23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

received multiple calls from different numbers - all expressing to be a caller from American express numbers that called were : XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18 XXXX @ XXXX on XX/XX/18
Product: Student loan

I have tried over the course of the last 3 months to apply for forbearance, but they have made claims that they can no longer allow that. They have also hiked the intrest rate 2.4 % over XXXX prior intrest rate.
Product: Credit card or prepaid card

On XX/XX/2021, my account was at a - {$360.00} due to several refunds and payments that were applied. My statement closing date for that month is XX/XX/XXXX. Since my account was at a negative, I requested I be reimbursed the - {$360.00} via a check, which was sent to me via mail. I did receive the check, although I've yet to cash it. 

On XX/XX/2021, Discover added the {$360.00} back to my balance for XX/XX/2021 's statement. This makes 0 sense to me. I was owed a credit/refund, but now I owe Discover the money back? 

If I were to make a purchase at a store and decided to return the item for a refund, I wouldnt then pay the store in the amount of the credit that was owed to me. I dont see how it would be any different for Discover. 

I asked XXXX supervisors to investigate, but no one has provided me with a satisfactory answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 XXXXXXXX Balance : {$3000.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I had a charge show up on my credit card for {$350.00} after I checked out of the XXXX XXXX XXXX XXXX XXXX XXXX. This charge was not included on the original invoice. After trying to contact the XXXX XXXX with no success, I disputed the charge with Bank of America. Bank of America requested my invoice to which I uploaded to their claim 's website. The claim was closed immediately with no further explanation. I called the claims department, and they could not tell me why the claim was closed but refiled the claim on my behalf. Two days later, the claim was closed and denied without any further explanation or information. Since then, I have tried multiple times to reach the Bank of America claims department with no success. I have been placed on hold for hours, transferred, hung up on, placed back in the call que. I have spent well over 12 hours on the phone trying to resolve the issue with Bank of America only to be told I need to try and call back at a later date. I am getting nowhere with Bank of America and the hotel manager does not return my calls.
Product: Debt collection

I would like to re-open my claim # XXXX that you closed without resolution, since BYL Collections ' response was both late and insufficient. I requested itemized bills from the creditors showing the services provided and name and address of the specific providers, and received a shady printout with no company name whatsoever and none of the information I had requested. I received this well after 30 days from my request. Please advise if this can be re-opened at your earliest convenience. I 'd like a written response via e-mail to XXXXXXXXXXXX by XXXX XXXX, 2018. I do hope you 're able to finally resolve this, but if not my next step will be legal action. Thank you for your time. 

Sincerely, XXXX XXXX ( nee XXXX )
Product: Credit card or prepaid card

I woke up today Saturday XXXX to discuss someone named JPAY some prison related company used my XXXX debit card without my knowledge or consent. {$310.00} was taken out of my account illegally. I have filed a verbal and formal CASE with XXXX. I have researched and see CFPB has had previous complaints - lawsuit against JPAY. Either way, the transaction was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. 
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Product: Checking or savings account

Chase bank advertised a promotion fro $XXXX to open both a checking and savings account with them, with the requirement to automatically deposit $XXXX  into the checking account and $XXXX into the savings account monthly for three months. I did this this and satisfied the requirements but Chase refuses to pay the promotional amount.
Product: Money transfer, virtual currency, or money service

Zelle sent money to wrong person and they never sent it back
Product: Debt collection

HSBC CALLED ME 6 TIMES ON XX/XX/2022. I AM BEHIND ON MY PATMENTS. THEY CALL AND HANG UP. I HAVE TOLD THEM TO NOT CALL ME BEFORE XXXX AND AFTER XXXX. THEY REFUSED TO LISTEN. THEY HAVE PUT EXTENSIVE AMOUNT OF FEES, INTEREST AND LATE CHATGES ON MY ACCOUNT. I HAVE TWO CARDS. ALL OF THE FEES AND EVERYTHING COME TO {$400.00}. THE BIG THING IS THEY KEEP CALLING ME 8 TIMES A DAY. I HAVE NOT GOTTEN A BILL SINCE XXXX.
Product: Checking or savings account

I ate lunch at XXXX XXXX on XX/XX/22. 
The total was about {$30.00}. 
I was fraudulently charged {$190.00}. 
I am unable to reach someone at the XXXX. 
Truist refuses to credit me for the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXXXXXX XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXXXXXX XXXX  has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Product: Credit card or prepaid card

Hello, I am having issues with my EIP prepaid debit card issued by XXXX XXXX/Money Network for my COVID stimulus payment. I am attempting to transfer my money from the card to my checking account. I started a transfer ( {$1000.00} ) using the My MN app on XX/XX/20. All information that I can find through XXXX XXXXMoney Network says that transfers should be complete in 2-3 business days. My transfer has yet to show up in my checking account, even as a pending transaction ( as of XX/XX/20 ). I have attempted to contact XXXX XXXXMoney Network to check the status of my transfer and to see if their were any issues that I needed to correct on my end through their customer service line ( XXXX ). This line is the only means of contacting XXXX XXXX/Money Network that is available on their website and the EIP card website. Even though I have called the customer service line several times, I have yet to talk to an actual customer representative and have found XXXX XXXXMoney Network 's customer service system to be completely automated. I have not found a way to address my issue through their automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXXXXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Equifax to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX  XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!
Product: Mortgage

I opened a case with you earlier that you have closed with BSI. XXXX. 
BSI HAS NOT RESOLVED the issue. We have made a very reasonable offer and gotten no response. 
I absolutely do not feel that they are acting in good faith. Rather they are stalling until they can start foreclosure proceedings and force me into settling. NOD was filed XX/XX/2020 so as you know they can set a foreclosure sale date after XX/XX/2020. It is obvious that they are running out the clock so that they can apply maximum pressure to an already distraught XXXX. 
Because of all of this I am currently being treated for XXXX. Please review my original complaint and reopen it. 

XXXX XXXX
Product: Credit card or prepaid card

The collector is from a Zales credit card. On XX/XX/XXXX. XXXX XXXX (? ) said a matter has been escalated to his desk and hed like to have the matter resolved. His number is XXXX, extension XXXX. Hes there until XXXX XXXX. This message and another one was left on my fathers landline phone. Again on those people called again on XX/XX/XXXX, at XXXX XXXX. I just listened to the voicemail. They have also called my mother on at least three different occasions. My parents are elderly and this type of harassment is unhealthy.
Product: Credit reporting or other personal consumer reports

Hello.I found Unauthorized fraudulent inquiries on my credit profile.Please help me to remove those unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking for accounts on my credit to be removed. 1st letter was verified, second letter its been way past 30 days no response. I have documentation of letters being sent as well as certified mail showing they received it.
Product: Credit reporting or other personal consumer reports

My credit report wasnt investigated. I have asked for help and paying Experian to monitor my credit had things are just popping up on there I didnt do or purchase.
Product: Debt collection

I have contacted Transfinacial Companies on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to Transfinancial Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with Transfinancial Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Transfinancial Comapnies are in violation of the FCRA. I have attached the letter i sent as well as a itemized bill and Transfinacial Companies response.
Product: Student loan

I sent a message to MOHELA requesting correction of the number of qualfying loan payments for PSLF on XX/XX/2023. MOHELA ask me to submit a new PSLF application with my employer which I have done so promptly. 
On XX/XX/2023, I requested follow-up on the processing of my application, as my qualifying payments are still not showing correctly. They said to allow 5 business days to process. 
On XX/XX/2023, the changes are still not corrected, and I followed-up again, they said to allow another 5 business days to process. 
On XX/XX/2023, the changes are still not corrected 111 days later ( giving them +106 days to correct my payments ), and they have not done so and did not reply back. 
On XX/XX/2023, I notified MOHELA that I am filing a complaint with CFPB.
Product: Mortgage

I called Bank of America to make my monthly mortgage payment, and when they processed the request they submitted a double payment to my bank account, overdrawing my account. The payment they were supposed to pull was {$750.00} and they pulled {$1500.00}. When I contacted them, I was told that I had to submit a bank statement showing the incorrect payment amount and then it could take up to XXXX hours to receive credit back. When asked why the wrong amount was taken they told me they only show the amount of {$750.00}. when asked what happens to the remaining {$750.00} they could not answer me. Their system would not let them see their error.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all accounts and inquiries listed below that were fraudulently opened in my name. 
The following accounts are fraudulent and must be removed from 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 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX/XXXX/2017 SW Credit Systems reported a Collection account to my XXXX  credit files, once I received the alert I immediately contacted them. I was advised it was for XXXX XXXX XXXX and I advised them it was fraud and needed the fraud department. The gentle man told me they did n't have a fraud department and directed me to online forms to provide to XXXX XXXX XXXX I provided the forms to XXXX XXXX XXXX and the collection agency has yet to remove the account from my credit files though I notified them it is as an result of fraud.
Product: Credit reporting or other personal consumer reports

Applied for home equity loan with XXXX XXXX XXXX XXXX and they are unable to proceed with application because the Equifax credit report will not pull up due to error message XXXX reported. I have not reported any fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent four dispute letters disputing unverified accounts on my credit report with Equifax and XXXX. The accounts I'm disputing were with XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent XXXX  and Equifax dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. XXXX  and Equifax needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them