database had be updated to reflect my status as a current student and if so, when it was updated. This person informed me that it did show me as a current student and that the database had be updated in late XXXX, more than 2 weeks before my auto-payment was applied! 

This person then submitted a ticket to ensure my deferment was applied for XXXX, but again informed me that I could not be refunded the {$360.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, account name : XXXX XXXX XXXX # XXXX account name : XXXX # 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 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 card

Kindly remove this erroneous account from my records. 
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.
Product: Credit card or prepaid card

XXXX I never used the card and they closed it without me knowing. I would like them to remove it off my credit I 'm trying to buy a house and this is holding me back
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not accept ( via phone ) confirmation that XXXX did NOT issue a hard credit inquiry on XX/XX/19 Transunion hung up on us several times ( myself and XXXX, and insisted that we, instead, file a police report and mail in a request to remove the XXXX  hard inquiry Here is a review of the conversations : XXXX XXXX I contacted XXXX  XXXX. XXXX confirmed they did NOT do a hard credit check based on my social security #. 
XXXX XXXX  The XXXX  agent called Transunion " XXXX '' on XXXX at XXXX. XXXX hung up on XXXX, then told me that I needed to contact XXXX  ( again? ) and get a letter of deletion, after XXXX agent already told XXXX there was no record of activity with my social security #. 

XXXX XXXX XXXX called back to confirm it was resolved over the phone. When I told XXXX that Transunion had not resolved it, XXXX tried calling Transunion three more times. Each time, the Transunion rep would not accept resolution over the phone with XXXX and hung up on Tmobile/myself. 
XXXX XXXX  Transunion agent XXXX hung up on XXXX/myself XXXX XXXX   Transunion Agent named XXXX. We can not file the dispute via the phone, it has to be done online. XXXX needs to provide a Letter of Deletion. A hard hit from Police Report from XXXX. Then take a copy of the police report, and authorization letter coming from me with the hard inquiry and the dates. Reason : Remove hard hit coming from XXXX. Separate paper, first/last name/mailing address, last 4 of my social and my file #. Mail to : Transunion. Then they will review it and it may take up to 5 business days to file the request.
Product: Credit reporting or other personal consumer reports

Spirit Airlines keeps sending me letters saying I am denied for their credit card. These inquires are not mine. I called and wrote asking for them to stop listing me as an inquiry for their credit card. I also asked for the application for evidence.
Product: Checking or savings account

I never open any account with Wells Fargo and they been taking money out of the account they say I own them money witch at this point they own me a lot of money but now they want to close the account on XX/XX/2018 for what I have no clue
Product: Credit reporting or other personal consumer reports

my data was leaked through XXXX and these account need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX : XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXXXXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''
Product: Credit card

Capital One Savor Credit Card ( issues a XXXX ) for fair to poor credit consumers. Credit Card limits are {$500.00} and below lines of credit. 
Credit Card is subjective to XXXX % APR for purchases and cash advance. Although limits are placed on these cards. {$250.00} cash advance limit with cash adv fee -- aren't transparent to consumer ; when Capital One recalculates the interest separate from the rest of card balance. Consumer is liable for monthly interest, cash adv fee, cash adv interest. Whereas, within a ( 30 ) billing cycle consumer is responsible for @ $ XXXX dollars of fees and interest @ XXXX %. 
Credit cards with low credit lines aren't beneficial to consumers. Credit usage in low credit lines amounts=to high credit usage and reflect on credit bureau as XXXX % to XXXX % credit usage. This alone lowers consumer fico scores. 
Capital One claims these cards benefit low income consumer to build credit. This simply isn't true.
Product: Checking or savings account

The date was XX/XX/2023 around between XXXX XXXX for the amount of {$120.00}. I contacted the merchant to let them know it was not authorized to cancel and refund. They agreed to do so in 5 days after payment clear. I contact my bank as well the merchant said to speed it up. The bank can verify the transaction was completed. They refused cause company policy does not allow for the phone calls to be provided. I waited and called once more. I was told something different this time. So I contacted the bank they claim its no error and refuse to give an explanation when they bluntly violate regulation E among other state & federal laws. The documentation used was just a screen shot of the transaction and thats all.
Product: Mortgage

Finance company changed themselves to be the first mortgagee and beneficiary on my insurance prior to loan closing without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX  I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to experian who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my XXXX credit cards and now it's ruined and experian can't tell me who's acct it is or who's making pymnts. Please help me.
Product: Vehicle loan or lease

My identity was stolen and someone open an account to purchase a car with capital one auto financing.
Product: Mortgage

We only began receiving paper PNC mortgage statements XX/XX/2021, although PNC began withdrawing payments from our account on XX/XX/2021 and XX/XX/2021. 
The XX/XX/2021 statement reflected withdraws on XX/XX/2021, XX/XX/2021, and XX/XX/2021. 
We are concerned that the XX/XX/2021 and the XX/XX/2021 payments have not been deducted from our mortgage loan amount. 
We have tried calling the XXXX number repeatedly, but it rings and rings - NO ANSWER, no greeting, nothing. 
We tried the XXXX number, but it addresses " voice-mail/on line '' banking. 
We researched and found a couple of branches, one of which was just an ATM. 
We called the XXXX, Ohio branch and was referred XXXX XXXX, a mortgage loan officer.

On or about XX/XX/2021, we called his number XXXX and left a message requesting help. No response. 
PNC makes it very difficult/impossible to speak to someone in person to address concerns. Instead PNC focuses on online business- we would say, based on our experience, to the exclusion of actual real-person interaction. 
We would appreciate help to resolve our dilemma.
Product: Student loan

In XXXX, I called Discover and asked for repayment assistance on my student loan. Discover offered no repayment assistance and the customer service representative gave me false information, saying I could " pay one account at a time '' because " Discover doesn't report late payments to credit agencies. '' This false information clouded my understanding of their payment policies. On XX/XX/XXXX, after bringing my account current with a payment, I realized that my XXXX credit score decreased by 103 points, even though I've made 22 on-time payments. 

Discover 's zero-tolerance policy for repayment assistance and misinformation about payments and credit reporting severely damaged my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not actually reported my credit score to XXXX in 9 months
Product: Bank account or service

I am requesting Bank of America to review the decision on closing the account. I still have credit card with Bank of America and asking to allow me to have checking account. Previous checking account was closed on risk matter. 
I am having troubles with paying my bills with credit card from another account. Last time I entered incorrect account number and I thought that I paid the bill, but transaction did not go through. Bill due date passed and this resulted with credit score went down. 
I do want to keep Bank of America credit card. I am asking Bank of America to allow me to open new checking account. This would relieve all troubles I am facing with paying bills for credit card. 
Credit card : XXXX
Product: Credit reporting or other personal consumer reports

There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on XXXX separate occasions. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after 19:47min on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate.

Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ]. 
Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly. 
Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 
Sincerely,
Product: Vehicle loan or lease

Around XX/XX/19, BMW repossessed my car. 
The car was not 90 day past due. 
BWM added attorneys fees over {$2500.00} to the car not. 
BMW demanded that I pay over {$4500.00}, which included the attorney 's fees, to get the car back. 
The gave me 5 days notice after they took the car to pay {$4500.00} to them.
Product: Credit reporting or other personal consumer reports

I was looking through my consumer reports and noticed 4 hard inquires on my TransUnion account. 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 according to the Fair Credit Reporting Act. I did not provide written consent to report the following inquires on TransUnion : XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Please investigate and provide proof that I authorized the reporting of this information. IF proof can not be provided, I demand these hard inquires to be removed from my TransUnion account.
Product: Debt collection

XX/XX/XXXX called to cancel service was told they can cancel effective XX/XX/XXXX Received several collections calls XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX place complaint with FCC XX/XX/XXXX Spoke to XXXX regarding my complaint was told that I have no choice but to paid the full amount because the company is a business and even if I could not afford to pay for services I did not agree to or receive. I hung up on rep because he was not looking to work with me but to collect money. 
XX/XX/XXXX received a call from a collection agency CBHV I am being forced to pay for services I did not receive or agree to. 
It is unfair XXXX are using unfair business practices during an epidemic and when are so many people can not afford their bills.