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

On XX/XX/2018, I used my Bank of America Arizona XXXX card to pay for my car repairs to XXXX XXXX-they did not fix my car 's overheating problem that day on XX/XX/2018 or at any other time. XXXX XXXX charged me {$100.00}. After I paid $ XXXX and drove down the street, my car still over heated to the max. I drove back immediately to XXXX XXXX and complained to the owner that he did not fix the overheating in my car that I paid {$100.00} for on my Bank of America pre paid card for XXXX in Arizona. -and need to refund me now. Owner did not. This is consumer fraud by both XXXX XXXX XXXX and Bank of America. 
I filed a dispute with Bank of America right away. I got one opinion letter and a second from the car dealer upon trade in that my car was overheating XX/XX/2018 and faxed both to Bank of America disputes. 
All Bank of America disputes wanted was a second opinion letter. I faxed that letter and they received it. Bank of America said I had to wait 45 days.

Today, Bank of America on the phone told me, I have to have a letter from XXXX XXXX that my car was inspected. I would be charged again. Bank of America 's denial is an abuse of decretion, capricious and arbitrary.. Bank of America did not tell me that in the beginning. I traded my car in for it was inoperable and not safe. 
They are insured. I want my {$100.00} credited to my XXXX XXXX card now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was able to verify some incorrect information on my credit report, I tried to get in touch with the different credit Bureaus, the main issue here its that they never answered, I followed the recommendations and tried to reach them several times. As I understand they are supposed to answer me within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just called me and said their 3rd party to this so info is incorrect and should be deleted thanks
Product: Credit card

Every representative I had spoken to for each day that I had called, they were sending me through loop holes about resolving my issues. They kept transferring me off to someone who can help and absolutely nothing got resolved. They ended up closing my account without my knowledge and after they did that I called to complain about that as well and they told me that I have to make my payments. I tried explaining to them that the purchases that were made on my account were not made and or authorized by me and they were gaslighting me telling me that I should be expecting their call on an update for the investigation they had opened up for my complaints and disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2019 Balance {$0.00}.
Product: Student loan

On XX/XX/XXXX, I consolidated my XXXX student loans that qualified for the Direct Subsidized Consolidation Loan ( DLSCNS ). My XXXX XXXX was XXXX of the XXXX consolidated loans. 

My Direct Subsidized Consolidation Loan was subsequently managed by Mohela ( Account No. XXXX ). 

I paid off my consolidated loan and Mohela sent me a letter, dated XX/XX/XXXX, informing me that I have achieved a " PAID IN FULL '' status. 

XXXX months later, however, after paying off my consolidated loan, the XXXX XXXX XXXX XXXX XXXX sent me a letter ( generated on XX/XX/XXXX ), which indicated that I have an outstanding loan ( Account Number XXXX ) with a " Payoff Amount thru XX/XX/XXXX '' of {$3700.00}. 

I have been paying off my consolidated loan to Mohela every month since XX/XX/XXXX. But the letter I received from XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, was the first time in 14 years that I have heard from them ( XXXX XXXX XXXX XXXX XXXX ). 

Accordingly, on XX/XX/XXXX, I telephoned Mohela customer service ( XXXX ) and spoke to " XXXX '' in order to inquire why my XXXX student loan has not been paid off. XXXX informed me that she does not have the information and will have to do a " payment history request '' from Mohela XXXX XXXX department ; which will take about XXXX business days. 

As of this date, I have not received any correspondence, nor any other reply, from Mohela. 

Therefore, I am submitting this complaint to ask for help. The remedy I seek are as follows : XXXX ) for Mohela to give me the SPECIFIC NAMES of the XXXX consolidated student loans on XX/XX/XXXX ; XXXX ) when did Mohela pay my off my XXXX loan and where was the money sent? 

XXXX ) Mohela send a letter of proof/confirmation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan ( Account Number XXXX ) has been paid in full, and that this account is closed. 

I look forward to your response. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has no contract with me and is in violation of 15 USC 1681 15 USC 1692C 15 USC 1681 s-2 I proceed further action of law suit if not deleted from my file The burden is not on me It is the Bureau I have no written contract with this company this is my final letter about this company or I will exercise my rights as a consumer
Product: Credit reporting

I requested the Bankruptcy record to be removed from my report. It has been more than 7 years since discharge, and by their own words, the record remains for 7 or up to 10 years.
Product: Credit card

A purchase made on XX/XX/year> for {$1700.00} had deferred interest for XXXX XXXX with an APR of XXXX XXXX. I was just charged {$650.00} in interest charges claiming it is the deferred interest. That math does not add up. I will never shop with XXXX XXXX or use XXXX credit. I need your help investigating this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

This has been an ongoing problem with this company since XX/XX/XXXX when the company erroneously marked my account as delinquent. After 5 months of communication with the CSRs and two delinquent reports to the credit bureaus, the company finally corrected the issue and restored my account back to current along with correcting the reporting to the credit bureaus. However, after finally getting this fixed, I received a notice on XX/XX/XXXX that my account was suspended and decreased my credit line due to delinquency. We spoke with a CSR and a Supervisor ( XXXX ) and was told that it would take 3-5 business days to correct the situation. On XX/XX/XXXX, my card was declined ( suspended again ) and my account was reinstated as 82 days late. We spoke to XXXX again on XX/XX/XXXX and couldn't give us an explanation as to why my account went in reverse after 5 months of trying to get it resolved due to the company 's negligence. He told us that we have to wait some more until they figure it out. My credit has been affected tremendously by their actions, my life has been in limbo for the past ( almost ) 6 months of doing my due diligence to fix my account and credit standing. I never receive a callback and I get insincere scripted gestures and lied to about no adverse actions would be taken against my account. To no fault of my own ( and by the company 's own admission ) my account has been in turmoil and apparently no end in sight. I have been more than patient, heeded their direction to wait the magical 3-5 business days to resolve anything, to be met with more " wait and see '' answers. I initially wanted my credit line reinstated, however, at this point ( due to the company 's inaction and disingenuous actions ), I want my account canceled and the company can assume the remaining debt as a loss on their end. It is a small price to pay considering I have spent 5 months of my time on the phone, on email trying to resolve an issue that wasn't even my fault. My credit was destroyed and I have been in limbo as I waited for it to be restored, missing opportunities due to my perceived bad credit, and embarrassed in public when my card was declined during transactions.
Product: Checking or savings account

Claim ID # XXXX. I was told that my claim was denied because you guys thought that it was a duplicate charge and the merchant had credited my account for it. I explain that it was two separate charges and faxed all documentation showing the charges and what the merchant said. My claim was never reopened and I keep being told by the merchant that I have to dispute my charge with my financial institution.
Product: Debt collection

I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from Experian today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the Experian Website and Also Experian Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. XXXX Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX   Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online. 

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
Product: Student loan

Navient XXXX XXXX company report me 60 days late in XXXX. I have been literally harassed by this company and When I make a timely payment they reported me late and my wife 60 days late. After calling Navient to see why they reported me late I was told that it was a mistake and the negative information will be retracted. After waiting over 30 days this has not happened. Navient has lied to me stating and now I believe they are purposely trying to destroy my personal credit and create lies. I am asking that this situation be looked into.
Product: Debt collection

EQUIFAX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX bank credit card was closed on early this year because I was not making my payments. I contacted XXXX bank through letters stating that I was going through a financial hardship and they still closed my account as well as keeping XXXX late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX bank since XXXX. For them to close my account and not waive my 2 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXXBalance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX  Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( OriginalCreditor : XXXX  ) XXXX  Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

https : //www.uprova.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 539.72 %. I borrowed {$900.00} and now I owe {$3300.00}. This should be illegal.
Product: Mortgage

My parents have been paying for a fraudulent loan. Basically the house was paid off and then electronically sold. They are just the kind of folks who pay the bills as they come in. The house went default last year in XXXX through the XXXX XXXX PHH mortgage. After getting added to the loan as an authorized user, I was able to identify that payment were skipped. Im so even though subsequent payments were made skipped payments went XXXX XXXX default and subsequently the house was elected for sale. I was able to identify the one skipped payment and so after getting a quote for reinstatement and before wiring the money, the one skipped was addressed by our family, riding a check for that amount of the one payment, then in the for box of the check in that exact payment. They cashed that check before the wire was accepted so reinstatement of the house happened in XX/XX/XXXX or so of XXXX and it was done in the form of a rescission filed with the county so after saving the house, I intimately researched this loan, and I discovered all of it is illegal down to XXXX XXXX being alone, taking out my fathers initials, not even his name, and XXXX XXXX XXXX, which is a first mortgage company being the payment instrument in the form of a check recipient after studying the principal owners of the XXXX XXXX XXXX XXXX, which received a payment instrument of this mortgage I discovered that the principal owners were convicted of fraud at a later date are not convicted, but settled Fraud allegations at a later date with the SEC. The loan was apparently taken out in XXXX, but Ive discovered it all to be fraud so much that Ive also found a class action lawsuit on the matter. PHH giving out foreclosure notices illegally and basically they skipped a payment. Intentionally did an app apply one month so that the house would intentionally go into default so that they can dispose of the evidence of a fraud.
Product: Credit card or prepaid card

This company is telling me they have no knowledge of this open account. it was opened on XX/XX/2016. I'm trying to request a new card and it isnt showing up in their system. This account is showing up on all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear Experian. 

I XXXX XXXX XXXX and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- XXXX XXXX XXXX. account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account name-XXXX. 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX
Product: Credit card or prepaid card

To Whom it may concern I have called AMEX relating to my XXXX XXXX XXXX card to inquire if there is an account with no annual fee. That could replace the current card. The lady I spoke with has recommended to downgrade the card to a normal card to remove the annual fee. 

The lady did NOT disclose by doing so it will incur a {$300.00} credit reversal on the account opening promotion. I recall she said she even had to request for an approval before the account can be downgraded. But through out this process she had failed to mention the promotional credit will be reversed. 

Knowing a reversal will happen I would NOT have moved forward with the account downgrade it simply does not make sense. 

I have called the Support Team on Tuesday XX/XX/2022 the lady I spoke with states a case has been created for the above matter and will take up to 10 days for the research team to research the matter with Case # XXXX. 

I have called back on Thursday XXXX XXXX XXXX  this time another lady states the research matter will take up to 3 weeks. At this time I have requested to speak to a Supervisor. The lady states a Supervisor is NOT available and will call back within 24 hours. A week has gone past and I have NOT received any calls from AMEX. 

Therefore, I have called the AMEX Support Team Thursday XX/XX/2022 and spoken with XXXX  XXXX XXXX. XXXX states he is having technical difficulty and was unable to merge the call with a supervisor and states a supervisor will call back within 10 minutes this time around. But after 10 minutes has gone by no one from AMEX Support has called. 2 hours later based on the called ID it seems someone has called from AMEX. But I was unable to confirm because no one was speaking on both call. The call was hang up both times within 10 seconds by the caller. 

Please assist on the matter as I was not made aware of the reversal in promotion offer. The lady simply neglected to mention the matter. 

I'm requesting for AMEX to reverse the account downgrade so the fee can be reversed as well, or to credit the account of the {$300.00} that was paid. 

I have attempted to contact AMEX Support Team but no one is willing to help.

Thank You!