23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please see the previous XXXX  case raised, case XXXX. The XXXX  has not reopened this case as they have had trouble looking into it. Your parent company ( US Bank ) stated that they are looking into my appeal, below, but never got back. I am aware that accounts can be closed, but they can also be appealed, and your team has not been clear whether the appeal has been reviewed or not. Again, please review the below, as also laid out in the above case, and clarify that this appeal has been fully reviewed under your terms : " Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX I am writing in regards to my closed account, account number XXXX. I am writing here to ensure this letter is tracked, and the below is an appeal regarding my closed credit card account. 

My account was recently closed on XX/XX/XXXX, but I was not given the opportunity to provide additional context nor confirm transactions. All transactions were valid and temporary - as the bank was concerned about risk regarding these transactions, these transactions do not need to be made moving forward. I have made payments in full monthly and will continue to do so. If there is an option to open a checking account or keep money in a Fidelity investment account to further show proof of funds and reduce any risk for the bank, please let me know and happy to do so. Separately, if there are separate option for appealing and reopening this account, happy to take those steps.

If it is preferred that I call a specific number to clarify the same, please let me know, but I was told to write the above address. Thank you. ''
Product: Debt collection

XXXX from XXXX XXXX was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$84.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$1400.00} XXXX XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} INQUIRIES : XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I signed an invoice agreeing to pay a company that I thought was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the amount of {$2700.00} using my Synchrony Credit Card. 

Since that time I have found that this merchant engaged in several deceitful business practices to include misrepresenting what their company name is on the invoice. Their company name is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are not authorized to operate in the state of Maryland under that name. And they are not authorized to bill me under that name. The legal name of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I did not agree to have XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Transmissions do any work for me. I did not sign an invoice agreeing to pay XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX any amount of money. The charge on the Synchrony Card is false. 

I filed a dispute with Synchrony CarXXXX on XX/XX/XXXX. I also submitted a document from a XXXX XXXX Investigator stating that XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was misrepresenting their name on the invoice. 

On XX/XX/XXXX I got an email saying that my Synchrony Bill was now due. When I called I was informed that the investigation was over and that the bank found in the merchants favor. 

On XX/XX/XXXX I sent a certified letter to Synchrony Bank requesting a formal letter of the bank 's decision. I also requested that copies of all the documents used to reach this decision be sent to me. 

As of the date of this letter I have yet to receive a formal letter stating the bank 's decision or any of the documents used to reach that decision. I have legal rights to these documents and I want them. 

I will be attaching a copy of the letter from the XXXX XXXX Investigator showing that the company misrepresented it's name on the invoice. i will also be attaching a copy of the invoice that the company misrepresented it's name on.
Product: Debt collection

I have repeatedly called Midland Credit to talk with someone regarding an account that they bought from an old credit card that I originally in XX/XX/year> accepted a pay off deal with XXXX 's store card with bank of XXXXXXXX XXXX to pay off the account with a settlement for the amount of {$420.00} that was XXXX  % of the total amount {$1600.00}. Midland Credit has made it hard to contact or speak with anyone regarding this matter. I also have tried to contact XXXX XXXX XXXXXXXX XXXX XXXX but it redirects me to Midland Credit to speak to someone regarding the account. Whenever I have called they state there are not enough representatives to take the call in the 'correct ' department because I have tried to dispute this amount. I find it very unfair that I have to go through all this mess and now I have received a letter stating if I don't call to resolve this matter by XX/XX/XXXX they will take matters into their own hands to resolve this account when I had originally agreed with XXXX XXXX  to resolve the amount at the settles amount. Midland states they have no record of this but why would they if they want the full amount. I have emails from XXXXXXXX XXXX of this offer and I will not pay more to what I had already originally agreed to pay with them to pay and settle out this debt. The only time i was able to talk to someone they said they would any statements they had to show proof of the amount I owe after that They will not settle or talk to me unless I agree to the amount they say. They also have emailed me when I never provided them an email so they must have got it from the XXXX company.
Product: Debt collection

XXXX XXXX I signed up for a membership to XXXX XXXX  for {$42.00} a month. The next day I tried to contact them to cancel my membership due to the fact that visits were extremely limited and reservations were required for limited time blocks due to the pandemic. This was not explained when I signed up. I tried calling several times leaving voicemails with my information and the reason I was calling. I did not receive a call back or any response. I called the corporate office to see if maybe they could do anything but I was told I needed to go through guest relations. So I emailed them and finally received a response back on XX/XX/XXXX, with a case number XXXX. I waited a week to hear back from them but no one contacted me. I emailed them a couple more times and finally received another email from them with a different case number XXXX. Again I waited for a response. By this time my credit card was charged once again for a service I wasnt using. I emailed them again on XX/XX/XXXX and informed them payments would be stopped since XXXX XXXX received a response from them. Still no response. XX/XX/XXXX XXXX received an email from XXXX XXXX  requesting I contact them about payment to my account, HOW!! The next email I received was XX/XX/XXXX, asking me to contact guest relations because they needed my help to update payment information. I attempted to call WITH NO response. Then on XX/XX/XXXX, I received a letter from CACi stating my account had been turned over to them for collections. I emailed them to dispute the validity of the collection XXXX. No response from them as well. I called CACi and spoke with a representative and explained the situation to him. He said they received my email and sent an email to me but it was an incorrect email. How is that possible when I emailed them from my email address?? So he updated my email and told me they would get back with me. I never received an email, phone call or letter in the mail from them with a response. Then XX/XX/2022, I noticed a new collection on my credit reports from Consumer Adjustment for the amount of {$610.00}. 
WHAT!! How is this even legal. And where did they come up with that sum?? Now I have been back and forth with all three credit bureaus for the past XXXX months disputing this collection. I have submitted documents and called the credit bureaus without resolve. Please help me to resolve this matter and remove this collection from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit card

Sephora credit card was mailing me monthly statements every month than they stoped and put me on paperless bills without of my knowledge. I ended up missing paying the bill, because I expected it to be mailed as a result they charged me {$30.00} late fee. After contacting them they did not remove all of it just half. In addition they advertised if you make 5 transaction they will send you {$20.00} gift certificate to spend at sephora which I never received.
Product: Credit card or prepaid card

I made a 24-month no-interest purchase at XXXX XXXX in XXXX XXXX XXXX. The agreement was that all amounts paid in excess of the minimum payment would be applied to this purchase. In the next several months, I had other, shorter no-interest plans which have since been paid off. My payments had been allocated as I requested up until XXXX, XXXX. On my XXXX and XXXX statements, the entire amount paid in excess of the minimum payment was not allocated to my single remaining no-interest purchase. The current months interest on my revolving account was paid before allocating the rest to my no-interest purchase. This is approximately {$70.00} per month for XXXX and XXXX. 

I emailed the XXXX XXXX credit department on XX/XX/XXXX, and received a response stating the general rules of how payments are allocated. My specific issue was not addressed. Today, XX/XX/XXXX, I spoke to two different customer service reps by phone, and they will not address this issue. 

One of them said I could request to override the minimum payment and have my entire amount sent to the no-interest account. The other said this was not possible. I was also told that I had requested only 50 % of the excess payment to go to the no-interest account and that I could only change this online. This is not true. When I had two no-interest accounts, 50 % went to each one, but the websites states clearly that if you only have one N-I account, all excess payment will go to that account.

I was told different things by each person, and none of them addressed the issue. I cant list them all here, and they did not guarantee that my payments would be applied the way they should. They sounded scripted, and one of them read a long legal clause to me. I feel like I am being given the run-around so that I will default on the no-interest agreement. They are not dealing with me fairly or intelligently.

I have attached my last three statements as well as two from XXXX so you can see my payment allocations were not reduced by subtracting revolving account interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **XXXX  XXXX XXXX - XXXX - **Social Security XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX On XX/XX/2024, TRANSUNION deleted the following information from my credit report : COLLECTION REMOVED. This deletion was based on COLLECTION ACCOUNT WAS REMOVEDFROM YOUR CREDIT REPORT. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that [ Name of Credit Bureau ] has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that TRANSUNION complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with TRANSUNION regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Goldman Sachs terminated my card in retaliation. I reported numerous instances where my rights as a person with XXXX were violated. In retaliation, they cancelled my card. For over a year, I have tried to resolve this discrimination, retaliation with this company. I have also reported multiple instances of XXXX XXXX  to the company and they have refused to address the issues. As a reasonable accommodation to the numerous XXXX XXXX XXXX XXXXXXXX I have, I requested a card with printed/raised numbers on the card. They refused this accommodation. I also requested that they contact me at an alternate email address after my email address was compromised. They also refused this accommodation. I also reported numerous disputes and proof regarding credit card purchases and the health impacts. I sent them my medical records to prove the issues. In retaliation, they charged all of the fees/ charges back to my card in retaliation. I am still under doctors care due to the XXXX, stress, and discrimination from Goldman Sachs.
Product: Debt collection

Hello, I just received a notification from my credit monitoring agency that a company by the name of CAPIO PARTNERS LLC has flagged my credit file on XXXX/XXXX/2016 and reported a collection account. I have never heard of this company before today, and had never received any demands by phone or mail regarding same. I called this collection company after I checked my XXXX credit profile today and spoke with one of their associates who immediately started negotiating a settlement, however, I demanded answer as to why they never sent me any mail or phone call me in this regard. The associate repeated the address that they ( supposedly sent sometimes on or about XXXX XXXX 2016 ) and she verified the address the mail was sent to but, that did not include my unit number. My condominium complex has over XXXX XXXX units and that 's the reason I never receive any identifying demand letter, with all mandatory legal disclosures, account information/number, etc. from CAPIO because they failed to put my full and complete address so that my rights would be protected. Then, the associate transferred me to her supervisor, and after several minutes being on hold, the supervisor came on line and immediately started offering XXXX % discount, if I settle the account with the company. I demanded explanation as to why the initial demand letter was not sent to my address accurately. The supervisor began back tracking about my unit number and claimed the associate was wrong and that the unit number was on the address. He tried to cover this up ; Nonetheless, I never received any mail in regards to this claim of debt. 

After my conversation, I feel, this company 's intentions are questionable as they tried to settle the so called debt at the time I was trying to verify who this company is and why was n't I given the due right to review their claim and respond accordingly. This unjust action has caused a XXXX point drop in my credit score today which will immediately impair my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally maliciously to force me to settle a claim which is not proven and will surely be disputed. Another company had filed a claim regarding same and they could n't prove the debt and they threw it out. I do n't owe thus there should not be a flag on my credit profile until the debt it 's proven.
Product: Debt collection

The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/2021, and still nothing from them. The inaccurate accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} MIDLANDCRE XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amerisave Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 XXXXXXXX XXXX 

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

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Mortgage

On XX/XX/XXXX, I began the process of refinancing the mortgage on a property I own. On XX/XX/XXXX, it was discovered that there is an outstanding balance of {$7600.00} in fees that must be satisfied at the time of closing per the refinance. Being that I had no knowledge of such fees, I contacted my current mortgage company, LoanCare c/o XXXX, on XX/XX/XXXX to get more information. A LoanCare representative researched my account with another colleague. After returning from a long hold, the rep explained the only information they could find about the fees were they are labeled as " preservation of property '' and were transferred to LoanCare when they acquired the loan in XX/XX/XXXX. Other than that, there were no specific dates of the fees charged, whom the fees were owed/paid to, or any other information associated with the fees. Unsatisfied with the result of my first call, I contacted LoanCare again on XX/XX/XXXX. I spoke with a different representative which told me the same thing as the first rep. Unable to get any sufficient details regarding the fees, I called again on XX/XX/XXXX and was told the same thing as the first two reps. And, the third rep advised me to contact the former mortgage company, XXXX XXXX, to understand the fees charged. Unfortunately, I'm unable to contact XXXX to get the details of the fees as they have dissolved business. 

Dissatisfied with the lack of details surrounding such costly fees, I sent an error of resolution request letter to XXXX on XX/XX/XXXX.